Pluto Pricing 2026
Plans, hidden costs, and alternatives compared
Cite this data: Toolradar, Pluto pricing verified Oct 2026, toolradar.com/tools/pluto/pricing
Pluto starts at $99/month on the Growth plan.
Verified Oct 2026 from the official pricing page.
Is Pluto worth the price?
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.
Pricing Plans
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
- 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*
- 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
- 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
Hidden Costs & Gotchas
Additional users on Growth tier ($9 USD/month each)
How Pluto compares
3 of 5 direct competitors offer a free plan.
Pluto Pricing FAQ
How much does Pluto cost?
Pluto starts at $99/month on the Growth plan. A free plan is also available.
Does Pluto have a free plan?
Yes. Pluto offers a free plan called "Free Forever". It includes: Up to 5 smart corporate card users, 10 Virtual cards per user, 1 Physical Card Per User.
What are alternatives to Pluto?
Alternatives to Pluto include Brex, Ramp, Expensify, Divvy. Divvy is fully free. Brex starts at $12/user/month; Ramp starts at $15/user/month; Expensify starts at $5/user/month.
Pluto alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official Pluto pricing: getpluto.com/pricing (verified Oct 2026)
- Cite this data: Toolradar, Pluto pricing verified Oct 2026, toolradar.com/tools/pluto/pricing
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