Plastiq
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free TrialFree version
Small
Medium
Large
- Construction
- Real estate and property management
- Manufacturing
What is Plastiq
Plastiq is a payment platform that enables businesses and individuals to pay bills and vendors using credit cards, debit cards, or bank transfers, including cases where the recipient typically accepts only checks or ACH. It is commonly used for accounts payable, rent, taxes, tuition, and supplier payments to improve cash-flow timing or consolidate payments. The service routes funds to payees via ACH, check, wire, or card networks depending on the biller and payment type, and it charges fees based on the funding method and transaction.
Pays vendors beyond card acceptance
Plastiq supports paying recipients that do not directly accept card payments by converting the payer’s funding method into ACH, check, or other supported rails. This expands card-funded payment use cases for bills such as rent, tuition, and certain supplier invoices. It can reduce the need to maintain separate payment workflows for card-accepting versus non-card-accepting vendors.
Multiple funding and delivery options
Users can fund payments via credit card, debit card, or bank transfer depending on eligibility and transaction type. Plastiq then delivers funds to the payee through supported methods such as ACH or check, which helps match the payee’s acceptance capabilities. This flexibility is useful for mixed vendor bases and recurring bill payments.
Business-oriented bill payment workflows
Plastiq is oriented around bill payment and accounts payable scenarios rather than only checkout payments. It supports scheduling payments and managing payee details, which fits recurring obligations and invoice-driven payments. This focus can be a better fit for AP-style payments than general-purpose payment acceptance tools.
Fees can be material
Card-funded payments typically incur service fees, which can be significant relative to ACH or check costs. The economics may not work for low-margin bills or large recurring payments unless the payer has a clear benefit (e.g., cash-flow timing). Users need to evaluate total cost per payment type and recipient.
Not a full merchant acquiring stack
Plastiq is primarily designed for paying bills and vendors, not for building a full online checkout and card acceptance experience. Organizations that need extensive payment acceptance features (e.g., storefront checkout customization, subscription billing, or advanced payment orchestration) may require additional systems. This can increase integration and reconciliation effort across tools.
Eligibility and rail constraints
Available funding methods and delivery rails can vary by payee type, transaction category, and compliance requirements. Some billers or payment categories may be restricted or require additional verification. These constraints can limit universal use across all vendor payments and require operational workarounds.
Plan & Pricing
Usage-based (Plastiq core — pay-per-payment): Pricing model: Pay-as-you-go Transaction fees: Card payments — 2.99%. Short-term financing (optional): 2.75%–10.65% (for eligible/registered businesses; 30/60/90 day payback options listed). Delivery fees: ACH/EFT/Electronic — $0.99; Paper check — $1.49; Wire transfer — $8.99 (domestic) / $39 (international). Expedited/same-day options: Same/Next Day Payments & Overnight Checks starting at 0.2%. Notes: No subscription fees for the core product; Plastiq accounts and access to core features are free (you pay per transaction/delivery). Unlimited users and standard AP features are included with an account.
Tiered subscription (Pay Pro) — shown on official Pay Pro page:
| Plan | Price | Key features & notes |
|---|---|---|
| Free | Free | Entry-level Pay Pro access listed on Pay Pro page (benefits: organized bills, 2‑way accounting sync, automated bill capture, bulk payments, approvals). |
| $59 / month | $59/month | Mid-tier Pay Pro plan (listed on Pay Pro page). |
| $119 / month | $119/month | Higher-tier Pay Pro plan (listed on Pay Pro page). |
Free trial: Pay Pro shows a 60‑day free trial promotion on the Pay Pro page.
Seller details
Plastiq, Inc.
San Francisco, CA, USA
2012
Private
https://www.plastiq.com/
https://x.com/plastiq
https://www.linkedin.com/company/plastiq/
