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Pluto Card
Dubai, United Arab Emirates; also listed with headquarters in Canada and the United States
What it is
Pluto Card combines corporate cards with expense management, petty cash, procurement, invoice management, and accounting automation in one platform. Employees can submit receipts through WhatsApp, SMS, or email for AI processing, while the platform monitors expenses against policies and budgets. Its prepaid Mastercard corporate cards provide real-time spending limits and budgets and offer up to 2% cashback on business expenses. Procurement features include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching. Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicate invoices. Listed accounting connections include NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo, and Infor. HR integrations include Workday, Deel, and BambooHR; sign-in options include Okta, Microsoft Entra ID, Google SSO, and Ping Identity. The listed platforms are Android, iOS, and web. Its free plan has no monthly subscription and covers up to 10 users. Pluto describes use cases for businesses from small companies to large groups, including retail, food and beverage, professional services, and technology startups.
For and against
For
- Free plan covers up to 10 users.
- Cards support real-time limits and budgets.
- Receipt submissions are supported through WhatsApp, SMS, or email.
- Lists accounting, HR, and SSO integrations.
Against
- The free plan is limited to 10 users.
- Card program is provided through NymCard under a Mastercard license.
- Pay via Pluto services are offered by InterPay Limited.
The verdict
Pluto brings spending, procurement, and invoice workflows together with corporate cards and accounting automation. Its free plan has no monthly subscription for up to 10 users.
Who it suits
Pluto suits businesses seeking corporate spending, expense, procurement, invoice, and accounting tools in one platform. Its listed use cases range from small businesses to large groups in retail, food and beverage, professional services, and technology.
Plans and prices
Free for SMEs
No monthly subscriptions · free for up to 10 users
Read 3 Oct 2026 · getpluto.com
On the record
- Accounting integrations
- The integrations page lists NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo and Infor.getpluto.com · read 3 Oct 2026
- AI expense handling
- Employees can send receipts by WhatsApp, SMS or email for AI processing, while the platform monitors expenses and enforces spending policies and budgets.getpluto.com · read 3 Oct 2026
- Availability
- The site refers to a mobile app and receipt uploads via mobile app, but does not identify the supported mobile operating systems on the pages opened.getpluto.com · read 3 Oct 2026
- Cards and cashback
- Pluto offers Mastercard prepaid corporate cards with up to 2% cashback on business expenses and real-time spending limits and budgets.getpluto.com · read 3 Oct 2026
- HR and sign-in integrations
- Listed integrations include HR platforms such as Workday, Deel and BambooHR, and SSO options including Okta, Microsoft Entra ID, Google SSO and Ping Identity.getpluto.com · read 3 Oct 2026
- Intended users
- Pluto says it serves businesses from small businesses to large groups and describes use cases for retail, food and beverage, professional services, and startups and technology companies.getpluto.com · read 3 Oct 2026
- Invoice management
- Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicate invoices.getpluto.com · read 3 Oct 2026
- Payment providers
- The site says its corporate prepaid card program is provided through NymCard Payment Services LLC under a Mastercard license, and Pay via Pluto payment services are offered by InterPay Limited (TransferMate Global Payments).getpluto.com · read 3 Oct 2026
- Procurement
- Procurement features include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching.getpluto.com · read 3 Oct 2026
- Product
- Pluto combines corporate cards, expense management, petty cash, procurement, invoice management and accounting automation in one platform.getpluto.com · read 3 Oct 2026
- Support
- Pluto’s About page states that its team resolves most support requests in an average of 15 minutes.getpluto.com · read 3 Oct 2026
