Pluto
Claim this toolModern corporate card and spend management platform with AI-powered automation.
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499 reviews trackedThe Bottom Line
Entry price
Free plan available, paid tiers above
Biggest pro
Significant time savings (100+ hours/month) through AI automation.
Biggest con
Advanced features like multi-subsidiary support and budget autopilot are paid add-ons or part of higher tiers.
TL;DR - Pluto
- Provides corporate cards with cashback and comprehensive spend management.
- Automates expense, procurement, and AP processes with AI.
- Offers real-time spend visibility and control for businesses of all sizes.
Pricing: Free plan available
Best for: Growing teams
4.7/5 across review platforms
What is Pluto?
Pluto is a comprehensive spend management platform designed to help businesses control all types of company spending, from corporate card purchases and petty cash to large procurement and invoice payments. It offers corporate cards with cashback, robust expense management tools, and advanced AP automation. The platform is particularly beneficial for finance teams looking to streamline operations, gain real-time visibility into expenditures, and reduce manual tasks.
Pluto caters to a wide range of businesses, including SMEs, large group holdings, retail, e-commerce, F&B, tech companies, and logistics. It aims to transform finance from a reactive function into a strategic lever by providing automated workflows, policy enforcement, and detailed tracking from request to reconciliation. The platform's AI capabilities automate bookkeeping, spend analytics, and receipt matching, saving finance teams significant time each month.
Available on: Web, iOS, Android
Pros & Cons
Pros
- Significant time savings (100+ hours/month) through AI automation.
- Unlimited cashback on international transactions and up to 1.25% on domestic.
- Comprehensive control over all types of company spending.
- Supports global subsidiaries in multiple countries.
- Free plan available for SMEs with up to 10 users.
Cons
- Advanced features like multi-subsidiary support and budget autopilot are paid add-ons or part of higher tiers.
- The highest domestic cashback rate is capped to the subscription fee, potentially limiting its benefit for some businesses.
- The free plan has limitations on the number of users and virtual cards.
Ratings Across the Web
4.7(499 reviews)
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
Cashback Corporate Cards (up to 2% unlimited)AI-Powered Expense ManagementPetty Cash AutomationProcurement AutomationAP Automation (Invoice Management)AI Bookkeeping and ReconciliationAI Spend AnalyticsAI Receipt Matching and Policy Enforcement
Pricing Plans
Pricing checked Jul 5, 2026
Free Forever
$0 USD/month
- 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
Growth
$99 / 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
- 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)
Enterprise
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
Reviews
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4.7/5
Across 499 verified user reviews on G2, Capterra
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Pluto FAQ
How does Pluto's AI Bookkeeping reconcile transactions and what specific details does it auto-code?
Pluto's AI bookkeeper instantly reconciles each transaction by auto-coding every field, including GL and tax codes, departments, and budgets. It leverages rich vendor data and OCR-powered line-item intelligence, and also chases employees for missing receipts or details to ensure complete and accurate records.
Can Pluto provide real-time spend analytics to answer specific financial questions, and how does it present this data?
Yes, Pluto's AI automatically surfaces spend trends and anomalies, allowing users to instantly answer finance questions like "Marketing spend last quarter?" or "Which teams are over budget?". This data is presented through live, intuitive charts that highlight where money is going, why it's shifting, and how to act.
What are the specific cashback rates offered by Pluto cards, and are there any caps or conditions?
Pluto offers up to 2% unlimited cashback on international FX transactions. For domestic transactions, it provides up to 1.25% cashback, which is capped to the subscription fee for Growth plan users, effectively making the platform free for many businesses. These rates are subject to terms and conditions and may be part of limited-time offers.
How does Pluto support multi-entity organizations, particularly regarding global operations and onboarding subsidiaries?
Pluto offers multi-subsidiary support as a paid add-on or as part of the Enterprise plan. This allows organizations to onboard entities in various countries, including the USA, Canada, UAE, and Cayman Islands, through Pluto’s Global Ecosystem, centralizing controls and visibility across all entities.
Beyond standard ERP integrations, does Pluto offer open API support for custom integrations with other enterprise systems?
Yes, the Enterprise plan for Pluto includes open API support, enabling custom integrations with various enterprise ERPs and other systems. This allows businesses to create tailored connections beyond the standard integrations like Xero, QuickBooks, and NetSuite.
What unique features does Pluto offer for managing petty cash and non-card employee reimbursements?
Pluto provides a Digital Petty Cash Module to manage cash spending, allowing for tracking ATM withdrawals using petty cash reports. For non-card employee expenses, it includes a Non-Card Employee Reimbursement & Per Diem Management feature, streamlining the process of handling out-of-pocket expenses.
Source: getpluto.com