Plooto API
Plooto is an accounts payable and accounts receivable automation platform that gives accounting firms and their SMB clients one place to pay bills, collect invoices, route approvals, and reconcile two-way with QuickBooks, Xero, and NetSuite. Plooto has no public API—an unofficial API lets you programmatically pull bills, invoices, payments, vendors, and approval status, and push new bills, payment instructions, and approval actions back into Plooto.
What is Plooto?
Plooto is a payment automation platform that gives accounting firms and their small-and-medium-business clients one place to handle every payment in and out. Businesses use Plooto to pay bills, collect invoices, route custom approval chains, send domestic and international payments via ACH, EFT, check, credit card, and wire, and keep everything reconciled through two-way sync with QuickBooks, Xero, and NetSuite.
Core product areas include:
- Accounts Payable (email or upload bills, schedule and pay vendors via the Plooto Network of 150,000+ suppliers, cash-flow payment timing)
- Accounts Receivable (send invoices, recurring invoices, payment reminders, automatic invoice-to-payment matching, collections)
- Plooto Capture (OCR invoice data extraction that maps bill contents to payment fields)
- Approval Workflows (custom rules that route payments to the right approvers with permissions and online approval)
- International Payments (automatic currency conversion, competitive FX rates, clear fees, built-in compliance)
- Accounting Sync (two-way reconciliation with QuickBooks, Xero, and NetSuite)
Common data entities:
- Bills, Vendors/Suppliers, Payment Instructions, Scheduled Payments
- Invoices, Customers, Recurring Invoices, Payment Reminders
- Approval Workflows, Approval Rules, Approvers, Permissions
- Transactions, Transfers, FX Conversions, Bank Accounts
- Captured Documents, Reconciliation Records, Accounting Sync Mappings
The Plooto Integration Challenge
Accounting firms and SMBs run their bill-pay and collections on Plooto daily, but turning its web-based workflows into API-driven automation is non-trivial:
- No public API: Plooto exposes no documented developer API, so there is no sanctioned way to read bills, invoices, or payment status programmatically
- Web-portal-only access: Bill upload, approval routing, and payment scheduling all live behind the authenticated dashboard rather than service endpoints
- Multi-entity firm structure: Accounting firms operate many client books from one login, each with its own approval rules, permissions, and bank accounts
- Approval-chain state: Payments move through custom approval rules and statuses that are hard to track without polling the UI
- Authentication and MFA: Financial-grade login with MFA complicates headless, automated access
- Reconciliation coupling: Data is tightly bound to two-way QuickBooks, Xero, and NetSuite sync, so any integration must respect those mappings
How Supergood Creates Plooto APIs
Supergood reverse-engineers Plooto's authenticated browser flows to deliver a resilient API layer over your Plooto account—covering accounts payable, accounts receivable, approvals, and payment status without waiting on a public API.
- Handles username/password and MFA securely in a managed session
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across bills, invoices, payments, vendors, and approval workflows so you integrate once against consistent objects
- Respects multi-client firm structure, approval permissions, and accounting-sync mappings for compliant access
Use Plooto with AI agents: Plooto MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your Plooto modules, client books, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Plooto adapter tailored to your account structure and approval workflows.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Plooto evolves.
API Endpoints
Authentication
/authenticateAuthenticate to a Plooto account using username/password and MFA, and obtain a session token for downstream calls.
Accounts Payable
/billsList bills with filters for vendor, status, due date, and approval state across your client books.
Accounts Payable
/create_paymentSchedule a payment against an approved bill, including domestic ACH/EFT, check, or international transfer.
Accounts Receivable
/invoicesRetrieve invoices, recurring invoices, and their payment and reminder status for receivables tracking.
Accounts Receivable
/create_invoiceCreate and send an invoice to a customer with payment terms, reminders, and accounting-sync mappings.
Vendors
/vendorsPull vendor and supplier records, including Plooto Network connections and payment details.
Use Cases
Automate accounts-payable bill ingestion and payment
- Pull bills uploaded or emailed into Plooto along with Plooto Capture OCR fields - Route each bill into the correct custom approval workflow programmatically - Schedule domestic and international payments once approvals clear
Sync receivables and collections
- Stream invoices, recurring invoices, and payment status into BI and cash-flow tools - Trigger payment reminders and match incoming payments to open invoices - Surface overdue receivables to collections and dunning workflows
Reconcile payments with accounting systems
- Mirror Plooto payments and transactions into QuickBooks, Xero, or NetSuite mappings - Reconcile bills-to-payments and invoices-to-receipts across client books - Export transaction, transfer, and FX-conversion records to the general ledger
Centralize multi-client firm operations
- Aggregate bills, invoices, and approval status across every client book from one login - Enforce per-client approval rules, permissions, and bank-account routing - Report on payment volume and approval bottlenecks across the practice
Technical Specifications
Authentication
Username/password and MFA handled in a managed session
Connectivity
Authenticated browser flows over Plooto's web application; no public API required
Response format
Normalized JSON across bills, invoices, payments, vendors, and approval objects
Rate limits
Adaptive throttling tuned to your account to avoid Plooto-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for bills, invoices, and payment status with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for bill creation, approval status, payment sent, and invoice paid
Latency
Sub-second reads on cached entities; multi-second writes when scheduling payments or sending invoices
Throughput
Horizontally scaled workers sized to multi-client firm payment volume
Reliability
Retry, backoff, and idempotency keys for payment and approval actions
Adaptation
Continuous monitoring of Plooto UI and workflow changes with automatic adapter updates
Frequently asked questions
No. Plooto does not publish a developer API. Supergood delivers an unofficial API by securely automating Plooto's authenticated web flows, so you get programmatic access to bills, invoices, payments, and approvals without waiting on an official one.
Yes. Supergood normalizes both the AP side (bills, vendors, scheduled payments, approvals) and the AR side (invoices, recurring invoices, reminders, collections) through a single API surface.
Yes. The integration respects Plooto's multi-client firm structure, applying each client's approval rules, permissions, and bank-account routing while letting you aggregate data across books.
Custom approval rules and statuses are exposed through the API, so you can read where each payment sits in its chain and trigger approval actions programmatically rather than polling the dashboard.
No. Supergood reads and writes through the same authenticated surfaces your team uses and preserves Plooto's two-way accounting-sync mappings, so reconciliation stays intact.