Plooto vs Bill.com: Which Works Best for US Businesses?

For many US businesses, cash flow can make or break growth. Late vendor payments, manual invoice tracking, and high international transfer costs drain both time and money. That’s the primary reason why automation platforms like Plooto and Bill.com are important. They promise faster approvals, smoother bookkeeping and fewer errors, and each of them comes with its own set of benefits.

But while both tools target the same problem, which is simplifying accounts payable and receivable, the way they price, scale and serve US companies is very different. In this Plooto vs Bill.com comparison, we’ll break down how each platform works, what it costs, and which businesses are likely to benefit most. We'll also discuss the Wise Business account. The global account that can help your company with all things cross-border.

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No minimum balance requirement and no monthly fees
Integrates with QuickBooks, Xero, Sage, and more

Plooto Features

Plooto positions itself as a streamlined payment automation solution designed for small to mid‑sized US businesses and accounting firms. Here are its key capabilities.¹

• Automate AP and AR: Plooto supports both automated vendor payments and client collections, including recurring billing and invoice automation.
• Electronic Payments: Supports ACH, bank wires, online check payments and international transfers to more than 30 countries at a flat fee.
• Approval Workflow: Customize tiered approval paths, with notifications to approvers regardless of location.
• Two‑Way Sync With Accounting Software: Instantly syncs with QuickBooks Online, QuickBooks Desktop and Xero to reconcile transactions and maintain audit logs.
• Custom User Roles & Approval Limits: Tailor access levels and spending thresholds for better internal control.
• Client Dashboard for Accountants: Ideal for firms handling multiple clients, providing a consolidated view of their payments and AR/AP statuses.
• No Additional User Fees: Plooto charges a flat monthly subscription rather than per-user fees, aiding pricing predictability.

Overall, Plooto’s feature set emphasizes core automation, simplicity, and affordability for US businesses and accountants.

Bill.com Features

Bill.com delivers a broader, enterprise-ready feature set. While our source doesn’t list every function, several advantages are widely recognized.²

• Payments: Bill.com allows US businesses to pay vendors through ACH transfers, credit cards, or international wires reaching more than 130 countries. This flexibility supports both domestic suppliers and global partners without requiring separate banking arrangements.
• Invoicing: Companies can generate and send professional invoices directly from the platform. Customers receive access to a self-service portal where they can settle bills via ACH or card, helping businesses accelerate receivables and improve cash flow.
• Approvals and Controls: Finance teams can configure detailed approval workflows, assign roles, and set permission levels. These controls reduce fraud risks and provide a clear audit trail for compliance purposes.
• Artificial Intelligence: Bill.com leverages AI to capture invoice data, match bills with purchase orders and automate payment scheduling. This reduces manual entry, minimizes errors and frees up staff time.
• Mobile App: A dedicated mobile app enables users to review, approve and pay invoices from anywhere, keeping operations moving even when finance teams are remote or on the go.

Bill.com tends to favor scalability and control, which aligns with demands from larger firms and accounting practices.

Save Time and Money On Overseas Payments With Wise Business

Wise Business can help you save big time on international payments.

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in currencies.

Signing up to Wise Business allows access to BatchTransfer which you can use to pay up to 1000 invoices in one go. This is perfect for small businesses that are managing a global team, saving a ton of time and hassle when making payments.

Some key features of Wise Business include:

• Mid-market rate: Get the mid-market exchange rate with no hidden fees on international transfers

• Global Account: Send money to countries and hold multiple currencies, all in one place. You can also get major currency account details for a one-off fee to receive overseas payments like a local

• Access to BatchTransfer: Pay up to 1000 invoices in one click. Save time, money, and stress when you make 1000 payments in one click with BatchTransfer payments. Access to BatchTransfer is free with a Wise Business account

• Auto-conversions: Don't like the current currency exchange rate? Set your desired rate, and Wise sends the transfer the moment the rate is met

• Free invoicing tool: Generate and send professional invoices

• No minimum balance requirements or monthly fees: US-based businesses can open an account for free. Learn more about fees here

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Plooto Pricing vs. Bill.com Pricing

Plooto supports international transfers to more than 40 countries with foreign exchange rates of up to $19 for the basic plan. Unlimited users are included at every level, making Plooto especially cost-effective for US firms with multiple team members managing payables.³

Bill.com uses per-transaction fees rather than flat pricing. International payments include free foreign currency wires (conversion rates apply) or $19.99 for USD wires. Expedited options like Pay Faster ACH ($11.99) and overnight checks ($24.99) are also available.⁴

Final Thoughts: Which Platform Is Better?

When weighing Plooto vs Bill.com, the choice ultimately comes down to the size and structure of your business. Plooto is best suited for small to mid-sized US companies and accounting firms that need predictable, low-cost automation without worrying about per-user fees. Its flat monthly pricing, unlimited users and straightforward integrations with QuickBooks and Xero make it attractive for startups, expat-run firms and lean finance teams that value simplicity and cost control.

Bill.com, on the other hand, is typically more suited for larger organizations and accounting practices managing multiple clients or high transaction volumes. Its AI-powered data capture, advanced approval workflows, and support for more than 130 countries make it a better fit for enterprises that require scalability, detailed controls and audit-ready compliance.

Frequently Asked Questions

Do Either Platform Support International Payments?

Yes. Plooto sends to more than 30 countries for a flat fee of either $1 or $0.50 depending on your plan. Bill.com supports payments to more than 130 countries, though processing may be slower and fees higher.

Which Integrates Better With Accounting Software?

Plooto integrates with QuickBooks and Xero. Bill.com extends integrations to additional enterprise systems such as NetSuite and Sage Intacct.

Is Plooto or Bill.com Better for Accountants?

Both offer features for accountants, but Plooto provides a flat subscription and client dashboards. Bill.com offers multi-client management and enterprise-level tools, preferred by larger firms.

Which Platform Offers Better Security and Compliance?

Both platforms maintain high standards. Plooto uses encryption and audit logs. Bill.com is SOC 1 and SOC 2 compliant, offering bank-level security and enterprise-grade fraud prevention.