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Pluto Pros and Cons: Top 5 Advantages and Disadvantages

Quick AI Summary Based on G2 Reviews

Generated from real user reviews

Users appreciate the ease of use of Pluto, enjoying smooth transactions and hassle-free expense submissions. (251 mentions)
Users praise Pluto for its efficient expense management, enabling seamless bill uploads and real-time tracking. (93 mentions)
Users value the excellent customer support of Pluto, which enhances usability and smooth integration experiences. (84 mentions)
Users find Pluto intuitive and user-friendly, enabling smooth transactions and easy expense reporting directly. (72 mentions)
Users appreciate the tracking ease of Pluto, streamlining transaction imports and follow-ups for efficient accounting. (71 mentions)
Users find the card issues with Pluto frustrating, especially with deletion and Apple Pay functionality limitations. (38 mentions)
Users face approval issues with Pluto, including delayed OTPs and complications with refunds and payment methods. (33 mentions)
Users experience payment issues with Pluto, including ineffective refunds and inability to use Apple Pay. (27 mentions)
Users face upload issues with Pluto, including limits on receipts and difficulties deleting uploads. (24 mentions)
Users desire more advanced features in Pluto, such as additional receipt uploads and enhanced analytics options. (23 mentions)

5 Pros or Advantages of Pluto

1. Ease of Use
Users appreciate the ease of use of Pluto, enjoying smooth transactions and hassle-free expense submissions.
See 251 mentions

See Related User Reviews

Verified User
U

Verified User

Mid-Market (51-1000 emp.)

4.5/5

"Very convenient"

What do you like about Pluto?

Able to pay directly online without asking Finance. Easy way to submit travel expenses for reimbursement. Very nice features such as receipts scanner.

Verified User
U

Verified User

Small-Business (50 or fewer emp.)

5.0/5

"Smooth to use"

What do you like about Pluto?

The cards work and are have so far been accepted by all vendors. Support is there when you need and it and it's been quite smooth to use.

2. Expense Management
Users praise Pluto for its efficient expense management, enabling seamless bill uploads and real-time tracking.
See 93 mentions

See Related User Reviews

SR

samruddh r.

Mid-Market (51-1000 emp.)

4.5/5

"reviewing pluto card"

What do you like about Pluto?

best for using office expenses. good for use

KV

kazandra v.

Mid-Market (51-1000 emp.)

2.5/5

"Plutocard feedback"

What do you like about Pluto?

Pluto has been a game changer for streamlining our expense management. The real-time control, easy tracking, and local UAE integration make it incredi

3. Customer Support
Users value the excellent customer support of Pluto, which enhances usability and smooth integration experiences.
See 84 mentions

See Related User Reviews

Verified User
U

Verified User

Small-Business (50 or fewer emp.)

5.0/5

"Smooth to use"

What do you like about Pluto?

The cards work and are have so far been accepted by all vendors. Support is there when you need and it and it's been quite smooth to use.

BT

bijay t.

Mid-Market (51-1000 emp.)

3.5/5

"Its an amazing Software, its making the incurrence and recording of petty cash expenses more easy"

What do you like about Pluto?

its user friendly nature. Ease of use and many more, best customer support,integration with MS Dynamics

4. Intuitive
Users find Pluto intuitive and user-friendly, enabling smooth transactions and easy expense reporting directly.
See 72 mentions

See Related User Reviews

Verified User
U

Verified User

Small-Business (50 or fewer emp.)

5.0/5

"Smooth to use"

What do you like about Pluto?

The cards work and are have so far been accepted by all vendors. Support is there when you need and it and it's been quite smooth to use.

Athiban A.
AA

Athiban A.

Mid-Market (51-1000 emp.)

4.0/5

"Wonderful experience with Pluto card"

What do you like about Pluto?

Pluto is simple and user friendly. well suitable for grown organization

5. Tracking Ease
Users appreciate the tracking ease of Pluto, streamlining transaction imports and follow-ups for efficient accounting.
See 71 mentions

See Related User Reviews

Siby J.
SJ

Siby J.

Mid-Market (51-1000 emp.)

5.0/5

"For Payment Process"

What do you like about Pluto?

Its save a lot of time and make the process more trackable

Shady A.
SA

Shady A.

Small-Business (50 or fewer emp.)

5.0/5

"I Was good and Professional"

What do you like about Pluto?

The recipient upload per each transaction which make follow up easier and not missing any data

5 Cons or Disadvantages of Pluto

1. Card Issues
Users find the card issues with Pluto frustrating, especially with deletion and Apple Pay functionality limitations.
See 38 mentions

See Related User Reviews

Verified User
U

Verified User

Mid-Market (51-1000 emp.)

4.5/5

"Quick and Easy"

What do you dislike about Pluto?

Pluto card, cannot be added to Apple Pay

Verified User
U

Verified User

Small-Business (50 or fewer emp.)

4.0/5

"quick way to process the payments in multi currencies"

What do you dislike about Pluto?

