Pluto Card review
A free corporate card platform with controls, approvals, receipts, and finance integrations.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Pluto Card pros and cons
- 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
Pluto Card fact sheet, pricing and score →
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