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Cut costs, eliminate manual work, and gain full visibility into your payables process.
Plooto is a popular accounting and payment automation platform for small businesses, thanks to its user-friendly interface and affordable plans.
However, it falls short for businesses that need an end-to-end AP automation platform with strong compliance, multi-entity workflows, and the ability to handle high volumes of international payments.
If you’re considering a switch from Plooto or exploring alternatives to make an investment decision, you’re in the right place.
We’ve evaluated the top alternatives to Plooto to help you find the right fit for your business needs.
What is Plooto?
Launched in 2015, Plooto is a cloud-based automated payment software that seeks to minimize manual tasks in accounts payable and optimize financial management.
Designed for small finance teams and SMBs, Plooto simplifies invoice management, integrates with ERPs, and offers instant payments from pre-funded accounts.
Why Businesses Look for Plooto Alternatives
Plooto is a suitable choice for small teams and startups that need a tool to replace manual tasks, such as bookkeeping and reconciliation.
A deeper look reveals its limitations, prompting the search for Plooto alternatives.
- Lack of a self-service supplier portal and payment status tracking
- No built-in tax and regulatory compliance or fraud prevention tools
- No AI or ML for extracting complex line-level data or predictive GL coding.
- Absence of multi-entity support with entity-specific onboarding, tax, and AP flows
- Limited payment options with a focus on ACH, EFT, or cheque
- User reviews highlight slow payment processing, a lack of intercurrency transfers, and client onboarding issues
If you’re not a Plooto user but have outgrown your current AP tool due to evolving needs of advanced AP functionality, fast global payments, or integrated procure-to-pay solutions, it’s time to consider an alternative.
Choosing the Right AP Automation Platform
Here are the capabilities to assess before investing in an AP software solution:
Depth of invoice automation
A sophisticated AP automation software goes beyond OCR and header-level data capture to streamline invoice management.
While extracting data from complex line items and different formats, the right platform leverages ML and AI in accounts payable to optimize accuracy rates to 95% or more.
It delivers a fully touchless experience, automating financial processes, right from invoice submission through GL coding, approval, and payment reconciliation.
Flexibility of approvals
Vendors view early payments as crucial to establishing trust, promoting collaboration, and solidifying business relationships.
Invoice approval bottlenecks lead to late payments, straining vendor relationships and erasing opportunities for early payment discounts.
The right automation solution enables you to fast-track approvals with AI-driven routing, customizable workflows at both header and line-item levels, and collaborative approval processes.
ERP and accounting integrations
When evaluating AP tools for ERP integration, consider both the breadth (the number of accounting systems they support) and the depth (the level of integration between the systems).
The best accounts payable automation platforms offer 2-way, real-time sync of vendors, invoices, payments, and GL data.
In addition to file and API-based integrations with pre-built connectors for leading ERPs, strong platforms also include error handling, AI-based sync fixes, and reconciliation tools.
Multi-entity and consolidation needs
The best accounts payable software lets you tailor branding, workflows, and tax compliance for each entity, while also providing a unified dashboard to monitor approvals and payments across all entities.
Check if the tool has advanced FX solutions, such as FX hedging and payee FX, while supporting payouts in local currencies.
The software should enable seamless data consolidation while providing robust insights and real-time financial reporting to facilitate informed decision-making.
Compliance and audit readiness
With payment fraud projected to surge and AML fines hitting record highs, businesses need to pick AP tools that embed strong compliance and regulatory safeguards.
Features such as real-time fraud detection, payee verification, sanctions screening, and advanced authentication help businesses mitigate risk, comply with evolving regulations, and safeguard vendor relationships.
Scalability with growth
79% of businesses are looking to expand into new geographies as part of their growth strategy. This underscores the need for a platform that scales to support your business expansion goals.
Apart from allowing businesses to handle a rapid growth in invoice and payment volumes, the right AP solution provides the infrastructure to handle approvals, payouts, and reconciliation without increasing headcount.
Pro Tip: Discover the real ROI of powerful AP automation
Read our article: 10 Real AP Automation Case Studies That Prove ROI
Top Competitors to Plooto Software
Here are the top Plooto alternatives to consider for different use cases.
