--- title: "Plooto bookkeeping and accounting, done for you" description: "Dedicated Plooto bookkeepers and accountants: setup, daily bookkeeping, reconciliation, clean-up and reporting inside Plooto. No proprietary platform, no." url: https://ledgerbpo.com/software/plooto/ updated: 2026-09-11 publisher: LedgerBPO (SS Support Network LLC) language: en-US --- # Plooto bookkeeping and accounting, done for you Plooto bookkeeping services from LedgerBPO give Canadian and US businesses a named accountant who codes bills in your own Plooto account, routes them through your approval tiers, syncs them to QuickBooks Online or Xero, and matches every EFT, check and pre-authorized debit to the bank. You approve and release every payment; we never move money. - Since 2020 - Your subscription, your data - AP & payments - CA · US [Get a custom quote](https://ledgerbpo.com/get-a-quote/) [Book a 20-minute call](https://ledgerbpo.com/book-a-call/) In short - Bills coded and routed through your Plooto approval tiers - Payables and receivables via pre-authorized debit reconciled to the bank - GST/HST coding checked before every bill is approved Updated September 2026 ## Why businesses on Plooto outsource Plooto is built for Canadian businesses that want approval control and EFT payments without paper checks. It also collects receivables by pre-authorized debit, which means money moves in both directions through one clearing account. Owners often end up with a Plooto balance in the ledger that nobody can explain, GST and HST coded inconsistently on bills, and approvals that stall because the second signer is away. A dedicated accountant keeps the account tidy. We code each bill with the right tax code and expense account, route it through the approval tiers you have set, and reconcile the Plooto clearing account so payments out and PAD collections in are each matched to the bank. You keep the account and the release step. We prepare and match. ## What we do inside Plooto ### Bill capture and coding We create bills from the QuickBooks Online or Xero sync or from uploads, then check vendor, GST/HST code, expense account and due date before routing for approval. ### Multi-tier approval workflows We set up approval tiers by amount and signer so every payment follows the sign-off rules your board or partners expect, and we chase approvers before due dates. ### Payment preparation for your release We prepare EFT, check and international payments by due date and cash position. The final approval and release stays with your authorized signers. We have no authority to pay. ### Pre-authorized debit receivables Where you collect from customers by PAD through Plooto, we track agreements, post collections against the right invoices and follow up on returned or failed debits. ### Sync to QuickBooks Online and Xero We manage the accounting sync so bills, payments and receipts post correctly, and we clear sync errors before they cause duplicates or gaps. ### Clearing account reconciliation Plooto's clearing account carries both money out and money in. We reconcile it every month so the balance is explained by in-transit items only. ## Integrations we reconcile - **[QuickBooks Online](https://ledgerbpo.com/software/quickbooks-online/)** Bills, bill payments, PAD receipts and the Plooto clearing account. - **[Xero](https://ledgerbpo.com/software/xero/)** Synced bills and payments reconciled to the Xero bank feed with correct tax codes. - **[Dext](https://ledgerbpo.com/software/dext/)** Bill images captured in Dext matched to the bills paid in Plooto. - **[Hubdoc](https://ledgerbpo.com/software/hubdoc/)** Supplier documents from Hubdoc tied to the Plooto bill and payment record. - **[Wagepoint](https://ledgerbpo.com/software/wagepoint/)** Contractor payments kept separate from payroll so T4A totals are not double-counted. ## Migration to and from Plooto ### Moving to Plooto Moving payables into Plooto starts with the ledger connection, which pulls vendors and open bills across. We clean duplicate vendors first, confirm which open bills were already paid by check or e-transfer, set the approval tiers to match your signing authority, and reconcile the opening AP balance. If you will also collect by PAD, we load customer agreements and test the first collection. ### Moving from Plooto Leaving Plooto for Bill.com, Melio or ledger-native payments means closing every in-flight item. We export the payment and PAD history, confirm each EFT and check has cleared the bank, post any Plooto fees still outstanding, and carry the vendor list and open bills to the new system. The clearing account is reconciled to zero on the switch date before the account is closed. [Accounting software setup and migration](https://ledgerbpo.com/services/accounting-software-setup/) ## Common Plooto reconciliation problems we fix 1. ### Clearing account balance nobody can explain Payments out and PAD collections in both pass through the same Plooto clearing account. We reconcile it monthly so the balance equals in-transit items and nothing else. 2. ### GST/HST coded inconsistently on bills The same supplier gets coded with tax one month and without the next, which throws off the input tax credit claim. We check the tax code on every bill before approval so the GST/HST return is right. 3. ### Approval stuck on a second signer A two-signer rule protects the business but stalls payments when one signer is away. We track pending approvals and flag anything approaching its due date so you can decide early. 4. ### Failed pre-authorized debits not followed up A PAD returned for insufficient funds is easy to miss in a busy month. We post the reversal, reopen the invoice and hand it to your collections cadence. 5. ### Duplicate bills from sync and upload A bill entered in Xero and uploaded to Plooto creates two open items. We check invoice numbers before routing and merge duplicates so the supplier is paid once. ## Other ap & payments platforms - [Bill.com](https://ledgerbpo.com/software/bill-com/) - [Melio](https://ledgerbpo.com/software/melio/) - [All 50 platforms](https://ledgerbpo.com/software/) ## Frequently asked questions ### Do you work inside my existing Plooto account? Yes. You add us as a user in your own Plooto account with the role you choose, usually one that can enter and prepare but not approve or release. You keep ownership of the account, the bank connection and the signing authority. We code, route and reconcile; you approve and release every payment. ### How much does Plooto bookkeeping support cost? Pricing depends on volume and scope, so we send a custom quote within 1 business day. The main drivers are bills per month, the number of approval tiers and signers, whether you also collect by pre-authorized debit, and whether vendor management and monthly bookkeeping sit in the same engagement. ### Will you release payments for us? No. We never move money. We prepare and route payments, check them against approved bills and your cash position, and your authorized signers approve and release them in Plooto. Our user role has no release permission. Our accounts payable service explains why we keep this maker-checker split on every engagement. ### Can you handle GST/HST coding on Plooto bills? Yes. We apply the correct GST, HST, PST or QST code on every bill before it is routed, based on the supplier's province and what was supplied. The coded bills then feed your GST/HST return, which we prepare as workings for your CPA. Our sales tax reconciliation service covers the tie-out. ### Do you manage pre-authorized debit collections through Plooto? Yes. We keep PAD agreements on file, post each collection against the right customer invoice, and follow up on returned debits by reopening the invoice and notifying you the same day. Collections are matched to the bank through the Plooto clearing account. Our cash application service describes how receipts are matched to invoices. ### Can you clean up a Plooto account with an unreconciled clearing balance? Yes. We scope it as a cleanup project: list every payment and PAD in Plooto, match each to the bank, identify in-transit and stale items, and post corrections so the clearing account is explained. Then the account moves to the monthly service. Next step ## Books closed. Invoices paid. Every month. Tell us what is going on with your books or billing. You will hear from a named person within 1 business day, with a custom quote and a plan for the first close. - Reply from a named person within 1 business day - No setup fee, month-to-month - Your software, your data, no lock-in Start with a custom quote [Get a custom quote](https://ledgerbpo.com/get-a-quote/) [Book a 20-minute call](https://ledgerbpo.com/book-a-call/) Or call [+1-657-777-0006](tel:+16577770006) during US, UK or Australian business hours. --- Source: https://ledgerbpo.com/software/plooto/ · Contact: https://ledgerbpo.com/contact/ · Full site map for agents: https://ledgerbpo.com/llms.txt