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Pluto's Accounts Payable Hub

Find expert insights and strategies for accounts payable. Stay updated with the latest trends and innovations to streamline your AP processes.

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5
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Updates
April 4, 2024

Mohammed Ridwan

PlutoCard is Now GetPluto: Your Unified Payable Solution

PlutoCard now becomes GetPluto — your new one-stop solution for all payables.  

What's New?

After much anticipation and hard work, we're excited to announce the migration from plutocard.io to getpluto.com, a step towards redefining corporate payments.

With getpluto.com, we are extending our vision beyond providing corporate cards

We understand the challenges that businesses face when handling their finances. It involves more than swiping a card and filing expenses. That's why we've developed a comprehensive suite of products and features to simplify everything from procurement to payables. 

So, whether you want to streamline purchase requests, integrate your ERP without impacting costs, or manage reimbursements — getpluto.com has you covered!

Beyond Cards: The All-In-One Platform

Here's a glimpse of what Pluto has to offer:

  1. Procure-to-pay: Streamline your procurement process from purchase requests to invoice matching, all in one place.
  2. Bill management: Centralize bill management and payments for faster approvals, better vendor relationships, and more accurate two/three-way matching.
  3. Accounting ERP integrations: Sync seamlessly with major ERPs like Xero, Zoho, QuickBooks, Dynamics, and Netsuite to close your books 10X faster.
  4. Petty cash management: Digitize cash-in-hand management to eliminate leaks without losing flexibility or visibility.
  5. T&E reimbursements: Simplify travel and expense reimbursements with unlimited budget-controlled corporate cards and custom approval workflows.
  6. Corporate cards: Get budget-controlled corporate cards with built-in compliance management — from receipt capture to policy enforcement. 

“We have been using Pluto for a few months now, and we literally have everything in one place.”

~ Lee Kersen Mascarenhas, Head of Operations at BloomingBox

From Our CoFounder — Mo Aziz

Pluto's Corporate Cards have been serving the largest businesses in UAE powered by a platform built for companies of all sizes: from small-scale SMEs to businesses with 1000s of employees.

But company spending does not happen just through Corporate Cards…

At Pluto, we believe CFO & Finance teams need a unified, comprehensive platform that solves all types of corporate spending problems end-to-end.

The new Pluto is our step towards this future where UAE businesses get a best-in-class platform, helping manage company spending across Cards, Reimbursements, Invoice Management, Procurement & more.

Join Us At getpluto.com

We're excited about the possibilities that getpluto.com brings. 

We understand the importance of this change and are here to support you at every step of the way, offering a more comprehensive platform to meet all your financial needs.

Sign up for a demo or create a free account at getpluto.com today and discover how Pluto simplifies payments for—finance teams, procurement teams, and employees.

Thank you for your continued support!

5
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Updates
December 11, 2023

Vlad Falin

5 Strategies For Cost Reduction in Procurement To Improve Bottom Line

It’s challenging to always be on your toes, looking for ways to cut costs. Be it negotiation or automating manual, time-consuming processes, your main focus is always to optimize expenses and improve the bottom line. This comprises 36% of CPOs whose top priority is delivering bottom-line savings. 

Hence, in this post, we will discuss the top 5 procurement cost reduction strategies. We’ll also discuss the process of getting started and ways to improve the procure-to-pay process to ensure procurement cost savings

See a Demo

5 Cost-Saving Strategies in Procurement

Here are the top 5 cost reduction techniques in procurement that you can implement in the short and long run:

1. Reduction in Maverick Spending

Reduction in Maverick Spending

Maverick spending refers to expenses beyond the established policy and procurement process. It involves unauthorized purchasing that is either not approved or doesn't adhere to the pre-approved vendors or negotiated contracts. 

Such expenses impact financial and operational efficiency, leading to budget overruns and supplier relationship strain. For instance, an employee purchases office supplies from a non-approved vendor. It can lead to higher costs due to a lack of negotiated discounts and impact the organization's ability to leverage consolidated spending for better terms and conditions.

To reduce maverick spending, you must actively communicate procurement policies to avoid such expenses. You must monitor all the transactions and address any such instances. This requires greater visibility into the spending at each stage and an analysis of how company resources are being used. You will also need to set spending controls based on the company policies to avoid constant monitoring. 

