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SPECIFICTION
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Pluto Card

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Spec score 7.4 #16 of 26 in Expense Management

What it is

Pluto Card combines corporate cards, expense management, petty cash, procurement, invoice management, and accounting automation in one platform. Employees can submit receipts through WhatsApp, SMS, or email for AI processing, while the platform monitors spending against policies and budgets. Its prepaid Mastercard corporate cards offer real-time spending limits and budgets, with up to 2% cashback on business expenses. Procurement tools include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching. Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicates. Listed accounting integrations include NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo, and Infor. HR and sign-in options include Workday, Deel, BambooHR, Okta, Microsoft Entra ID, Google SSO, and Ping Identity. Pluto lists Android, iOS, and web platforms. Its free plan has no monthly subscription and covers up to 10 users. The product is presented for businesses from small companies to large groups, including retail, food and beverage, professional services, and technology startups.

Spec sheet

Product
Pluto combines corporate cards, expense management, petty cash, procurement, invoice management and accounting automation in one platform.Read 3 Oct 2026 · getpluto.com
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.Read 3 Oct 2026 · getpluto.com
Support
Pluto’s About page states that its team resolves most support requests in an average of 15 minutes.Read 3 Oct 2026 · getpluto.com
Headquarters
Dubai, United Arab Emirates; also listed with headquarters in Canada and the United StatesRead 28 Sep 2026 · getpluto.com
Accounting integrations
The integrations page lists NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo and Infor.Read 3 Oct 2026 · getpluto.com
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.Read 3 Oct 2026 · getpluto.com
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.Read 3 Oct 2026 · getpluto.com
Cards and cashback
Pluto offers Mastercard prepaid corporate cards with up to 2% cashback on business expenses and real-time spending limits and budgets.Read 3 Oct 2026 · getpluto.com
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.Read 3 Oct 2026 · getpluto.com
Invoice management
Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicate invoices.Read 3 Oct 2026 · getpluto.com
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).Read 3 Oct 2026 · getpluto.com
Procurement
Procurement features include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching.Read 3 Oct 2026 · getpluto.com

Plans and prices

Free for SMEs Free No monthly subscriptions · free for up to 10 users Read 3 Oct 2026 · getpluto.com

Every Pluto Card plan and price →

Strong points and limits

Strong points

  • Free plan covers up to 10 users with no monthly subscription.
  • Prepaid Mastercard cards offer real-time spending limits.
  • Supports WhatsApp, SMS, and email receipt submissions.
  • Procurement includes configurable approval routing and GRN matching.
  • Lists accounting, HR, and SSO integrations.

Limits

  • Free plan is limited to up to 10 users.
  • Cashback is stated as up to 2%.
  • Corporate prepaid card program is provided through NymCard under a Mastercard license.
  • Pay via Pluto services are offered by InterPay Limited.

Who it suits

Pluto suits businesses seeking to combine spending controls, card management, procurement, invoices, and accounting automation. Its listed use cases range from small businesses to large groups across retail, food and beverage, professional services, and technology startups.

Verdict

Pluto brings a broad set of business spending and finance functions together with listed accounting, HR, and SSO integrations. Its free plan covers up to 10 users; the site also identifies third parties providing its card and Pay via Pluto services.

Where Specifiction places it

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