Flexible payments mean greater cash flow control 

Vendors won't accept credit cards? Need to pay taxes but short on cash? Pay by Card lets you make payments via credit card, while vendors get paid by check, EFT, or ACH. Free up working capital, extend payment cycles, earn rewards and capitalize on early payment discounts.

You get card benefits, while your vendors get paid via check, EFT, or ACH. Everyone wins.

Unlock potential savings

Use your credit card to take advantage of card rewards, vendor early payment discounts, and tax write-offs — all for just 2.9% per transaction.

* This calculator provides an estimate of potential savings. These savings are not guaranteed. Please consult your tax advisor and your credit card issuer’s rules to determine actual savings.

How much money could you save?*

$145
$100
$40.60
$0

Potential savings: $140.60

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See what businesses like yours are saying

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David DiNardo
CEO
Envolta

“You’re eliminating a manual process with an electronic tool.”

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Emily Ahier
Finance Manager
Greenhouse

“Using the Plooto platform we save approximately 40+ hours a month.”

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Tom Yawney
Director of Business Development
The Influence Agency

“We can send everything in a moment, very, very simple!”

FAQs

Don't see your question answered here? Contact us today.

What is Pay by Card?

Pay by Card allows you to pay your vendors using a credit card, even if they don’t accept card payments. Your vendors can receive their payment via check, EFT, or ACH, while you benefit from the flexibility and rewards of using your credit card. 

Do my vendors need to accept credit cards? 

No, your vendors don’t need to accept credit cards. With Pay by Card, they’ll receive payments via their preferred method — check, EFT, or ACH — while you pay using your credit card. It works seamlessly for everyone. 

How do I set up Pay by Card?

Setting up Pay by Card is simple. Log into Plooto, select your vendor, choose Pay by Card as the payment method, and Plooto will handle the rest — whether the vendor prefers check, EFT, or ACH. 

What are the fees for using Pay by Card?

Pay by Card charges a small 2.9% transaction fee for processing payments via credit card. You’ll be able to take advantage of your credit card rewards, and the benefits of extended payment cycles often outweigh the cost. 

Which credit cards can I use with Pay by Card?

Corporations can use commercial Visa or Mastercards to pay by card, and sole proprietorships and LLCs can use personal Visa or Mastercards.

Can I track payments made through Pay by Card? 

Absolutely. All payments made through Pay by Card are tracked in Plooto, with real-time status updates and automatic reconciliation with your integrated accounting software. 

Does Pay by Card work with my accounting software? 

If you’ve integrated your accounting software with Plooto, definitely. Pay by Card integrates seamlessly ensuring smooth reconciliation and accurate financial records. 

Is Pay by Card secure?

Yes, Plooto always takes security very seriously. We use bank-grade encryption and multi-factor authentication to ensure that all transactions, including Pay by Card, are fully secure. 

Can I still schedule payments in advance using Pay by Card?

Yes, with Pay by Card, you can schedule payments in advance just like you would with any other payment method in Plooto. This helps you stay on top of cash flow and vendor relationships. 

Will my vendor know I’m paying by credit card?

No, the payment method you use won’t affect your vendor. They will receive their payment via their preferred method — check, EFT, or ACH — without any changes on their end. Using a credit card is solely an option for you to manage your payments and cash flow more effectively.