- Tipalti: Best for end-to-end AP automation and global payments
- BILL: Best for payments within the BILL network
- Stampli: Best for visibility of AP processes
- Melio: Best for free ACH transactions
- Airbase by Paylocity: Best for spend management
Plooto vs. Tipalti and Other Competitors
Feature Comparison
| Solution | Invoice Automation | Approval Workflows | ERP/Accounting Integrations | Multi-Entity Support | Compliance / Audit Controls | Best For |
|---|---|---|---|---|---|---|
| Tipalti | Advanced (OCR + AI Smart Scan) | Configurable, multi-level | Deep ERP integration with all major systems | ✅ | Built-in tax + audit trail | Mid-market & enterprise |
| Plooto | Basic, header-level OCR | ✅ | QuickBooks, Xero, NetSuite | ❌ | ❌ Supports CRA payments | SMBs and small finance teams |
| BILL | Moderate | Rules-based | ⚠️Limited | Limited | Basic, manual flows | SMBs (U.S.-focused) |
| Stampli | Low accuracy | Role-based, collaborative, easy UI | Integrates with 70+ ERPs | ✅ | Basic | SMBs and teams prioritizing invoice workflow visibility |
| Melio | Simple, manual-heavy | Basic | QuickBooks, Xero | Limited to multi-company view | Minimal | Microbusinesses, freelancers |
| Airbase by Paylocity | Solid, but tied to spend mgmt | Configurable | NetSuite, QuickBooks | ⚠️Basic | Partial | Mid-market businesses with card + spend focus |
1) Tipalti
As an all-in-one accounts payable automation solution, Tipalti addresses the limitations of basic accounting software, such as Plooto.
Businesses and finance teams use the platform to accelerate monthly close, eliminate manual tasks, and boost productivity without adding headcount.
Responsive customer support and fast implementation are the other features that set it apart from its competitors.
AI-powered invoice capture and GL coding
Key Features
- 360-degree invoice automation with AI Smart Scan, predictive GL coding, and auto routing
- KPMG-approved tax engine with whitelabeled self-service vendor portal
- Robust fraud detection, tax compliance, and 26,000 payee validation rules
- Secure and fast global payouts to 200 countries and 120 currencies via 50+ payment methods
- API and file-based integrations with leading ERPs, collaboration tools, and performance marketing platforms
- Integrated AI Assistant and task-driven agents that work in parallel to optimize payables workflows and decision-making
Serviceable Market
Tipalti caters to businesses of all sizes across various industries, including ad tech, performance marketing, e-commerce, retail, manufacturing, and professional services.
It is the right fit for businesses with complex AP workflows, multiple legal entities, and a high volume of domestic and international payments.
Pricing
Tipalti offers three pricing plans. The Select Plan, priced at $99/month, includes:
- AI Smart Scan invoice processing
- Branded, self-service supplier portal
- W9/W8 form collection and TIN validation
- Bill approval rules builder
- Domestic multi-entity infrastructure
- Card and expense tools
- Integrations with leading ERPs.
The Advanced plan costs $199/month and offers these additional features:
- 2/3 way PO Matching
- Flexible bill approval rules builder
- Domestic multi-entity infrastructure
- W8 collection, Global Tax ID validation, and Zenwork integration for tax reporting
- 50+ payment methods to 200+ countries in +120 currencies
- Option to add Procurement and Expenses modules
- Assigned Customer Support resource
The Elevate plan offers premium features, such as global multi-entity infrastructure, multi-currency fund management, managed custom ERP integrations, and priority support.
Go Beyond Basic Payables — Close up to 25% faster with Tipalti
See how Tipalti unifies global payments, tax compliance, and end-to-end AP automation—helping finance teams reduce risk, save time, and scale with confidence.
2) BILL
BILL’s offerings across accounts payable and receivable are similar to Plooto’s, making it one of the viable Plooto alternatives.
The platforms share features, such as a vendor network, invoice data capture, international payments, and payment status tracking.
However, for businesses seeking simple AP solutions without expense management or procurement, Plooto may be the more affordable option.
Key Features
- AI-powered invoice data capture, approval routing, and document splitting
- Global payments in 106 currencies across 130 countries via ACH, virtual card, or wire transfer.
- A network of 4 million vendors to help fast-track payments.
- Dashboard to view approvals and payments across entities.
Serviceable Market
BILL is designed for small and medium-sized businesses across industries, such as construction, healthcare, professional services, manufacturing, and retail.
Pricing
The platform offers four tiered pricing plans. The Essentials plan includes basic AP features and costs $45/month/user. The Team plan, priced at $55, offers API access, cash flow forecasting, and automatic 2-way sync with Xero and QBC.
The Corporate plan, priced at $89, includes additional features such as multi-entity accounting. The Enterprise plan, available with custom pricing, provides enhanced security, broader ERP integrations, and greater customization options.
3) Stampli
Positioning itself as an AP-first platform, Stampli’s features, including automated invoice capture, audit trail, and payments, are similar to Plooto’s.
A key difference is that while Plooto focuses on Xero, QuickBooks, and NetSuite, Stampli offers integration with 70+ ERP systems.
