Plastiq
Plastiq: A B2B payments platform for vendor payables, bill workflows, and customer collections. Ranked #57 of 72 in Payment Processing Software by our editors (4.4/10); pricing: Free plan; best for businesses paying vendors and managing B2B payments.
At a glance
- Editor score4.4 / 10
- PricingFree plan
- Best forBusinesses paying vendors and managing B2B payments
- Free planYes
- Payment methodsCredit cards, debit cards, bank transfers (ACH/EFT); eligible financing
- Founded2012 · San Francisco, California, USA
- Facts checked23 Sep 2026
Where it wins
- Pay vendors by card, bank account, or eligible short-term financing
- Combine bill capture, scheduled payments, approvals, and vendor management
- Sync bills, vendors, and payments with QuickBooks Online, Sage Intacct, NetSuite, or Xero
Where it doesn't
- Transaction and delivery fees apply despite no-subscription and $0 acceptance messaging
- Acceptance products require business qualification and approval
- Its main focus is B2B payments, not general merchant payment processing
Our verdict on Plastiq
Plastiq brings vendor payments and business payment collection into one platform. Businesses can pay suppliers by credit card, bank account, or eligible short-term financing, including vendors that do not accept cards directly; Plastiq delivers funds by check, ACH, EFT, or wire. Bill capture, future or recurring scheduling, approval workflows, roles, permissions, vendor management, and bulk payments address the work around paying suppliers. For businesses that also need to collect money, Plastiq Accept provides payment links, QR codes, checkout SDKs, and a virtual terminal. Its tools span small businesses through enterprise, with web, iOS, Android, and API access.
The payables workflow is the central strength. Bills can be captured from email, synced sources, or uploads, then connected to approvals and payment scheduling. Accounting sync covers QuickBooks Online, Sage Intacct, Oracle NetSuite, and Xero. For software providers embedding business payments, Connect APIs and widgets offer another route beyond the standard web and mobile product. This breadth makes Plastiq relevant to teams managing supplier payments alongside customer collections, rather than to merchants seeking only a conventional checkout processor.
According to the vendor's pricing page, Plastiq advertises no subscriptions and $0 for accepting credit cards, while transaction and delivery fees still apply. Acceptance products require business qualification and approval, so collection features may not be immediately available to every business. The published compliance details include SOC 2 and PCI DSS. Plastiq is a stronger fit for businesses that want bill workflows and multiple ways to pay vendors, with payment collection as an adjacent capability. A business primarily seeking general merchant processing should consider a product centered on that use case instead.
Plastiq pricing
Plastiq fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Payment methods | Credit cards, debit cards, bank transfers (ACH/EFT); eligible financing |
| Recurring billing | Yes |
| Payment links | Yes |
| In-person payments | Yes |
| Multi-currency support | Yes |
| Payout schedule | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | SOC 2, PCI DSS |
| Support | Email, Docs |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 4 integrations: QuickBooks Online, Sage Intacct, Oracle NetSuite, Xero |
| Pricing | Free plan (source) |
| Website | plastiq.com |
| Facts checked | 23 Sep 2026 |
Plastiq integrations
Plastiq lists 4 integrations on its own site.
- QuickBooks Online
- Sage Intacct
- Oracle NetSuite
- Xero
Alternatives to Plastiq
- Stripe PaymentsA broad payment platform for developers building scalable, multi-channel payment products.8.5
- PayPal PaymentsA broad payment stack with a free entry point and wide market coverage.8.2
- AdyenBroad global payment coverage with transaction-based pricing and extensive platform tools.7.7
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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