4.8 stars on G2
400+ reviews
Accepted worldwide without limits
Meet the Leader In Expense Management.
EXPENSE MANAGEMENT & AP AUTOMATION SOFTWARE BUILT FOR:
Xero
NetSuite
Zoho
QuickBooks
Microsoft 365
+ 18 other ERPs
Free Forever
For small businesses (<30 employees) who are tired of petty cash & uncontrolled spending.
0
$USD/month
Platform features:
Up to 5 smart corporate card users
10 Virtual cards per user
1 Physical Card Per User
Apple Pay, Samsung Pay & Google Pay Support
Collect receipts using WhatsApp
AI Powered OCR & auto-receipt matching
Real-time spending controls with basic approval workflows
Real-time transaction tracking
MasterCard™️DragonPass Access to 1200+ Airport Lounges
MasterCard™️ Zero Liability Protection Policy
Chat & Email Support
Growth
Recommended
For businesses who want 10x more savings in time & money (30+ employees)
$99/month FREE*
$USD/month
Everything in Starter, Plus:
30 users included ($9 USD/month per additional user)
Domestic Cashback: Up to 1.25% cashback*
Foreign Cashback: 2% unlimited cashback
Free wire transfers: for cross-currency bills above $6,000 USD in value
Quick Top Ups with Dedicated Virtual IBAN
Issue cards to GCC employees
All control features of Corporate Cards Module
Bill Management: for AP teams (OCR Invoice Capture, automated approvals, low cost wires to China, India, Pakistan, Europe & more)
Aging 7 day, 15 day, 30 day & overdue Bills Report
Digital Petty Cash Module to manage Cash Spending
Non-Card Employee Reimbursement & Per diem management
Pluto Automated Receipt Chaser
Custom approval flows: your rules, automated, fully customized
1-click reconciliation: Sync with Xero, QuickBooks, Zoho & more
Dedicated Finance Automation Specialist Support
Custom Analytics & Dashboard
Multi-Subsidiary support (paid add-on)
Budget auto pilot (paid add-on)
Intake-to-Pay (paid add-on)
* Up to 1.25% cashback on domestic transactions (capped to the subscription fee making Pluto free of cost for most businesses!). Unlimited 2% cashback on cross border transactions – yes, no caps.
** Terms & Conditions Apply. Available for new customers only. Offer valid until September 1st, 2025. Talk to our dedicated account manager for more details.
Enterprise
Built for modern CFOs, Financial Controllers, Procurement & Finance Managers who want to digitize their teams & create a culture of controlled spending. Ideal for 100+ employee businesses.
Custom
Everything in Growth, plus:
Unlimited users
Global Operations Support: onboard other entities in Cayman Islands, USA, Canada & other global subsidiaries via Pluto’s Global Ecosystem
Pluto Collect — unified document inbox for receipts, invoices, contracts, POs & more. One place for finance, procurement & AP to work together
Pluto Procurement Module (intake-to-pay)
Track Purchase Requests, Vendor Contracts, Renewals, PO backed spends and more.
Budget Autopilot
Bi-directional Sync with NetSuite, MS Dynamics & other Enterprise ERPs
Open API support for custom integrations
SSO/SAML Based Login
HR Platform Integration for User Access
Fully customized implementation
One click AI Powered Reconciliation
AI Powered Analytics
Smart Vendor Portal for PO (Purchase Order) backed spending
Dedicated Implementation & Account Manager with White Glove Onboarding
Pluto Led Company wide training
Over 1,000,000,000+ AED in spend controlled for both industry leaders & SMEs
EMEA’s Regional Leader in Expense Management
Pluto is an ISO/IEC 27001:2022
Certified Organization
Certified Organization
4.6 stars on G2 from 450+ reviews
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Plans
Starter (Free)
Create your Free AccountGrowth ($99/month)
Book a DemoEnterprise (Custom)
Book a Custom ConsultationCorporate Card Platform
Users Included
10 users
30 users(
$9 per additional user)
$9 per additional user)
Unlimited
Premium Physical Card per User
Unlimited Virtual Cards
Airport Lounge Access
Control over ATM withdrawals
Track ATM withdrawals using petty cash reports
Add on
Domestic Cashback
Up to 1.25%
(capped to subscription cost)
(capped to subscription cost)
Up to 1.25%
(capped to subscription cost)
(capped to subscription cost)
International Cashback
Up to 2% (unlimited)
Up to 2% (unlimited)
International cards for employees outside UAE (within GCC)
Daily, Monthly, Yearly & one time spend limit cards
Per transaction spend limit – make sure no one spends more than a certain amount on a single transaction
Maker-checker flow for card creation and card funding
Zero-Limit Cards
Spend Category Restriction
Card vendor specific restrictions
AI Powered OCR & Receipt Auto Matching with Card Transactions
Apple Pay, Google Pay & Samsung Pay
3D Security for online payments
ATM Withdrawal Fee
AED 5.5
AED 5.5
AED 3
MasterCard Zero Liability Protection Program
Expense Management
WhatsApp Receipt Collection & Auto-matching to the correct transaction
10 users
30 users
($9 per additional user)
($9 per additional user)
Unlimited
iOS & Android Mobile App for Receipt Collection
User friendly Web App that employees love!
