Is there a difference between PAD for Canadian users and ACH for U.S. users?

No. The setup process is the same. While the authorization document differs (ACH authorization for U.S. users versus PAD authorization in Canada), the steps in Plooto to set up and manage pre‑authorized debits are the same.

How do I know if I have a Customer Success Manager (CSM)?

If you are part of an accounting or bookkeeping firm, you will have a dedicated Customer Success Manager who will reach out to you directly. If you are a business with an in‑house team and need assistance, our support team can help connect you with the right resources.

How long does it take for funds to reach my bank after a customer pays?

Bank transfers: Typically 3–5 business days after the payer completes the request. Most payments settle within three business days, though credit unions may require an additional day. Credit card payments: Typically 2–3 business days after the payment is completed.

Can I limit credit card payments on Accounts Receivable to specific customers?

Yes. When enabling credit card payments for Accounts Receivable, you can control this on a per-payment request basis. Before sending a request, you can choose whether or not to allow credit card payments on the summary screen. If you only want certain customers to have access to this option, we recommend creating separate payment requests for those customers and enabling credit card acceptance only for those requests.At this time, settings do not persist at the individual customer level, but this is an area the team is actively reviewing for future enhancements.

Can I customize the percentage of the credit card fee shared with my customer?

Not at this time. Our team is actively exploring options to allow greater flexibility in how credit card surcharge fees are split, and we will share updates as this evolves.

What is the fee for paying vendors by credit card?

The fee is 2.9% of the transaction amount. Many customers choose this option to extend cash flow, earn credit card rewards, and pay vendors who do not accept cards directly.

How can I prevent duplicate invoices in QuickBooks when publishing bills?

Use Plooto Capture to upload and publish invoices directly in Plooto. This automatically creates the invoice in QuickBooks and keeps both systems in sync, eliminating duplicate entries.

What is the cost of using Plooto Express?

Plooto Express has a fee of 0.5% of the transaction amount, with a minimum charge of $0.50 per transaction. (Please note Plooto Express is available for select customers at this time. For question concerning this feature, please contact support@plooto.com)

Can an approver remove individual invoices from a batch payment?

Yes. When creating a batch payment for a vendor, individual invoices can be removed directly from the payment creation screen before the payment is sent.

Do vendors automatically receive payment remittance notifications?

Yes. Vendors automatically receive a remittance email when a payment is released in Plooto.

Can I add attachments after a payment has been sent for approval?

Attachments must be added before a transaction is sent for approval. If needed, the transaction must be cancelled or recalled and recreated with the attachment included.

Can I split a large bill into multiple payments over time?

Partial payments are not currently supported within Plooto itself, however, to pay over time, the invoice can be split into multiple invoices in your accounting software, then synced to Plooto for payment.

Can I set up two‑person or multi‑person approvals?

Yes. Plooto supports multiple approvers, including two‑person approvals. Approvers can be set as mandatory or optional based on your workflow needs.

Is credit card acceptance required when sending payment requests?

No. Credit card acceptance is optional and can be enabled or disabled for each payment request. You remain in full control of when this option is offered

Does Plooto have a certification or partner program?

We are actively developing an expanded Plooto Partner Program for accounting and bookkeeping firms. In the meantime, your Customer Success Manager can help arrange training sessions.

Can I use Plooto to pay utility bills?

Utility bill payments are not currently supported. This is a common request and is being evaluated for future enhancements.

How does Plooto support FINTRAC compliance for CPA firms and their clients?

Both the CPA firm and the business client must complete verification steps in Plooto. When a firm initiates a payment and the client approves it, Plooto maintains a full audit trail to support regulatory compliance.

How do vendor credits work in Plooto?

Vendor credits should be applied in your accounting system and then synced with Plooto. Support for applying credits directly within Plooto is being reviewed.