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Community > App Reviews >


Started by Xero API -   in App Reviews |Payments

3.3 out of 5 stars
Based on 10 user ratings
If you are a user of Xero and Plooto, tell us how you are getting on and your experience so far. Any tips?

About Plooto

Plooto is the fastest, easiest and most secure platform for business to business payments. For more information, check out Plooto.


Remember if you have questions or need assistance with Plooto, this is not the best place to ask - this forum is for reviews and feedback only.

For general support, check out the Plooto support centre or this page for information on connecting Plooto to Xero.

I met the Plooto team members at XeroCon San Diego. They answered every question (over multiple booth visits over the two days) with flying colors. Interface is ok. It appears they've made improvements the last couple years. Initial onboarding is tough due to KYC and AML banking requirements. Yes, about five business day delay in movement of funds, avoided if you pre-load funds into your "Plooto Instant" account - or plan ahead. Yeah, some improvements needed. Support is getting better. Leadership issues according to GlassDoor - but it appears big changes have been made in the last 6 months. For the price, I'm very happy. Much more affordable than Bill.com And you end up in the exact same spot - just more money in the user's bank account (due to much lower fees).

Reynaldo E. Arellano, CPA  

They take way too long to turn around a payment, no where near the time of 3-5 business days. They give an estimate when the payment is authorized that later changes by 3 days longer, causing customers to incur late fees. When using to bill my customers, the prices for my clients is confusing for them, Customer support is a joke!

Bryan Struckmann  

Are you kidding me? A client sent me a payment via Plooto. These people require the recipient of a payment to disclose their bank routing and account number, which is fine, BUT they also require your login ID and password. No way am I handing the keys to my bank account to an operation in a foreign country on their (presumed) website. Oh, and after all of that nonsense, they seem to need 7+ days to clear the transaction. Agreeing to this is a basic intelligence failure. I agree with a previous reviewer that I would leave less than one star, if possible.

Frederick Huebner  

TL;DR: Plooto does not actually deliver on the glossy-brochure promises. Too many back-end delays and problems to justify the few times it works as advertised.

1. For recurring Pre-Authorized Debits, this is a decent solution. Good value and hands-off ONCE you have them all setup. Clients need to be briefed ahead of time on what Plooto is trying to do when setting up the pre-authorized debit (and that it will take time). The multi-step, multi-day process ends up costing me a lot of time following up with clients who are bewildered by Plooto's process.

2. DO NOT use this as a payment gateway service. The time delays to draw funds from clients leads to a large NSF risk. Clients are unable to predict when Plooto draws funds - the '3-4 business days' is not supported by reality. Then its another '3-4 business days' to show up in your account. In practice from the point in time clients click pay, it will take around 2 weeks to receive your own money. Support is unable to adequately explain any delays beyond the first clearing period.

3. Plooto's interface and integration with Xero is a 0/1000 rating. Sure it looks pretty with nice calming colours, but don't be fooled. The 2.7% paypal fee starts to seem well worth it when you have to:
- figure out which invoice payments are outstanding;
- when you may actually start to see your own cash, and;
- oh god - the clearing account in Xero requires manual reconciliation overrides.

4. MOST importantly - I would say 50% of the clients, or suppliers, that are subjected to Plooto's notifications give up. The interface is not intuitive and suppliers get upset that your efforts to save transaction fees delays their payments by several weeks. Clients get frustrated that the process to pay you is unnecessarily clunky. In the end they require a different system to get funds moved in or out of our account.

Daniel Mallett  

If I could leave less than one star, I would. At the recommendation of my Xero Account Manager, I reached out to Plooto to get a merchant account. One person scheduled a conference call with me. At the last minute, I got an e-mail that he wasn't available, and someone else would be handling the call. No big deal. After the call, I signed up for an account and submitted all my verifications. The website would rror out when trying to link to Chase, so I couldn't do it instantly, I had to fill in my bank routing & account number and scan/upload a voided check. After a few days, the PIN for the bank account still hadn't come through. The website does not allow any way of verifying what was submitted, or re-doing it. (I still don't understand why no one even looked at the voided check I submitted to try to correct any error.) No one contacted me about a failed test transaction. After a week, I sent an e-mail to Plooto support asking for a status update. No response. A week later, I forwarded that e-mail to the guy I had the conference call with. A full week later he sent me an e-mail there was a problem with the PIN verification, and I needed to go to the website to fix it. I informed him I had tried, and that the website doesn't allow that, nor were any of my messages returned, so I went with someone else. They denied I had ever tried to contact them.

Lydia Davenport  

When using plooto's custum URL in Xero Payment services I keep receiving a "Connection Timeout" error saying "Connection Timeout
Xero did not respond in time. Please try again later" When I click on an invoice to pay it.

I am testing it out from my customer's view point.

Audra Wilson  

Easy-to-use app and tight integration with Xero for bill payments. We use it ourselves and our clients love it too. New features are added constantly that make things even easier. We really like the notifications between payer an payees, alerting them of payments, which also indicate the reference/bill numbers - very handy!

Lior Zehtser  

I love Plooto because it's so simple to use. In conjunction with Receipt Bank and Xero it makes my bookkeeping easy. My suppliers forward invoices to us to Receipt Bank directly they populate my accounts payable in Xero and I pay them via Plooto and then Plooto does all the entries for me in Xero. Really excited about the cross border payments too!

Allison Hawkins  

Love that these guys keep coming out with features. The interface is pretty slick and intuitive. There's definitely some improvements to make (co-branding, recurring payments, invoice links in the app), but so far they have been really responsive to suggestions. I use the app for a few of my clients and have had good feedback so far.

Joe Collins  

Best payment system I have tried. I am able of paying my suppliers in just a couple of clicks, the integration with Xero makes it dead simple to send a transfer. No more cheques!

Mathieu Laroussi  

These guys just keep impressing! They make the banking and other third party payment apps look amateur. I use this across my client base and love it...saves me and my clients time and money and the experience is beautiful!

Rustin Smith