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 is 0.00 USD per free 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 is for
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 is good
- 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
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.
Pluto Card plans and pricing
All plansCompared on corporate card software
- Free plan
- Yes
- Physical cards
- Yes
- Virtual cards
- Yes
- Spend controls
- Yes
- Approval workflows
- Yes
- Receipt capture
- Yes