Purchase request flow

As a result, you gain better control over the procurement process, negotiate better contracts with preferred suppliers, and leverage volume discounts without disrupting the supply chain. This will help you maintain compliance with established procurement policies and save costs by avoiding unauthorized expenses. 

2. Contract Management

Contract management involves reassessing the existing contracts and negotiating supplier agreements. This includes negotiation, execution, and ongoing monitoring to ensure cost optimization.

Contract Management

To ensure strong contract management practices, regularly revisit contract terms, assess performance metrics, and proactively identify areas for improvement. Prioritize negotiation preparation by investing in training for procurement professionals, ensuring they possess the skills to secure favorable terms and adapt agreements to evolving business needs. 

Contract management aids in maximizing the value of agreements, minimizing risk, and ensuring that suppliers deliver as per the agreed terms. It also promotes better relationship management and identifies opportunities for cost optimization.

3. Request Specification

Request Specification

Request specification involves creating clear and detailed specifications for the goods or services that the organization intends to procure. This involves detailing purchase requests and understanding the needs of the teams to deliver what they need and not spend money on unnecessary features and misfit products. This helps ensure suppliers understand the exact requirements, leading to more accurate quotes and better value for money.

To ensure detailed request specifications, involve all the stakeholders in the approval process and get buy-in from each of them. Follow a standardized approval workflow to raise purchase requests. This ensures consistency and gets the maximum information possible. However, it is important to implement customized workflows to suit your business hierarchies.

hierarchies

This reduces the risk of feature overlap and better consolidates the purchases for negotiating more favorable deals. Moreover, the specificity of needs lowers the chances of cost overruns or disputes during the procurement process.

4. Spending Consolidation

Consolidating spending means automating procurement processes to achieve economies of scale. This includes consolidating purchases, standardizing suppliers, and leveraging bulk buying power. Doing so lets you negotiate better terms with suppliers, reduce administrative overhead, and achieve cost savings through volume discounts.

For instance, if you consolidate spending on packaging materials by sourcing from a single supplier, you negotiate bulk discounts, streamline procurement processes, and benefit from standardized materials. This approach reduces costs through economies of scale, simplifies logistics, and enhances overall operational efficiency.

Spending Consolidation

To consolidate spending, conduct a thorough spend analysis, identify opportunities for consolidation, and negotiate with suppliers for better terms. Additionally, implement procurement software to streamline procurement processes. This will give you insights into your spending behaviors and help you identify optimization opportunities. Also, create a cross-functional procurement team to promote collaboration and standardization across the organization. Moreover, ensure proper cross-functional workflows to get stakeholders involved at each stage. 

5. Vendor Diversity

Vendor Diversity

Vendor diversity involves engaging with various suppliers to reduce dependency on a single source. This strategy ensures increased competition, better negotiation opportunities, and improved risk management.

For instance, having vendor diversity enables you to source materials from multiple suppliers rather than relying solely on one. This creates competition among suppliers, encouraging competitive pricing and service levels to mitigate risks associated with potential disruptions from a single supplier. Hence, in the event of supply chain challenges or fluctuations, you get the flexibility to maintain production and minimize the impact on operations.

To ensure vendor diversity, adopt a global sourcing strategy and conduct thorough market research to identify potential suppliers across the globe with clear criteria for supplier selection. Additionally, actively seek partnerships with businesses that bring unique strengths to your supply chain. Moreover, it is important to also regularly reassess and diversify your supplier portfolio to ensure adaptability to changing market dynamics. Fostering open communication to build strong, collaborative relationships with various suppliers is a must

As a result, you get better pricing, quality, and innovation. It also provides a safety net if one supplier faces disruptions or fails to meet expectations.

Three-Step Process for Cost Reduction in Procurement

Before implementing these strategies, go through this strategic process each time you have to hunt down expenses for cost savings:

1. Analyze Spend

Analyze Spend

Start by conducting a comprehensive spending analysis to understand where the money goes. Use financial records, invoices, and procurement data to categorize and analyze spending patterns. In such cases, having procure-to-pay software helps a lot in getting insights and real-time visibility.

This step provides a clear overview of the organization's spending habits, allowing identification of areas for potential cost savings. It serves as a foundation for informed decision-making in subsequent cost-reduction strategies.

2. Identify the Biggest Expense

Compare across departments or suppliers to identify the largest expenses or categories and spot any unusual expenses. This step allows for targeted efforts in cost reduction.

