Dext Payments Canada: Can Dext Rival Plooto and Bill.com?

Dext, the bookkeeping automation provider owned by IRIS Software Group, launched Dext Payments Canada on October 5, 2026, letting QuickBooks Online and Xero users approve and pay supplier invoices without leaving Dext.

The launch is the first time Dext has taken its payments feature outside the UK. Canadian businesses and their advisers processed more than $2 million through the product during beta testing, Dext said.

For practices, the question is whether a capture tool can become the place where payables are paid. Dext Payments Canada charges a $20 add-on per client each month and a per-payment fee beyond 20 free EFT transfers, which puts it in direct competition with dedicated payables tools such as Plooto.

Dext Payments Canada goes live in every province

The product is available to Dext customers using QuickBooks Online and Xero across Canada, including Quebec. Dext’s announcement does not restrict it by province.

Users upload invoices to Dext, where AI extracts the details into structured data before they reach the ledger. They then import unpaid invoices from QuickBooks Online or Xero, build single or batch payment runs, send them through approval workflows and submit payment.

The product covers supplier invoices and employee expense reimbursements. Dext does not offer payroll payments in Canada, although the UK product added payroll earlier this year.

“Canada is a significant market for Dext, and launching Payments here is an important step in our growth beyond the UK,” said Sabby Gill, chief executive of Dext. He said Canadian businesses face the same disconnected processes as UK ones, “on top of some of the slowest payment times tracked anywhere”.

Dext says Payments is its most requested feature to date. The company has processed more than 2 billion receipts and invoices over 16 years and serves more than 12,000 accounting firms and 700,000 businesses.

Rails, partner and fees for Dext Payments Canada

At launch the product pays by Electronic Funds Transfer, BillPay and Interac. EFT pre-authorised debit follows shortly after, and Dext is building virtual and spend cards. Businesses can also pay suppliers in currencies other than the Canadian dollar.

Payments run on infrastructure from Airwallex, the Australian payments company that Dext named as its partner in July 2025. Dext said Airwallex is registered with FINTRAC as a money services business in Canada and with Revenu Québec for customers in that province.

Dext’s Canadian fee schedule lists prices in Canadian dollars, excluding GST. The fees break down as follows:

• Payments add-on: $20 per client a month on annual billing, or $24 on monthly billing, on top of a Dext Business subscription that starts at $31.50 a month on annual billing.
• Canadian EFT: 20 free payments a month, then $0.90 each.
• US ACH: $0.90 a payment from the first payment, with no free allowance.
• Interac e-Transfer and BillPay: $1.50 a payment from the first payment.
• Foreign exchange: a 0.00% Dext markup.

There is no setup or connection fee, and no free trial. Re-adding Payments to a client who previously had it costs $10.

Batching matters to the bill. Four invoices to one supplier paid separately cost $3.60 in EFT fees, while one batched payment costs $0.90 and marks all four invoices as paid and reconciled.

What Dext Payments Canada means for practices

Advisers can use the product on behalf of clients, not only their own business. Dext’s practice pricing charges per selected client, and the 20 free EFT payments apply to each client rather than pooling across the book.

That structure favours firms with many clients paying modest volumes. It penalises a practice that adds one high-volume client, since overage is invoiced to that client at month end.

The controls are the part most likely to matter in a review. Dext lists custom approval workflows, automatic supplier verification, security flags, strong customer authentication, fraud shields and full audit trails. Firms drafting their own sign-off rules can map those steps onto an internal controls register.

Reconciliation runs back to the ledger. Paid invoices are marked as paid and reconciled in QuickBooks Online or Xero, which removes a manual bank reconciliation step for those items.

Melissa Jackson, an accountant at Oxford Milkway in Woodstock, Ontario, has made more than 178 successful payments covering 660 bills through the product. Dext said she now has a clearer approval trail and stronger internal controls.

The ledger choice also matters. Practices still deciding between platforms can compare them in Accountio’s QuickBooks vs Xero guide.

Dext Payments Canada against Plooto and BILL

Plooto is the closest Canadian comparison. The Canadian payables company syncs with both Xero and QuickBooks, imports bills, applies approval rules, and pays by EFT, ACH, cheque or credit card.

Plooto lists a Grow plan at $32 a month with domestic payments at $0.50 each, and a Grow Unlimited plan at $59 a month with unlimited domestic payments.

On those published figures, Plooto is cheaper for a high-volume payer. At 100 EFT payments a month, Dext’s add-on and usage fees come to $92, before the cost of the underlying Dext subscription, against $59 on Plooto’s unlimited plan.

Dext’s argument is different. It sells document capture first, so the invoice that a client photographs or emails is the same record that gets approved and paid. A firm already paying for Dext does not add a second vendor, a second login or a second supplier list.

Plooto has an advantage in payment methods that Dext does not yet match. Its listed fees include cheque and Canada Revenue Agency payments, and Dext has not announced either.

US-built products are a weaker comparison. Xero completed its purchase of the US bill-pay platform Melio for $2.5 billion upfront on October 15, 2025, and has framed Melio-powered payments as a US offer. Practices looking at other US vendors can review Accountio’s BILL alternatives.

The UK record behind Dext Payments Canada

Dext launched Payments in the UK on February 2, 2026, for Xero users. A three-month beta there processed nearly £800,000.

The product reached UK QuickBooks Online users on July 29, 2026, by which time UK customers had processed more than £6 million. That total has since passed £16 million.

UK pricing is lower per payment. Dext lists UK Faster Payments at £0.25 each, against $0.90 for a Canadian EFT after the free allowance.

Stephen Edginton, Dext’s chief product and technology officer, described Payments as infrastructure that adapts to how each market pays. The Canadian rails and the UK rails differ, though the approval workflow and ledger sync are the same.

What to watch after the Dext Payments Canada launch

Dext has said a non-integrated version is planned, which would let businesses without QuickBooks Online or Xero use the product. It has not given a date.

The next measurable test is EFT pre-authorised debit, which Dext said will follow the launch rails shortly. Virtual and spend cards are further out, and the company has set no Canadian date for them.