Accounts payable software
built for small businesses

Running a small business means wearing every hat, including the finance one. Plooto automates accounts payable and receivable so you spend less time on payments. Approve invoices, pay vendors by EFT, ACH, check, or credit card, and collect from customers automatically. Every payment reconciles back to QuickBooks, Xero, or your accounting software.

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14k+ businesses have simplified payment workflows with Plooto

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Smart integrations with accounting software

Eliminate data entry errors and other inefficiencies when you two-way sync with top accounting software. Get more accurate books with automatic reconciliation.

 

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Automate the payment tasks that take up your day

Customize your process

Tailor accounts payable and accounts receivable workflows to your team’s needs. Easily route payments to the right person and secure timely approval.

Manage your cash flow

Ensure your money is where you need it, when you need it. Automating receivables and payables in one platform gives you complete control over your finances.

All-in-one control

Seamlessly integrate your accounting software, your bank, and your Plooto account. Take control and do it all from one centralized hub.

Fuel your growth

Eliminate tedious paperwork, inefficient data entry, and repetitive tasks. Use the time you get back to focus on high-impact work that pushes your business forward.

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Accounts payable and receivable
automation for small business

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International Payments

Make payments around the world with competitive exchange rates and without transfer fees*.

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Online Checks

Make full-service check payments across Canada and the United States and skip the in-person signatures and approvals.

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Pay by Card

Pay with your card, even if your vendors require other payment types. Earn rewards, capitalize on discounts, and free up cash flow.

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Pre-Authorized Debits

Easily set up automatic payment collection from your customers with a single click.

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* Excludes fees on non foreign exchange, check, and same-currency transactions. Industry and discretionary rates apply, and are subject to change. A complete conversion cost estimate is viewable when payment is created or via our foreign exchange calculator.

Accounts payable software built for small business

Small businesses do not have a full finance department. Plooto gives you one. It automates accounts payable so you can approve and pay vendor bills from anywhere, and accounts receivable so you get paid faster through pre-authorized debit. No more logging into your bank to send payments one at a time. No more manual reconciliation. Bills come in, you approve them, Plooto pays them, and everything syncs back to your accounting software. More than 14,000 businesses across the US and Canada use Plooto to run payments this way.

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Trusted by the accountants small businesses rely on

Thousands of small businesses do not find Plooto on their own. Their accountant or bookkeeper brings them on board. Accounting firms across North America use Plooto to run accounts payable and receivable for their entire client roster, and they bring their small business clients with them because it makes the books cleaner and the payments faster on both sides. When your accountant recommends Plooto, you are getting a platform already trusted by the professionals who manage the money for businesses like yours. And if you do not have an accountant yet, Plooto works just as well on its own, run by you, built for the small businesses that keep the US and Canada moving.



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See what businesses like yours are saying

Christine Pilkington

Christine Pilkington
CEO & Founder
Crisp

“In this economy where every dollar counts for small businesses, Plooto was a no-brainer.”

Owais Lightwala

Owais Lightwala
Managing Director
Why Not Theatre

“Getting Plooto was a lifesaver because I suddenly had a much easier system that I could control directly.”

Sean Freedman

Sean Freedman
Founder
Freightzy

“Plooto saved us a lot of time that we previously spent on manual tasks – time that we now spend on scaling the business.”

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Start automating your small business payments today

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FAQs

What is the best accounts payable software for a small business?

The best AP software for a small business automates the whole payment process without needing a finance team to run it. Plooto imports bills from your accounting software, routes them for approval, and pays vendors by EFT, ACH, check, or credit card, then reconciles everything back automatically. It also handles accounts receivable, collecting from customers by pre-authorized debit. More than 14,000 businesses across the US and Canada use Plooto to run payments this way.

Does my accountant need to set up Plooto, or can I do it myself?

Either works. Many small businesses are introduced to Plooto by their accountant or bookkeeper, who sets it up as part of managing their books. Just as many set it up themselves. Plooto connects to QuickBooks, Xero, and other accounting software directly, and the setup is designed to be done without technical help. If you work with an accounting firm, they can run it alongside your books. If you do not, you can run it on your own.

Can Plooto handle both paying vendors and getting paid?

Yes. Plooto automates both sides for small businesses in Canada and the United States. On accounts payable, you approve and pay vendor bills electronically. On accounts receivable, you collect from customers automatically through pre-authorized debit, which is useful for recurring invoices and subscription billing. Both sides reconcile back to your accounting software, so your books stay accurate without manual entry.