# Plooto

**Canonical:** https://apis.io/providers/plooto/  
**Website:** https://www.plooto.com/  
**APIs profiled:** 0

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.

## Kin Score — 22.4 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 22.4).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 17.4 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Payments**: 29.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Plooto Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Payments, Canada, Accounts Payable, Accounts Receivable, AP Automation, AR Automation, Bill Pay, Money Transfer, EFT, ACH, Cross-Border, SMB

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/plooto/). Scores are computed from the provider's own public artifacts under a published rubric.