Pluto Card
Pluto Card brings corporate cards and business spending tools together with expense management, petty cash, procurement, invoice handling, and accounting aut…
What Pluto Card is
Pluto Card brings corporate cards and business spending tools together with expense management, petty cash, procurement, invoice handling, and accounting automation. Employees can send receipts through WhatsApp, SMS, or email for AI processing; the platform also monitors spending against policies and budgets. Its prepaid Mastercard corporate cards support real-time limits and budgets and offer up to 2% cashback on business expenses. Procurement tools include 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 identify duplicates. Accounting connections include NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle products, Epicor, SAP, Odoo, and Infor. HR and sign-in integrations include Workday, Deel, BambooHR, Okta, Microsoft Entra ID, Google SSO, and Ping Identity. Pluto lists Android, iOS, and web platforms. Its free plan costs nothing and is available to up to 10 users with no monthly subscription.
Good
- Free plan for up to 10 users, with no monthly subscription
- Prepaid Mastercard cards offer up to 2% cashback
- Receipt submission by WhatsApp, SMS, or email
- Approval routing and vendor contract tracking
- Integrates with accounting, HR, and SSO platforms
Watch out
- Free plan is limited to 10 users
- Prepaid corporate cards are provided through NymCard
- Pay via Pluto services are offered by InterPay Limited
Who it suits
Pluto Card suits businesses that want corporate card controls alongside expense, procurement, invoice, and accounting workflows. Its stated use cases span small businesses to large groups, including retail, food and beverage, professional services, and technology startups.
Verdict
Pluto Card combines spending controls with expense, procurement, invoice, and accounting tools. Its free plan covers up to 10 users, while businesses can assess its integrations and card arrangements against their needs.
Plans and prices
From Pluto Card's own pricing page, checked 3 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free for SMEs | Free | No monthly subscriptions · free for up to 10 users |
The facts
Each one read from Pluto Card's own pages, with the date it was checked.
What it does
- Accounting integrations
- The integrations page lists NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo and Infor.checked 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.checked 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.checked 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.checked 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.checked 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.checked 3 Oct 2026
- Invoice management
- Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicate invoices.checked 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).checked 3 Oct 2026
- Procurement
- Procurement features include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching.checked 3 Oct 2026
- Product
- Pluto combines corporate cards, expense management, petty cash, procurement, invoice management and accounting automation in one platform.checked 3 Oct 2026
- Support
- Pluto’s About page states that its team resolves most support requests in an average of 15 minutes.checked 3 Oct 2026
The company
- Headquarters
- Dubai, United Arab Emirates; also listed with headquarters in Canada and the United Stateschecked 28 Sep 2026
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