Discuss these insights with relevant stakeholders to understand why these costs exist and their impact. Also, align the understanding of ‘savings’ with them to avoid unnecessary delays and rejections. It is advisable to align it with something measurable to make it easier to sell the business case and implement the necessary changes. 

For instance, the information technology (IT) department proposes investing in new software that, in the long run, promises increased efficiency and reduced maintenance costs. However, the finance team, focused on immediate budget constraints, may interpret ‘savings’ as strictly short-term cost reductions rather than considering long-term benefits. 

To align understanding, the IT team can quantify long-term savings through reduced downtime, improved productivity, and potential scalability benefits. This ensures both departments share a common definition of ‘savings’ and facilitates a collaborative decision-making process.

Additionally, you can target the smaller spend or tail-end spend as well. It is easier to cut people from making one-off purchases or buying small items on Amazon that another department may have. 

3. Conduct Market Research and Maintenance

Conduct market research to understand current pricing, trends, and available alternatives for the identified major expenses. Based on your research, you can optimize these expenses without impacting the supply chain. This includes incentives such as:

  • Use spending data analysis to negotiate improved terms with suppliers. Seek discounts or bundled services to reduce costs without disrupting the supply chain.
  • Research alternative suppliers or vendors for the identified major expenses. Assess their offerings, pricing, and reliability to diversify options and secure more cost-effective alternatives.
  • Invest in automation to optimize procurement processes, reducing administrative overhead without disrupting the supply chain.
  • Analyze inventory levels and adjust ordering practices based on demand forecasts to prevent overstocking or stockouts.
  • Regularly monitor the expenses and supplier performance and reassess strategies to adjust optimization efforts based on changing market conditions and organizational needs.

Keep updating this information to stay informed about changes in the market. This ensures that you are well-informed about competitive pricing and industry trends. Additionally, you get the necessary data to negotiate better terms with suppliers, explore cost-effective alternatives, and adapt to market fluctuations, contributing to more strategic and informed decision-making.

How to Ensure Maximum Procurement Cost Reduction

Most companies have procurement processes running on autopilot with standard operating procedures. However, this leads to inconsistent efforts of procurement teams in reducing costs. They have to dedicate hours to analysis and optimization, which can be changed with intentional efforts to ongoing cost savings practices in procurement. 

However, with traditional manual processes, getting real-time visibility and comprehensive insights is impossible. To streamline the process and consolidate the expenses, you must adopt tools that support your cost savings initiative. This means centralizing all the information to build a unified platform for complete visibility and control. 

Pluto simplifies this for you. Not only do you get insights and controls, but you can also create cross-functional workflows to facilitate the collaborative procurement process. You can integrate your entire accounting and accounts payable system onto a single platform and streamline the entire process. As a result, you get real-time visibility and can optimize expenses in time.  

Book a demo to know more about how Pluto fits into your business and helps you streamline your procurement process for collaborative cost-saving efforts.

5
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Updates
December 7, 2023

Mohammed Ridwan

Pluto Wins Big at the MENA Fintech Awards

The MENA Fintech Awards, a prestigious event within the financial technology industry, recently celebrated the most innovative and impactful solutions in the sector. 

We at Pluto are thrilled to announce that our company has been honoured with the 'Best Corporate Solution' award! This recognition is a testament to our team's hard work, dedication, and innovative approach in the fintech space.

Our co-founders, having spent a considerable part of their lives in the UAE. Working within the fintech sector, identified a significant gap in the region's finance sector. They observed that the tools, platforms, and software available to CFOs and finance teams were not only outdated but also overly complex, hindering efficient financial management.

With Pluto, they embarked on a mission to develop a software solution that would change how mid to enterprise level businesses handled their finances. 

The MENA Fintech Awards, organised in collaboration with the MENA Fintech Association, are designed to recognize excellence and innovation in financial technology. These awards are a highlight of the Abu Dhabi Finance Week (ADFinanceWeek), an event that fosters innovation and growth in the fintech sector. The 'Best Corporate Solution' category, in which we were victorious, emphasises practical, innovative solutions that address significant corporate financial challenges.

Our award-winning solution, the Pluto Card, addresses various corporate financial management needs. It offers features like employee reimbursements, petty cash management, and an efficient account payable cycle, along with robust accounting integrations. 