However, Stampli lacks tax compliance, advanced multi-entity support, and FX solutions that other Plooto alternatives, such as Tipalti, offer.
Key Features
- AI copilot for invoice data capture, GL coding, and approval routing
- Allows setting desired FX rates by currency and triggers payment upon meeting them
- Centralized hub for AP communication with time and date stamps on conversations
Serviceable Market
Stampli caters to small and mid-sized companies across industries, such as healthcare, construction, manufacturing, and transportation.
Pricing
While pricing information is not available on Stampli’s website, the platform offers monthly or annual contracts. The total cost depends on the modules and services you choose.
4) Melio
As an SMB bill pay platform, Melio facilitates payouts to vendors, contractors, and suppliers across the world in addition to automating invoice management.
With affordable monthly plans that include free invoicing and ACH transfers, Melio is one of the cost-effective Plooto alternatives.
In June 2025, Xero Limited announced its plan to acquire Melio, whose complementary offerings enable the former to integrate accounting with cash flow.
Key Features
- Multiple ways to upload invoices and AI-powered data capture
- Multi-level approval workflows, flexible approval terms, and batch approvals
- Fast payment methods, including instant payments, cards, ACH, wire, and check
- International payments in 15 currencies
Serviceable Market
Melio primarily caters to small and mid-sized businesses in the US who rely on ACH transfers to pay domestic vendors and contractors.
Pricing
Melio offers five subscription plans, all of which include free AR and invoicing.
The Go plan is free and includes 5 free ACH transactions per month, AI bill capture, and 10 free ERP syncs per month.
The Core plan ($2.50/month for the first 3 months) includes 20 free ACH transfers, as well as W-9 collection.
The Boost plan ($5.50/month for the first 3 months) offers 50 free ACH transfers, custom approval workflows, and priority phone support.
The Unlimited plan provides unlimited free ACH transfers and user seats, along with a dedicated account manager and white-glove onboarding.
For businesses needing tailored solutions, the Platinum plan offers custom pricing.
5) Airbase by Paylocity
In 2024, Paylocity acquired Airbase, a procure-to-pay platform, and expanded its offerings to include AP automation, procurement, and spend analytics.
While Airbase by Paylocity is known for its features, such as a robust audit trail and custom workflows, it lags behind some of its Plooto alternatives, including Tipalti, in terms of fraud detection and multi-entity support.
Key Features
- Automated invoice processing and approval routing based on department, subsidiary, GL category, vendor, and amount
- Collaborative approvals via mobile, desktop, Slack, or email
- Self-service vendor portal, W-9 collection, and document storage
- Payouts in 200+ countries and 145+ currencies using ACH, check, virtual card, international wire, or vendor credits.
Serviceable Market
While Airbase primarily caters to mid-market businesses, Paylocity’s integrated HR, IT, and finance platform is used by small, medium, and large businesses.
Pricing
Paylocity does not publicly list its pricing. The platform employs a modular pricing model, with costs varying according to the selected modules and the number of users or approvers.
Pro Tip: See how CFOs are modernizing AP and fueling efficiency gains with Tipalti.
Explore real-world success stories.
Why Tipalti Is the Best Plooto Competitor
Finance professionals expect the workload to increase by 4% in 2025, even as headcount and budget drop by 1%, creating a productivity gap of 5%.
In this scenario, the business case for adopting a mature AP tool has never been stronger.
The right tool helps finance teams achieve the top priorities of supporting profitability, optimizing costs, and improving data and analysis capabilities without adding headcount.
Tipalti’s sophisticated AP automation platform automates the entire process, freeing up finance professionals’ time and allowing them to focus on strategic tasks.
The best-reviewed software continues to win industry awards, such as the 2025 FinTech Awards for being the best SaaS solution in the AP category.
Tipalti is the winner of the 2025 FinTech Awards
Ready to Move Beyond Plooto? Scale Smarter with Tipalti
Tipalti helps finance teams accelerate financial close by up to 25%, reduce payment errors by 66%, and manage AP across global entities—all without increasing headcount.
Plooto Alternatives FAQs
What are the best Plooto alternatives for AP automation?
We’ve listed the top Plooto alternatives for AP automation. When selecting the best solution, look for a tool that delivers a touchless AP experience with built-in compliance and the ability to scale with your business.
Why switch from Plooto to another AP tool?
Plooto cannot handle complex workflows and a high volume of domestic and international payments.
Businesses that prioritize end-to-end AP automation, compliance, multi-entity management, and fraud prevention seek AP tools with these capabilities.
Does Tipalti support invoice automation and compliance?
Yes. Tipalti uses AI and ML to automate invoice processing. As a KPMG-approved tax engine, Tipalti facilitates tax and regulatory compliance.
