Pluto's free tier supports up to 5 corporate cards, basic domestic and international bill payments, employee expense reimbursements, approval workflows, file-based general ledger sync, and WhatsApp receipt capture, making it viable for micro-SMEs starting their expense management journey. Pluto's paid plans unlock meaningful upgrades: Business Essentials adds direct integrations with QuickBooks, Xero, Zoho, and Wafeq, unlimited approval layers, and multi-country supplier payments. The Professional tier adds cashback up to 2% on FX, advanced workflow automation, policy management, and Oracle NetSuite and Microsoft Dynamics sync. Enterprise adds purchase orders, dynamic approvals with user groups, and dedicated change management support. G2 reviewers note the free card cap and basic integrations as the primary limitations prompting upgrades.