Pluto provides a corporate expense management platform that combines Mastercard‑backed business cards with real‑time spend controls, unlimited cashback up to 2%, and integration with over 50 accounting systems such as Xero, QuickBooks Online, and NetSuite. Its AI engine automates receipt capture via WhatsApp, SMS or email and enforces spending policies, helping SMEs save more than 100 hours per month on expense processing while supporting global subsidiaries.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often struggle with fragmented expense processes, juggling petty cash, corporate card transactions, procurement orders, and invoice payments across multiple systems, which leads to manual data entry, policy violations, and significant time spent on reconciliation.
Solution
Pluto provides a MasterCard‑powered expense management platform that unifies all company spend—petty cash, card purchases, procurement, and invoices—into a single dashboard. Real‑time spend controls and automated policy enforcement let administrators set limits and budgets that are applied instantly. AI-driven receipt capture via WhatsApp, SMS, or email extracts data and syncs it automatically to accounting systems, eliminating manual entry. The platform offers unlimited cashback of up to 2% on business expenses and includes access to a global network of airport lounges. Native integrations with Xero, QuickBooks Online, NetSuite, Zoho, and over 50 other tools ensure seamless data flow across the financial stack.
Target Audience
Pluto targets small and medium enterprises as well as larger organizations that need a consolidated solution for managing corporate card spend, petty cash, procurement, and invoice payments.
Features
- MasterCard‑backed corporate cards with unlimited 2% cashback and worldwide airport lounge access
- AI-powered receipt processing that extracts data from WhatsApp, SMS, email, or mobile uploads
- Real‑time spend monitoring with customizable limits, budgets, and automatic policy enforcement
- Digital petty‑cash vouchers for tracking cash balances by department, project, or location
- One‑click synchronization with 50+ accounting and ERP platforms, including Xero, QBO, NetSuite, and Zoho
- Multi‑entity support for subsidiaries in the USA, Canada, UAE, and other countries