Pluto

Name: Pluto
Brand: Pluto
Price: 99 USD
Rating: 4.6 (503 reviews)

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Modern corporate card and spend management platform with AI-powered automation.

From $99/mo, billed monthly (free plan available)

Freemium Finance Expense Management Workflow Automation AI & Automation

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4.6 (503 across the web)

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Reviews on G2

503 reviews tracked

The Bottom Line

Updated Oct 4, 2026

Price: From $99/mo, billed monthly (free plan available). Compare plans

Key facts

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.

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.

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

Data compiled by Toolradar Pricing checked Oct 4, 2026 · How we evaluate

Source getpluto.com

Ratings Across the Web

4.6 (503 reviews)

Pluto holds an aggregate rating of 4.6 out of 5 from 503 reviews across G2, last checked September 17, 2026.

G2 503 reviews

4.6/5

Ratings aggregated from independent review platforms. Learn more

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Key Features

Cashback Corporate Cards (up to 2% unlimited)
AI-Powered Expense Management
Petty Cash Automation
Procurement Automation
AP Automation (Invoice Management)
AI Bookkeeping and Reconciliation
AI Spend Analytics
AI Receipt Matching and Policy Enforcement

Pricing Plans

Pricing checked Oct 4, 2026. Source: getpluto.com/pricing, read Oct 4, 2026

Pluto plans and prices, checked October 2026
Plan	Price	Details
Free Forever	$0 USD/month	Up to 5 smart corporate card users 10 Virtual cards per user 1 Physical Card Per User +9 more Show less 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 Quick Top Ups with Dedicated Virtual IBAN MasterCard™️ DragonPass Access to 1200+ Airport Lounges MasterCard™️ Zero Liability Protection Policy Chat & Email Support
Growth	$99 / month	Everything in Starter, Plus: 30 users included ($9 USD/month per additional user) Domestic Cashback: Up to 1.25% cashback* +13 more Show less 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) 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
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 +14 more Show less 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

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Is Pluto worth the price?

Good value

Pluto's pricing is quite generous, especially with its robust 'Free Forever' tier offering essential spend management for up to 5 users.

The 'Growth' tier at $99/month for 30 users is competitive, offering significant cashback and advanced features. This pricing is best for small to medium-sized businesses looking for comprehensive spend management with an emphasis on cost savings and automation.

Hidden Costs & Gotchas

Additional users on Growth tier ($9 USD/month each)

Full Pluto pricing: every plan, hidden costs and alternatives

How Pluto's pricing compares

At $99/mo, billed monthly, Pluto is the most premium of its 4 comparable direct competitors.

$12

$15

$49

Pluto

$99

Entry paid plan, monthly price, billed monthly. Pricing checked Oct 4, 2026.

Pluto by the numbers

Toolradar data: Pluto's entry paid plan ($99/mo, billed monthly) ranks #31 of 34 (joint) for price among the Expense Management tools with a verified entry price and no stated unit, where the median is $12/mo. As of Oct 2026.

Pluto compared with 87 Expense Management tools on Toolradar, as of Oct 2026
Metric	Pluto	Peer median	Position (1 is best)
Entry paid plan	$99/mo, billed monthly	$12/mo	#31 of 34 (joint) tools with no stated price unit, verified price
Free plan	Yes	49% have one	n/a
User rating	4.6/5 (across the web, 503 ratings)	4.5/5	#9 of 59 (joint) tools with 20+ reviews

Each position is counted among the tools that have data for that row, as noted under it. A lower entry price ranks higher; prices are read on vendor pages and compared only with tools priced on the same basis. All Expense Management data · How we compute this. Advertising and placement fees are not inputs to any position.

Cite this: Toolradar, “Pluto by the numbers”, Oct 2026.

Reviews

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4.6/5

Across 503 verified user reviews on G2

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Best Pluto Alternatives

Top alternatives based on features, pricing, and user needs.

BILL Paid

One platform for accounts payable, accounts receivable, and company spend

4.4

Expensify Freemium

Expense management and corporate cards

4.5

Ramp Freemium

Corporate cards and expense management

4.8

Divvy Free

Business expense management and corporate cards

4.5

Brex Freemium

Corporate cards and spend management for startups

3.6

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Still deciding?

Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.

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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.

How does Pluto pricing compare with other Expense Management tools?

Pluto's entry paid plan ($99/mo, billed monthly) ranks #31 of 34 (joint) for price among the Expense Management tools with a verified entry price and no stated unit, where the median is $12/mo. Prices are read on each vendor's own pricing page and compared only with tools priced on the same basis. Source: Toolradar, Oct 2026.

Source: getpluto.com

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