Winning the 'Best Corporate Solution' award at the MENA Fintech Awards is not just an honor but also a motivation for our future endeavours. We are excited about our upcoming initiatives, which include further enhancements to the Pluto Card and expanding our market reach to serve more businesses globally.

We extend our deepest gratitude to the organisers of the MENA Fintech Awards and ADFinanceWeek, the judges for recognizing our efforts, and most importantly, our dedicated team and loyal customers. Your support and trust in our solution have been invaluable!

5
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Updates
March 23, 2023

Leen Shami

New

Ramadan Benefits in the Workplace: A Guide to the UAE and MENA Region

The month of Ramadan provides HR Managers with the opportunity to take the initiative in their organization and implement a benefit program for employees and to remind them to support their Muslim colleagues during this holy month.

What are the benefits of implementing a Ramadan employee benefits program?

Employees who observe Ramadan may require special considerations in order to maintain a high level of performance.

The main goal of any corporate environment is to get the best possible results, but this can only be achieved if your team is given a supportive environment.

During Ramadan, HR managers and employers should consider implementing employee benefits programs to ensure that their employees are able to fulfill their religious commitments while feeling supported by their companies.  

By doing so, you will help ensure that every member of your team has access to the resources they need to be productive and successful.

Employee benefits program

Flexible working hours

Allow employees to come in late or leave early during Ramadan, modify their hours so they can work when they feel the most energized,and be able to take part in religious activities such as prayers while still being productive at work.

Remote or hybrid work

Remote or hybrid work can provide employees with more flexibility and autonomy to manage their work and religious obligations during Ramadan, allowing them to maintain their productivity and well-being while observing the holy month's spiritual practices.

Set up dedicated prayer spaces

Having dedicated prayer spaces can help employees maintain their spiritual practices during the workday. This is particularly important during Ramadan when employees may need to perform their daily prayers. Providing these spaces can make it easier for employees to observe their religious obligations without having to leave the workplace or worry about finding a suitable location to pray.

Accommodate dietary needs

Provide employees with food options that meets all dietary needs, so they can break their fast at the office if needed.

Examples of foods that are commonly used to break the fast:

  • Dates
  • Dried fruits
  • Ayran (yogurt drink)
  • Soups
  • Sambusak ( pastry filled with cheese or meat)

Inclusivity

 Promote open dialogue between employees of different faiths to foster an inclusive workplace environment. Consider arranging a presentation for those who would like to learn more about Ramadan and Islam.

Gift and Bonus Programs

Corporate gift and bonus programs during Ramadan can take many forms, but the underlying purpose is to show appreciation to employees for their efforts and to strengthen the relationship between the employer and employees.

Here are some common examples of corporate gift and bonus programs during Ramadan:

Eid al-Fitr bonus

It could be an additional incentive where employers give their employees an additional payment or bonus at the end of Ramadan to celebrate Eid al-Fitr, which marks the end of the month of fasting.

Corporate gifts

Companies may offer gifts such as food hampers, prayer mats, and other religious items to their employees during Ramadan as a way to show appreciation and respect for their faith.

You could also delight your employees with a gift that they can use to enjoy dinner with their families. One way of doing this is by issuing Pluto corporate cards for your employees with an allocated budget on them. For e.g., you can issue a your employee a Pluto corporate card with a 500 AED spend limit to be used a restaurant of their choice.

Charitable donations

Some companies may choose to make charitable donations on behalf of their employees during Ramadan as a way to give back to the community and show solidarity with those in need.

You can add on to that by giving your employees the opportunity to pick what charity they would like the company to donate to.

It's worth noting that corporate gift and bonus programs during Ramadan should not be seen as an obligation or a substitute for fair compensation and benefits throughout the year. Rather, they are a way to show appreciation and strengthen the relationship between employer and employees.

Iftar and Suhoor Programs

Iftar and Suhoor are the two main meals that Muslims consume during Ramadan. 

Iftar is the meal that is eaten after breaking the fast at sunset, while suhoor is the pre-dawn meal that is eaten before the fast begins.

These meals have significant cultural and religious importance, and hosting iftar and suhoor programs can provide a sense of community and inclusivity in the workplace during Ramadan.

Importance of iftar and suhoor programs

Iftar and suhoor programs provide the opportunity for employees to come together and share in the spiritual significance of Ramadan.

