Pluto Card
Pluto Card: A free corporate card platform with controls, approvals, receipts, and finance integrations. Ranked #5 of 23 in Corporate Card Software by our editors (8.7/10); pricing: Free plan; best for middle East teams wanting a free card platform.
At a glance
- Editor score8.7 / 10
- PricingFree plan
- Best forMiddle East teams wanting a free card platform
- Free planYes
- Spend controlsYes
- Facts checked20 Sep 2026
Where it wins
- Free plan includes corporate cards, expense management, and up to 10 users
- Physical and virtual cards with budgets, limits, restrictions, and freezing
- Receipt capture, reimbursements, procurement, and accounting synchronization
Where it doesn't
- The Free plan is limited to up to 10 users
- Paid pricing requires contacting Pluto
- Its prepaid card model may not suit every finance team
Our verdict on Pluto Card
Pluto Card is a corporate card and spend management platform for businesses, with particular emphasis on the MENA region. It combines prepaid corporate cards with expense tracking, receipt capture, reimbursements, procurement, invoice management, accounting automation, and approval workflows. Teams can issue physical and virtual cards, set budgets and spending limits, restrict merchants, freeze cards, and monitor transactions across web, iOS, and Android apps. An API is also available.
The Free plan costs AED 0 per month when billed monthly and includes corporate cards, expense management, and up to 10 users. The platform goes beyond card issuance with configurable approval workflows, employee reimbursements, procurement and invoice management, OCR receipt extraction, and transaction matching. Receipts can be captured through WhatsApp, email, SMS, and mobile apps. AI bookkeeping and transaction coding add automation for teams that want card activity connected to finance processes. Paid pricing requires contacting Pluto, so larger organizations should assess the paid offering before standardizing on the platform.
Pluto Card fits teams that want card controls and expense operations in one system, especially businesses already working with Xero, QuickBooks Online, NetSuite, Zoho, Microsoft Dynamics, Oracle Fusion, SAP, Odoo, Workday, Rippling, Okta, Slack, Microsoft Teams, or WhatsApp. Accounting and ERP synchronization can support existing finance workflows, while the mobile apps cover cards, receipts, transactions, and reimbursements. It is a strong match for smaller Middle East teams starting with a free platform and needing more than basic cards. Teams with more than 10 users should evaluate the paid structure, while organizations seeking a different card model may prefer an alternative.
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Pluto Card pricing
All 1 Pluto Card plans and prices →
Pluto Card fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Physical cards | Yes |
| Virtual cards | Yes |
| Spend controls | Yes |
| Approval workflows | Yes |
| Receipt capture | Yes |
| Supported currencies | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | ISO 27001, SSO/SAML |
| Support | |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 50+ integrations: Xero, QuickBooks Online, NetSuite, Zoho, Microsoft Dynamics, Oracle Fusion … See all → |
| Pricing | Free plan (source) |
| Website | getpluto.com |
| Facts checked | 20 Sep 2026 |
Pluto Card integrations
Pluto Card lists 50+ integrations on its own site — the 14 named here are the ones its pages call out.
- Xero
- QuickBooks Online
- NetSuite
- Zoho
- Microsoft Dynamics
- Oracle Fusion
- SAP
- Odoo
- Workday
- Rippling
- Okta
- Slack
- Microsoft Teams
See all Pluto Card integrations →
Alternatives to Pluto Card
- BILL Spend & ExpenseA free spend-management platform for cards, controls, expenses, and reimbursements.9.3
- BrexA broad spend platform with a free tier and paid controls for global teams.9.2
- JeevesA budget-conscious option for teams needing cards, controls, reimbursements and bill pay.9.0
See all Pluto Card alternatives →
Pluto Card vs the competition
- Pluto Card vs BILL Spend & Expense
- Pluto Card vs Brex
- Pluto Card vs Jeeves
- Pluto Card vs Moss
- Pluto Card vs Spendesk
- Pluto Card vs Pleo
Compare Pluto Card with any tool side by side →
Also Ranked In
Pluto Card is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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