Freedom251 › Expense Management
Pluto Card
What Pluto Card is
Pluto Card combines corporate cards with tools for expenses, petty cash, procurement, invoices and accounting automation. Employees can submit receipts through WhatsApp, SMS or email for AI processing, while spending is checked against company policies and budgets. Its prepaid Mastercard corporate cards support real-time limits and budgets and offer up to 2% cashback on business expenses. Procurement includes configurable approval routes, vendor contract tracking, and two-way and three-way GRN matching. Pluto says its AI OCR can handle hundreds of invoices within minutes and flag duplicates. Accounting integrations include NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo and Infor. HR connections include Workday, Deel and BambooHR; sign-in options include Okta, Microsoft Entra ID, Google SSO and Ping Identity. Pluto lists Android, iOS and web access. Its free plan costs nothing for up to 10 users, with no monthly subscription. The company describes use across small businesses and large groups, including retail, food and beverage, professional services, and startups and technology companies.
Who it suits
Pluto Card suits businesses that want card spending, expense handling, procurement and invoice workflows in one platform. Its stated use cases range from small businesses to large groups across several industries.
What it does well
- Free plan for up to 10 users with no monthly subscription
- Prepaid Mastercard cards offer up to 2% cashback
- Receipts can be submitted by WhatsApp, SMS or email
- Includes approval routing and vendor contract tracking
- Lists accounting, HR and sign-in integrations
What to know first
- The free plan is limited to 10 users
- The corporate prepaid card program is provided through NymCard under a Mastercard license
- Pay via Pluto services are offered by InterPay Limited
Limits
The free plan costs nothing and covers up to 10 users, with no monthly subscription. Cashback is up to 2% on business expenses.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free for SMEs | No monthly subscriptions · free for up to 10 users | Free |
As getpluto.com lists them, read 3 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the Pluto website.
- Choose the free plan, which covers up to 10 users.
- Use the web platform or Android or iOS app.
- Set up cards, spending limits and budgets.
- Connect relevant accounting, HR or sign-in integrations.
Verdict
Pluto Card brings business spending and back-office workflows together, with integrations across accounting, HR and sign-in tools. Its free plan covers up to 10 users; businesses should note the listed payment providers for its card and payment services.
Questions
Does Pluto have a free plan?
Yes. The Free for SMEs plan costs nothing and covers up to 10 users with no monthly subscription.
Which platforms does Pluto support?
Pluto lists Android, iOS and web.
What accounting integrations are listed?
They include NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo and Infor.
Can employees submit receipts by email or message?
Yes. Receipts can be sent through WhatsApp, SMS or email for AI processing.
What card types does Pluto offer?
It offers physical and virtual prepaid Mastercard corporate cards, with real-time spending limits and budgets and up to 2% cashback on business expenses.
Facts from Pluto Card's own pages
- 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, 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, 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, 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, 3 Oct 2026
- Headquarters
- Dubai, United Arab Emirates; also listed with headquarters in Canada and the United States · getpluto.com, 28 Sept 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, 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, 3 Oct 2026
- Invoice management
- Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicate invoices. · getpluto.com, 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, 3 Oct 2026
- Procurement
- Procurement features include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching. · getpluto.com, 3 Oct 2026
- Product
- Pluto combines corporate cards, expense management, petty cash, procurement, invoice management and accounting automation in one platform. · getpluto.com, 3 Oct 2026
- Support
- Pluto’s About page states that its team resolves most support requests in an average of 15 minutes. · getpluto.com, 3 Oct 2026
Where Pluto Card stands on Freedom251
- Expense Management#7 of 26
- Corporate Card Software#10 of 23