Payment Form vs Citizens Cash Flow Essentials™
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payment Form
Create and share payment links to receive electronic payments directly into your business checking account. This tool simplifies the process of getting paid by customers anywhere.
- Create shareable payment links
- Receive electronic payments
- Direct deposit to business account
- Customer payment facilitation
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Payment Form is a payment link you can share with your customers anywhere, to let them pay electronically — directly into your business checking account.
Citizens Cash Flow Essentials™
Manage your business finances with this digital banking platform. Access real-time information, make seamless payments, and utilize practical tools for informed decision-making. Services include ACH credits, wire origination, loan payments, and mobile check deposits.
- Real-time financial information
- Seamless payment functionality
- ACH credit payments
- Wire origination
- Mobile check deposits
- Bill pay and reporting
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Citizens Cash Flow Essentials™ is a digital simple, online and mobile banking platform and payment suite. It provides access to real-time information, seamless payment functionality and practical tools to help customers meet daily cash flow requirements and make well-informed business decisions. Services offered through Citizens Cash Flow Essentials™ may consist of, but are not limited to, the following: real-time payments, domestic ACH credit payments, wire origination, Citizens business loan payments and draws, unlimited mobile check deposits, stop payments, internal account transfers, bill pay, and reporting.
Screenshots
Verdict
The clearest difference is review sentiment: Citizens Cash Flow Essentials™ at 100% against Payment Form's 33%. Payment Form's advantage is rating (3.7 vs 3.1) and update cadence (weekly vs every 7 months). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Payment Form holds the better App Store score, 3.7 against 3.1. Both are backed by a comparable volume of ratings — 15 and 7 respectively. Written reviews complicate that: 33% of Payment Form's written reviews are positive against 100% of Citizens Cash Flow Essentials™'s, so the app with the better star average is not the one people write more warmly about.
Payment Form ships an update weekly, Citizens Cash Flow Essentials™ every 7 months. Both last shipped on October 24, 2026.
| Parameter | Payment Form | Citizens Cash Flow Essentials™ |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (15 ratings) — better | 3.1 (7 ratings) |
| Positive reviews | 33.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 15 — better | 7 |
| Update frequency | Weekly — better | Every 7 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 10.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 85 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | Autobooks, Inc | Citizens Bank, N.A. |
Customer experience
Payment Form
Citizens Cash Flow Essentials™
In-app purchases
Payment Form
No in-app purchases
Citizens Cash Flow Essentials™
No in-app purchases
Questions
Is Payment Form free?
Is Citizens Cash Flow Essentials™ free?
Which has better reviews, Payment Form or Citizens Cash Flow Essentials™?
Do Payment Form or Citizens Cash Flow Essentials™ have ads?
Which is updated more often, Payment Form or Citizens Cash Flow Essentials™?
Other comparisons
