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Plooto Alternatives

In the following, we took a step forward and analyzed some of Plooto Alternatives.

Plooto vs. Dwolla

Dwolla Pros and Cons


  • Easy to implement
  • Price packages for everybody
  • 4 integrations plus Sandbox environment
  • White label payment solution available
  • API


  • Only available in the US
  • Only debit card transfers
  • Pay-as-you-go can get expensive
  • Works in more countries
  • International transfers

Dwolla comes with a series of integrations developed by them and the possibility of developing your own through the Sandbox environment. Furthermore, you also have an API and white-label payment solutions. However, the software has some shortcomings. For example, Dwolla is available for US citizens only and fails to mention any possibility of making international transfers. Moreover, pay close attention to the charges for each transfer.

Plooto Pros and Cons


  • Fast setup
  • Suitable for accounting and bookkeeping firms
  • Time-saving
  • Easy to use
  • Online check payments
  • Several options of customer service


  • Certain setback at the withdrawals
  • A low number of integrations
  • Can become expensive

At Plooto, we have always admired their transparency regarding pricing. The best part about this is that the transaction cost in Plooto’s case remains the same regardless of the amount being transferred in contrast to Dwolla, which charges 0.5% per transaction, depending on the size of your transaction to your advantage or disadvantage. However, while Plooto offers online checks and international transfers, we wish they would perform better in integrations; therefore, if you are looking for a more versatile tool integration-wise, Dwolla would probably be a better choice.

Plooto vs. Pros and Cons


  • Fast setup
  • Suitable both accounting firms and businesses
  • Time-saving
  • Easy to use
  • International payments
  • Several options of customer service
  • Machine learning or automation
  • Real-time updates
  • Accept payments with both credits and debit cards


  • Payees need to create an account.
  • Certain modification in your user account can be difficult
  • Account required for clients to pay bills integrates in contrast to Plooto with most of the popular accounting tools in the US. For example, FreshBooks, SAP, Sage, Microsoft, and Yardi. The two have in common the integration with QuickBooks and Xero.

Furthermore, is slightly more expensive for both accountants and businesses, with its minimum price starting at $35 for a limited number of users of 5 and no integrations available. Above all, with, pay close attention to the extra charges for transfers and the added sale tax.


The only objective conclusion we can draw from this is that it depends on what you are looking for, and what is your default bookkeeping program will probably play a big part in your choice. Both Dwolla and are some great Plooto alternatives, and like any tools, they come with their shortcomings. Thus, if you are looking for a platform that would integrate with more platforms or an accounting firm looking for a solution for most of your clients, your safest bet would be If you are looking for something US, only Dwolla could be good for you. However, if you want something that can automate, has fixed fees for transfers, are international transfers friendly, and suitable for accountants, Plooto is a good solution for you as long as you use QuickBooks or Xero for accounting.