Plastiq

Plastiq is a payments platform that lets businesses pay vendors by credit card even when those vendors do not accept cards. It delivers funds to the vendor as a paper check, ACH transfer, or wire, including same-day and international options, while the payer can use a card, bank account, or short-term financing to defer repayment. The platform also supports card acceptance with no merchant fees and embeddable B2B payment options for platforms.

Core capabilities include accounting software sync with QuickBooks Online, Sage Intacct, Oracle NetSuite, and Xero; automated bill capture via email, sync, or upload; vendor management, payment tracking, bulk payments, user roles and permissions, and payment approval workflows. International payments reach 45+ countries in 20+ currencies. Plastiq offers an iOS and Google Play mobile app, plus developer tools including an API, embed guides, and code samples. Security practices include PCI DSS Level 1 certification, SOC 2 Type II compliance, and multi-factor authentication.

Plastiq is aimed at businesses managing accounts payable across industries such as manufacturing, construction, freight and logistics, wholesale, and education, as well as platforms needing embedded payments. Accounts carry no subscription fee and include unlimited users; costs are usage-based, with transaction fees on card payments and short-term financing, plus delivery fees that vary by method (ACH, check, wire) and speed. Accepting credit cards carries no merchant fee.