Plastiq is the modern alternative to

Manage accounts payable with a dedicated email inbox, automated payments and accounting sync, and approval workflows. We're the only bill pay platform built with instant working capital access so you can improve cash flow as needed

Pay with Plastiq
Compare Plastiq to

Amplify cash flow

Free up cash flow using business credit cards to pay expenses. We recommend our card partners -  Parker for a longer payback cycle - or Brex for cash back and high credit lines.

Pay overseas suppliers

Pay vendors in over 45 countries around the globe with a next day wire transfer. Perfect for revenue-dependent payments on inventory and supplies.


Order products and services that require immediate payment. Onboard your vendors in a few clicks.

Short-term financing options

Get instant access to a short term loan in Plastiq. Easier, more accessible, and less expensive compared to bank loans.

Customer success

With Plastiq, I don’t have to pay my January Facebook advertising bill until April, freeing up cash flow and making my business run smoother.

Jason Rappaport,
Universal Standard

I run a construction and real estate business. Plastiq helps balance my cash flow and pay bills on time when I don't have cash on hand. Previously, I would tell vendors, sorry I can't pay you for 3 weeks. Now I can pay them early which makes for better vendor relationships.

Stuart Fox,
Fox Financial

I needed to pay a vendor but
my bank limited the amount I could send in a single day. With Plastiq, I was able to send a high volume bank transfer and pay an important vendor on time.

Josh Piotrkovski
at TechSuppliers

When a vendor doesn’t accept credit cards, we negotiate a
45-day ACH payment term.
My cards are in a 60-day repayment cycle, so effectively, 
I can extend the time a bill comes due up to 105 days
with Plastiq.

Sam Garvin, CEO,
Garvin Promotion Group

Plastiq Pricing

Remember, the card fee is offset by card rewards and early pay discounts, and fees can be tax deductible.

Pay by

Credit Card


Free Bank Transfer
Free Paper Check Delivery
$5 Wire Transfer in the U.S.
$39 for International wire

Pay by

Bank Account


Free Bank Transfer
Free Paper Check Delivery

Compare Plastiq's 2.9% to the cost of a bank loan. Try our calculator to see how you can come out ahead.

Pay overseas vendors in more than 45 countries. Next day disbursement ensures great supplier relationships.

No signup fees or hidden fees. Premium plans available for more advanced A/P features such as invoice inbox, accounting sync, and payment approval workflows. Enjoy incredible savings compared to

Pay by vendors by credit card regardless of
acceptance. Here’s how:

Add your vendors

Select a vendor that’s already in our system or add your own. Enter your vendor's payment method preference - ACH bank account, wire transfer or paper check

Pay on Plastiq with a Visa

Add your credit cards

Add your credit cards to your Plastiq account. Save as many cards as you want and have complete control over when and how you use them. You can also connect your bank account through Plaid for free ACH payments.


Submit your payment

Enter the amount and schedule the delivery date.  Rest assured: payments are guaranteed to arrive on time in the form of a check, wire, or bank transfer. Your recipient doesn’t even need a Plastiq account.


“Plastiq can help you extend the time to pay off large expenses so you can keep your burn rate down and not worry about expenses until you’ve already made the sale.”

-Ronak Shah,

Founder & CEO, Obvi

We're proud to support thousands of growing businesses like yours since 2014.

2020 Fintech 50

in Technology

Most Innovative Product of the Year: SMB (Silver)

Use your card to
pay for virtually


Office lease

Raw materials

Logistics & Shipping



Technology services