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
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
Hidden Costs & Gotchas
Additional users on Growth tier ($9 USD/month each)
Potential fees for specific wire transfers
Custom pricing for Enterprise features
No explicit mention of FX fees on cards
Which Plan Do You Need?
Startups needing free spend management
SMBs seeking cashback & automation
Enterprises with complex global needs
How Pluto Compares to Competitors
Compared to Brex, which often charges for advanced features or has higher minimums, Pluto's 'Free Forever' tier is a strong differentiator. While Ramp offers similar cashback, Pluto's $99/month 'Growth' tier for 30 users is more accessible than some competitors' entry-level paid plans, which can start higher for fewer users.
Pluto Pricing FAQ
How much does Pluto cost?
Pluto starts at $99/month on the Growth plan. A free plan is also available with limited features.
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.
Is there a cheaper alternative to Pluto?
Yes. Popular alternatives to Pluto include Brex, Ramp, Expensify, Divvy. Free alternatives include Brex, Ramp, Expensify. Compare them side-by-side on Toolradar.
Cheaper alternatives to Pluto
4 of 5 direct competitors below offer a free plan. Per-seat pricing varies up to 60% across this set.