I can't delete the bill once created by mistake

2. Approval Issues
Users face approval issues with Pluto, including delayed OTPs and complications with refunds and payment methods.
See 33 mentions

See Related User Reviews

Muzammil A.
MA

Muzammil A.

Small-Business (50 or fewer emp.)

5.0/5

"I can pay anytime anywhere"

What do you dislike about Pluto?

When i'm making some transactions the OTP didn't come and taking 1 to 2 hours for adjustment

Moin K.
MK

Moin K.

Mid-Market (51-1000 emp.)

4.5/5

"Best Virtual Card for Making payments in Tourism Industry"

What do you dislike about Pluto?

I got a refund issue as paymentvwas deducted and when contacting with custimer support they asked me to check with the supplier and after contacting t

3. Payment Issues
Users experience payment issues with Pluto, including ineffective refunds and inability to use Apple Pay.
See 27 mentions

See Related User Reviews

Verified User
U

Verified User

Mid-Market (51-1000 emp.)

4.5/5

"Quick and Easy"

What do you dislike about Pluto?

Pluto card, cannot be added to Apple Pay

Dona F.
DF

Dona F.

Small-Business (50 or fewer emp.)

4.5/5

"Pluto for Office Expense"

What do you dislike about Pluto?

Cannot use/add in applepay. Should consider this add so it can be more useful to the users.

4. Upload Issues
Users face upload issues with Pluto, including limits on receipts and difficulties deleting uploads.
See 24 mentions

See Related User Reviews

Verified User
U

Verified User

Mid-Market (51-1000 emp.)

4.5/5

"Easy to manage expense claims, Great interface"

What do you dislike about Pluto?

The bulk upload feature limits the number of receipts to just 5. It would be great to allow more than that for expenses that require multiple receipts

Raza H.
RH

Raza H.

Mid-Market (51-1000 emp.)

3.5/5

"It's easy to use, receipts can automatically uploaded and there is approval process as well."

What do you dislike about Pluto?

They should be space for uploading more quotations for one expense so the athorized person can approve one of his choice.

5. Missing Features
Users desire more advanced features in Pluto, such as additional receipt uploads and enhanced analytics options.
See 23 mentions

See Related User Reviews

Verified User
U

Verified User

Mid-Market (51-1000 emp.)

4.5/5

"Easy to manage expense claims, Great interface"

What do you dislike about Pluto?

The bulk upload feature limits the number of receipts to just 5. It would be great to allow more than that for expenses that require multiple receipts

Raza H.
RH

Raza H.

Mid-Market (51-1000 emp.)

3.5/5

"It's easy to use, receipts can automatically uploaded and there is approval process as well."

What do you dislike about Pluto?

They should be space for uploading more quotations for one expense so the athorized person can approve one of his choice.

Pluto Reviews (489)

Reviews

Pluto Reviews (489)

4.6
489 reviews
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Ashik  A.
AA
GL Accountant
Mid-Market (51-1000 emp.)
"Awesome!"
What do you like best about Pluto?

As the financial manager for a growing business, I'm always looking for ways to streamline our operations and maximize our resources. Switching to the Pluto corporate card has been one of the best decisions we've made this year.

The initial setup was incredibly straightforward. The platform's interface is intuitive, and we were able to onboard our entire team in less than an hour. The easy navigation has made it simple for everyone to manage their expenses and for me to get a clear, real-time overview of our spending.

One of the most impactful features for our workflow is the convenient invoice submission process. What used to be a tedious, manual task is now seamless. Employees can submit invoices directly through the platform, and the intelligent system makes it easy to match expenses and keep our records tidy.

Beyond the efficiency, the cash back perks are a significant benefit. It's a tangible reward that adds real value back to our business. Plus, knowing we're earning cash back on our everyday spending is a great feeling.

Finally, the supportive team at Pluto deserves a special mention. Any time we've had a question, they've been incredibly responsive and helpful, making us feel like a valued partner, not just another customer. The Pluto card is more than just a payment tool; it's a financial partner that genuinely supports our business goals. Review collected by and hosted on G2.com.

What do you dislike about Pluto?

Lack of direct API integration with MS Dynamics Review collected by and hosted on G2.com.

Verified User in Electrical/Electronic Manufacturing
UE
Mid-Market (51-1000 emp.)
"Business Travel Made Easy"
What do you like best about Pluto?

Since receiving a Pluto card last month, managing my business travel and expense claims has become much simpler. Uploading receipts immediately after each transaction makes it much easier to keep track of my spending, eliminating the need to sift through piles of receipts and submit expense claims at the end of the month. Overall, my business travel experience has become far more convenient. Review collected by and hosted on G2.com.

What do you dislike about Pluto?

I encountered a single issue involving a declined payment that was refunded to my Pluto card, but I have not yet received the corresponding credit from Mastercard. Since there was no physical receipt, my account was blocked in accordance with the company's established rules, and it took some time to resolve the situation. However, I believe the delay is due to the time taken by Mastercard to process the refund, rather than any problem with Pluto itself. Review collected by and hosted on G2.com.

