Plooto

Plooto is a Toronto-based payments automation company (founded 2015 by Hamed Abbasi and Serguei Kloubkov) that helps small and medium businesses and accounting firms automate domestic and international accounts payable and accounts receivable. Its cloud platform unifies bill pay, approval workflows, supplier and customer payments, reconciliation, and reporting across Canadian EFT, US ACH, credit card, and cross-border rails, syncing two-way with QuickBooks Online, Xero, and NetSuite. Plooto is a licensed money services business in its home market of Canada, working with Tier 1 banks and processing partners. Its posture is integration-led rather than API-platform-led: money movement runs on a first-party backend gateway (api.plooto.com) that powers the app and its accounting connectors, but Plooto does not publish a public, self-serve developer portal, downloadable OpenAPI/Swagger specification, or public API reference. Partner and embedded access is arranged through a gated partner onboarding process, not open developer sign-up.

Plooto is profiled on the APIs.io network. Tagged areas include Payments, Canada, Accounts Payable, Accounts Receivable, and AP Automation.

Plooto’s developer surface includes engineering blog, pricing, getting-started guide, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.6/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

0 APIs

Payments Canada Accounts Payable Accounts Receivable AP AutomationAR AutomationBill Pay Money Transfer EFT ACH Cross-Border Small Business

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 19.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 7.8 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 4.7 / 9

Regulatory Posture 2.6 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/plooto: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

NACHA

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Plooto Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Security

Security

Compliance

Compliance

Operate 1

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: plooto
url: https://raw.githubusercontent.com/api-evangelist/plooto/refs/heads/main/apis.yml
name: Plooto
kind: company
description: 'Plooto is a Toronto-based payments automation company (founded 2015 by Hamed Abbasi and Serguei Kloubkov) that
  helps small and medium businesses and accounting firms automate domestic and international accounts payable and accounts
  receivable. Its cloud platform unifies bill pay, approval workflows, supplier and customer payments, reconciliation, and
  reporting across Canadian EFT, US ACH, credit card, and cross-border rails, syncing two-way with QuickBooks Online, Xero,
  and NetSuite. Plooto is a licensed money services business in its home market of Canada, working with Tier 1 banks and processing
  partners. Its posture is integration-led rather than API-platform-led: money movement runs on a first-party backend gateway
  (api.plooto.com) that powers the app and its accounting connectors, but Plooto does not publish a public, self-serve developer
  portal, downloadable OpenAPI/Swagger specification, or public API reference. Partner and embedded access is arranged through
  a gated partner onboarding process, not open developer sign-up.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Canada
- Accounts Payable
- Accounts Receivable
- AP Automation
- AR Automation
- Bill Pay
- Money Transfer
- EFT
- ACH
- Cross-Border
- Small Business
tags_raw:
- Payments
- Canada
- Accounts Payable
- Accounts Receivable
- AP Automation
- AR Automation
- Bill Pay
- Money Transfer
- EFT
- ACH
- Cross-Border
- SMB
created: '2026-07-24'
modified: '2026-10-06'
specificationVersion: '0.23'
apis: []
common:
- url: https://www.plooto.com/blog/rss.xml
  type: BlogRSS
- type: DomainSecurity
  url: security/plooto-domain-security.yml
- type: Website
  url: https://www.plooto.com/
- type: Blog
  url: https://www.plooto.com/blog
- type: HelpCenter
  url: https://plooto.my.site.com/support/
- type: Pricing
  url: https://www.plooto.com/pricing
- type: Security
  url: https://www.plooto.com/plooto-security
- type: Compliance
  url: https://www.plooto.com/plooto-security
- type: GettingStarted
  url: https://www.plooto.com/product
- type: Login
  url: https://app.plooto.com/
- type: LLMsTxt
  url: llms/plooto-llms.txt
- type: TermsOfService
  url: https://www.plooto.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.plooto.com/privacy-policy
- type: LinkedIn
  url: https://ca.linkedin.com/company/plooto
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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