Admin view for all company wide spending
Manager view for team wide spending
Bulk approval and saved filters for quick actions
Bulk receipt OCR – Process 99+ receipts in 8 seconds
Audit-trails & In-app Chat
Email based receipt collection
Duplicate Receipt Detection – Find receipts that have been resubmitted across your org
Automatic Receipt Chaser - Pluto reminds employees for receipts & escalates when policy is violated
Split Expenses into Line Items
Configurable expense review policies by department, category, & any custom attributes
Delegation Support – enable Executive Assistants to submit expense reports on behalf of others
Pluto Collect – AI Powered Unified Inbox for Finance Teams
Fully customized expense report forms – collect information from employees specific to your company’s structure
Slack & MS Teams based receipt collection
Add-on
Bill Management
Bills Module Included
Dedicated E-mail to Capture AP invoices
OCR Invoice Processing
Vendor Sync with ERP e.g. NetSuite
Vendor Portal for Vendors to upload invoices
Wire Transfer Fees
Free for cross-currency bills > $6000 USD
Aging invoice reports
Budget validation
Add On
Up to 2% (unlimited)
PO validation
Add On
Always-on Audit Trails
AI Powered GL Coding of Line Items
Pluto Collect – AI Powered Unified Document Inbox
(BETA)
Out-of-Pocket Expenses / Reimbursements
Employee Reimbursements & Per Diem Submission
Multi-location & Multi-currency Expense Reports for Global Employees
AI-Powered OCR Scanner
Groups expenses into expense reports
Submit Reimbursement Receipts via WhatsApp
Set custom currency conversion rates for Global Employees
Executive Delegation Access
Direct API based connectivity to Payroll
Custom Pricing
Digital Petty Cash Register
Digital Petty Cash Module to replace Cash Vouchers
Add-on
Included
Included
Team based cash float tracking
Automatically capture ATM withdrawals as cash on hand
Cash expense review tracking
Procurement Automation
Procurement Module Access
Add-on
Dynamic Purchase Request Forms
Basic Forms
Smart forms with Dynamic Routing
Custom Approval Chains
Budget Control
Add-on
Automatically Create Purchase Orders
2-way & 3-way matching
2-way matching
3-way matching
Contract Management
Vendor Portal
Automations & Policy Management
Budget Automation with Sub Budget Support
Add-on
Custom Budget Reconciliation Rule Management
Accounting Workflow Automation
AI Reconciliation that saves you 30+ hours every month
Custom Approval & Workflow Automation
Maker Checker Card Request Flow
Custom CSV based accounting export
Regular Export
Custom Export
Custom Export
Direct Sync with Xero, QBO, Zoho, Odoo(Beta)
Direct Sync with NetSuite, MS Dynamics
Custom ERP Integration
Infrastructure & Global Business Support
Dedicated Virtual IBANS for Quick Top Ups
API Access
Custom ERP integration
SSO / SAML
Multi-Org Support
Add-on
HR Platform Integration
Add-on
Onboard US, Canada, Cayman Islands & other Global Entities
Add-on
Add-on
Trusted by 1000s of Finance Managers & Businesses
Leader in Spend Management
across EMEA - 2025
across EMEA - 2025
Over 500+ reviews across G2
“We have been using Pluto for a few months now, and we literally have everything in one place.”
Lee Kersen Mascarenhas, Head of Operations at BloomingBox
“We have 400 staff members, with such a large operation cash flow management becomes a huge hassle. That’s where Puto Card came in. Pluto helped us carry out large scale finance transformation giving us clear visibility into every single company expense.”
Farhan Ali, Co-founder, EZ-Hire
“For us, the main benefit of Pluto is that we don't have to think about petty cash and worry about spending at all. It runs on Autopilot and Pluto prompts us when it needs attention”
Gabriel Garcia, Head of Financial Services
Seamless integrations: connect Pluto to your workflow
Pluto works seamlessly with QuickBooks, Xero, NetSuite, and other essential business tools.
Automate your data flow, eliminate manual entry, and keep your finances perfectly synchronized.
Learn more
Get a free
consultation!
Talk to sales
Frequently asked questions
What is Pluto and how does it help my business?
Who can benefit from using Pluto?
What makes Pluto different from traditional expense management tools?
Does Pluto integrate with accounting and ERP systems?
Can I use Pluto to make international payments?
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