"Streamlined Expense Management tool"
What do you like best about Pluto?

I like Pluto because as soon as you make a transaction, you get an email or a WhatsApp message, which makes it very easy to upload a picture of the receipt right away. This feature is really convenient because it ensures I don't forget the transaction later on. It's also very easy to set up, which I appreciate. Review collected by and hosted on G2.com.

What do you dislike about Pluto?

The one thing that annoys me is the continual sign in and verification code. Review collected by and hosted on G2.com.

AK
CEO
Small-Business (50 or fewer emp.)
"Effortless Corporate Card Management with Intuitive Controls"
What do you like best about Pluto?

Pluto makes it very easy to issue and manage corporate cards for the team, with clear controls and limits for each car Review collected by and hosted on G2.com.

What do you dislike about Pluto?

If I had to mention something small, it would be that a few more direct integrations with some niche accounting/ERP systems would make the setup even smoother for larger teams. Review collected by and hosted on G2.com.

Wahaj S.
WS
Home Onboarding Manager
Mid-Market (51-1000 emp.)
"Smooth Transactions & Expense Tracking"
What do you like best about Pluto?

Excellent for tracking and automating spending. Reviewers mention how it simplifies divided expenses—for instance, media agency customer spend versus subscriptions.

Users consistently highlight hassle-free transactions and easier submission of expenses and receipts. A typical sentiment: “Smooth transactions … hassle free claims.”

Tracking and reconciliation processes are quicker and more transparent, saving time. Review collected by and hosted on G2.com.

What do you dislike about Pluto?

Nothing . is all good and very smooth in everything Review collected by and hosted on G2.com.

RD
Account Supervisior
Small-Business (50 or fewer emp.)
"Pluto Overall Experience"
What do you like best about Pluto?

User Interface is Quick to get their hands on

Payment gateway experience is too seamless user friendly

Multiple Virtual card options and their own sets of Credit limit can be assigned.

Notes text capacity to capture for Reco purpose

Quick balance reports with multiple filter range and date range limits to an extent period of report to get access in one go.

Quick Support through Chat box & Email Trigeers Review collected by and hosted on G2.com.

What do you dislike about Pluto?

In general there is noting to share so far as negative remark as card issuer experience is upto the mark

There was a recent incident which we face looking forward it shall be altered in near future , It was worth sharing though!

The spend on the card be shown as aggregate including the charges. The reflection on the system is misleading as it shows a balance available on the card whereas it is an overbilled amount This was one where the FX charges (which are substantial) were noted. It is imperative to ensure that the billing is within the card limits and under a singular transaction. Review collected by and hosted on G2.com.

Mohit B.
MB
Operations Supervisor
Mid-Market (51-1000 emp.)
"Pluto has streamlined our expense management process, making reimbursements faster and more clear."
What do you like best about Pluto?

Pluto makes managing company expenses seamless and efficient with its user-friendly interface, real-time tracking, and smart controls for approvals and reimbursements. The ability to issue corporate cards and set spending limits is especially helpful for finance teams. Review collected by and hosted on G2.com.

What do you dislike about Pluto?

While overall reliable, the reporting dashboard could benefit from more customization options, and occasional delays in card transaction syncing can be a minor inconvenience. Review collected by and hosted on G2.com.

RR
Accountant
Small-Business (50 or fewer emp.)
"Pluto is ease our life from Petty cash"
What do you like best about Pluto?

Reduce to maintain petty cash vouchers, record keeping is very good, we can track our payments along with approvals Review collected by and hosted on G2.com.

What do you dislike about Pluto?

Nothing it is very helpful, and easy to track all information Review collected by and hosted on G2.com.

Verified User in Marketing and Advertising
AM
Small-Business (50 or fewer emp.)
"Easy-to-use, makes life easier."
What do you like best about Pluto?

Very intuitive. I use the platform on desktop most of the time, and everything is just where I'd expect it to be. Learning how to use the platform did not take so long as I expected. I also like the security features, and the card controls.

We do our agency ad spends manually. and honestly i cant imagine we worked without a tool like pluto for the past 5 years. this has been a game changer in reconciliation. Review collected by and hosted on G2.com.

What do you dislike about Pluto?

There are too many steps or options on each stage of every process. I suppose this makes sense for bigger companies, but a lesser cluttered UI would make things faster for an SME of my size. Review collected by and hosted on G2.com.

SS
Agency founder / manager
Small-Business (50 or fewer emp.)
"Efficient Expense Management for Modern Teams"
What do you like best about Pluto?

Pluto streamlines expense approvals, integrates seamlessly with accounting platforms, and offers clear, real-time analytics. The intuitive interface makes onboarding easy for both finance teams and employees, and the customer support is exceptionally responsive. Review collected by and hosted on G2.com.

What do you dislike about Pluto?

Pluto could improve by adding more customization for approval workflows and expanding its integration options. Occasional sync delays with accounting platforms can be inconvenient, but support is quick to resolve. Review collected by and hosted on G2.com.

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