These types of activities are also beneficial for team building, as they create an atmosphere of camaraderie among colleagues and foster a stronger work culture.

Its importance can be categorized into three main points:

  1. Connection: Sharing a meal with colleagues can help to strengthen connections and build relationships, fostering a sense of community in the workplace.
  2. Cultural awareness: Hosting iftar and suhoor programs can provide an opportunity for employees of different backgrounds and faiths to learn about Ramadan and its traditions.
  3. Appreciation: Providing meals for employees during these times shows that the company values and appreciates its employees and their religious beliefs.

Examples of iftar and suhoor programs for employees and how to host one:

  • Potluck iftar: Organize a potluck iftar at the office, where employees bring their favorite dish to share with their colleagues.
  • Company-sponsored iftar: Host an iftar event at a restaurant,  where the company provides food and drinks for employees to break their fast [see list of recommended restaurants below].
  • Virtual iftar: For remote workers or those who cannot attend in person, host a virtual iftar.
  • Charity iftar: Host an iftar event where a portion of the proceeds goes to a charity or non-profit organization. (Please make sure you are in line with UAE charity regulations before doing so. Learn more here)
  • Catered iftar: Hire a catering company to provide a full meal for employees to break their fast [see list of recommended catering companies below].
  • Suhoor breakfast: Host a breakfast event before the start of the workday for employees who are fasting.
  • Iftar meal delivery: Deliver meals to employees who are working late or unable to attend the in-person event.
  • Ramadan decorations: Decorate the workplace with Ramadan-themed decorations to create a festive atmosphere.
  • Ramadan trivia: Host a trivia game related to Ramadan and its traditions during the iftar or suhoor event.
  • Ramadan volunteer day: Organize a volunteer day where employees can give back to the community during the month of Ramadan.

Prayer programs

Observing taraweeh and Laylat al-Qadr during Ramadan helps Muslims to deepen their faith and spirituality, and it provides an opportunity to reflect on their actions and intentions throughout the year.

An employee prayer program during Ramadan can have numerous benefits for companies and their employees, including promoting diversity and inclusion, improving morale and relationships, and fulfilling social responsibility.

Taraweeh

Taraweeh prayers are additional prayers that Muslims perform during the holy month of Ramadan after the Isha prayer. These prayers are performed in congregation and typically consist of 8 to 20 cycles of prayer, depending on the tradition.

Companies can host taraweeh prayers at a mosque or the office on specific days of the week, such as Tuesdays, to create a sense of belonging and inclusivity among employees.

Laylet al-Qadr

Laylat al-Qadr, also known as the Night of Power, is considered to be one of the holiest nights in Islam. It is believed to be the night when the first verses of the Quran were revealed to the Prophet Muhammad, and it is said to be a night of forgiveness and mercy.

With laylat al-qadr being the most important night of Ramadan, it is important for your company to offer benefits during this day, such as:

  • Consider giving the following day as PTO, since most Muslims stay up all night in prayer and reflection.
  • Offer a transportation stipend to the mosque in order to show the company’s support of their employees religious beliefs.
  • You can do so using Pluto’s platform by offereing a one-time purchase card with a set limit that can only be used with taxis, Careems, Uber or for gas.

Ramadan email templates that can be shared with employees

There is a lot to take care of when preparing for Ramadan. We've put together some sample email templates for various corporate initiatives to make your job easier.

Email Template 1: Announcing flexible working hours during Ramadan

Subject: Ramadan Working Hours

Dear [Employee Name],

As the holy month of Ramadan approaches, we would like to inform you that we will be implementing flexible working hours during this time to accommodate those who will be observing the fast.

Our office will be open from [start time] to [end time]. We understand that some employees may need to adjust their schedules due to the early morning and evening prayers, as well as breaking their fast in the evenings.

If you need to adjust your working hours, please speak to your line manager, who will be happy to discuss the best option for you.

Our company values diversity and inclusivity, and we hope that this initiative will help our employees observe Ramadan comfortably.

We wish all our staff observing Ramadan a blessed month, and may you get the best out of this spiritual journey.

Ramadan Mubarak!

Best regards,

[Your Name]

Email Template 2: Announcing company charitable donations during Ramadan

Subject: Ramadan Charitable Donations

Dear [Employee Name],

As we approach the holy month of Ramadan, we would like to remind you that our company values generosity and charitable giving. In line with this, we have decided to make a donation to [charity name], which supports [cause].

