Pluto Pricing 2026

Plans, hidden costs, and cheaper alternatives compared

Is Pluto worth the price?

85/10

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

Calculate your cost View full pricing

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 QuickBooks, SAP Concur, Xero, Zoho Books. Free alternatives include Zoho Books, Wave. Compare them side-by-side on Toolradar.