Flexible payments mean greater cash flow control 

Vendors won't accept credit card payments? No problem. For only 2.9% per transaction, Pay by Card lets you pay via credit card while your vendor gets paid via check, EFT, or ACH. Free up working capital by extending payment cycles and capitalizing on early payment discounts and card-based rewards.

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How Pay by Card works

You get card benefits, while your vendors get paid via check, EFT, or ACH. Everyone wins.

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Add your credit card

Securely add your commercial Visa or Mastercard as a payment method to your Plooto account.

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Verify your business

Complete a brief business ownership verification process via our partner, Persona.

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Select Pay by Card

When paying a vendor, select your preferred credit card.

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Send your payment

Plooto will send payment to your vendor via check, EFT, or ACH.

Unlock potential savings

Use your credit card to take advantage of card rewards, vendor early payment discounts, and tax write-offs — all for just 2.9% per transaction.

* This calculator provides an estimate of potential savings. These savings are not guaranteed. Please consult your tax advisor and your credit card issuer’s rules to determine actual savings.

How much money could you save?*

$145
$100
$40.60
$0

Potential savings: $140.60

Pay how you want. Reap the rewards.

bank-noteControl your cash flow

Pay vendors on time while shifting expenses to your card's next billing cycle.

sparkles (1)Get rewarded for business expenses

Use your credit card and earn the card-based rewards you love, like cash back or points you can use toward travel, meals, and events.

heartsBecome your vendors’ favorite customer

Take advantage of early or on-time payment discounts your vendors offer and boost your bottom line.

PBC pay how you want

10,000+ businesses trust Plooto

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Smart integrations with accounting software

Mitigate data-entry errors and gain more accurate books with our two-way sync with top accounting software like QuickBooks, Xero, and NetSuite.

More about Quickbooks >

More about Xero >

More about NetSuite >

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Even more options. Even more payment flexibility.

bank 1CRA Remittance

Canadian customers can pay government remittances in one place, from payroll deductions to tax payments.

Learn more >

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Skip the in-person signatures and approvals when you pay via check. Full service includes printing and mailing.

Learn more >

globeInternational Payments

Make payments around the world and enjoy competitive exchange rates without the transfer fees.*

* Excludes fees on non foreign exchange, check, and same-currency transactions. Industry and discretionary rates apply, and are subject to change. A complete conversion cost estimate is viewable when payment is created or via our foreign exchange calculator.

Learn more >

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See what businesses like yours are saying

David Dinardo headshot

David DiNardo
CEO
Envolta

“You’re eliminating a manual process with an electronic tool.”

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Emily Ahier
Finance Manager
Greenhouse

“Using the Plooto platform we save approximately 40+ hours a month.”

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Tom Yawney
Director of Business Development
The Influence Agency

“We can send everything in a moment, very, very simple!”

FAQs

Don't see your question answered here? Contact us today.

What is Pay by Card?

Pay by Card allows you to pay your vendors using a credit card, even if they don’t accept card payments. Your vendors can receive their payment via check, EFT, or ACH, while you benefit from the flexibility and rewards of using your credit card. 

Do my vendors need to accept credit cards? 

No, your vendors don’t need to accept credit cards. With Pay by Card, they’ll receive payments via their preferred method — check, EFT, or ACH — while you pay using your credit card. It works seamlessly for everyone. 

How do I set up Pay by Card?

Setting up Pay by Card is simple. Log into Plooto, select your vendor, choose Pay by Card as the payment method, and Plooto will handle the rest — whether the vendor prefers check, EFT, or ACH. 

What are the fees for using Pay by Card?

Pay by Card charges a small 2.9% transaction fee for processing payments via credit card. You’ll be able to take advantage of your credit card rewards, and the benefits of extended payment cycles often outweigh the cost. 

Can I track payments made through Pay by Card? 

Absolutely. All payments made through Pay by Card are tracked in Plooto, with real-time status updates and automatic reconciliation with your integrated accounting software. 

Does Pay by Card work with my accounting software? 

If you’ve integrated your accounting software with Plooto, definitely. Pay by Card integrates seamlessly ensuring smooth reconciliation and accurate financial records. 

Is Pay by Card secure?

Yes, Plooto always takes security very seriously. We use bank-grade encryption and multi-factor authentication to ensure that all transactions, including Pay by Card, are fully secure. 

Can I still schedule payments in advance using Pay by Card?

Yes, with Pay by Card, you can schedule payments in advance just like you would with any other payment method in Plooto. This helps you stay on top of cash flow and vendor relationships. 

Will my vendor know I’m paying by credit card?

No, the payment method you use won’t affect your vendor. They will receive their payment via their preferred method — check, EFT, or ACH — without any changes on their end. Using a credit card is solely an option for you to manage your payments and cash flow more effectively. 

Pay vendors with your credit card today

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