We believe that this is a great opportunity to give back to those in need and demonstrate our commitment to making a positive impact in the community. We hope that this donation will inspire you to consider making a charitable contribution during this holy month.

Thank you for being part of our company, and we wish you a blessed Ramadan.

Best regards,

[Your Name]

Email Template 3: Inviting employees to an Iftar meal

Subject: [Company Name] invites you  to an Iftar Meal

Dear [Employee Name],

We would like to invite you to an Iftar meal on [date and time], which will be held at [location]. This event is an opportunity for our employees to come together and break their fasts as a community.

Please RSVP to [email/phone number] by [RSVP deadline] to confirm your attendance. If you have any dietary requirements, please let us know, and we will do our best to accommodate them.

We hope that this event will be an enjoyable experience for everyone and that it will help to strengthen our company culture.

Thank you for your hard work and dedication, and we wish you a blessed Ramadan.

Best regards,

[Your Name]

Corporate gifting list

Iftar or suhoor restaurant list

  • Asateer Tent at Atlantis the Palm
  • Sufra
  • The Majlis
  • Allo Beirut
  • Hutong
  • Terrace on the Corniche at St. Regis Abu Dhabi
  • The Royal Majlis
  • Eunoia By Carine
  • Bombay Bungalow
  • Brasserie Boulud
  • Ibn AlBahr
  • Al Falak Ballroom
  • Karam Al Bahr

Company catering list

  • Ogram
  • Blast catering
  • Eat catering
  • The Majlis
  • Dish

Conclusion

Ultimately, providing Ramadan benefits demonstrates an employer and HR's commitment to promoting diversity and religious freedom in the workplace.

It also helps create a sense of community among employees that can lead to increased morale, collaboration, communication, and overall productivity.

By offering an employee benefits program during the holy month of Ramadan, employers can show their dedication to creating a supportive and inclusive environment for all of their employees, regardless of faith or background.

Ramadan benefits can thus be an important part of workplace culture, helping to create a positive atmosphere in which everyone feels welcome, respected, and valued.

5
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Updates
May 26, 2022

Leen Shami

We got funded!

We're thrilled to announce that Pluto closed US$6M in Seed funding in February, led by Global Founders Capital.

With GFC being the lead investors, we've had participation from several of the world's leading investment firms and entrepreneurs. Soma Capital, Graph Ventures, Adapt Ventures, Ramp, Thejo Kote (Founder of Airbase), Shaan Puri, and William Hockey (Co-founder of Plaid) were some of the few who participated.

With our Seed round, we aim to get closer to achieving our mission; to streamline company expenses for MENA businesses. 

The problem

Company spending in the MENA region is problematic, time-consuming, and frustrating. Managing company spending in MENA today is difficult, time-consuming, and frustrating, as today, companies only get a single debit or credit card.

OTPs

Today, employees all share one company credit card, which usually leads to an OTP being sent to the CFO, financial leader, or founder of the company. Most bank OTPs last from 2 to 10 minutes before they’re expired. So, if an employee doesn’t get the OTP in time, they won’t be able to complete the transaction.

Overspending

When a company credit card is issued, you cannot control spending. This means there is no way to set limits on the card to avoid being overcharged by recurring subscriptions or employees going over budget.

No visibility

You cannot get real-time visibility or instant reports on business expenses with company credit cards. This makes making informed decisions about allocating resources in real-time more challenging.

Petty cash

Banks have no ideal solution for petty cash management. Companies typically maintain a cash vault at their offices, distribute loose cash to employees, and spend countless hours collecting and matching invoices.

The solution

Introducing Pluto Card: a corporate card & spend management platform that allows MENA companies to simplify and control their business expenses.

With Pluto's software, managers can issue their employees virtual cards with spend and control limits, cards that get canceled after a one-time purchase, and cards with a recurring daily, weekly, or monthly budget.

Employees can request expenses from their managers and submit reimbursement requests by dragging and dropping receipts onto the software. This happens in real-time, where managers can view employee requests as they happen, see what is being spent and where, and gain insight into instantaneous expense reports, helping them make informed decisions.

Pretty straightforward.

Want to see Pluto in action? Sign up and get a private demo here.

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