# Payment Form vs Citizens Cash Flow Essentials™

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.

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.

## The numbers

| Metric | Payment Form | Citizens Cash Flow Essentials™ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (15 ratings)](https://appshunter.io/ios/app/payment-form/id1538608692/reviews)** | [3.1 (7 ratings)](https://appshunter.io/ios/app/citizens-cash-flow-essentials/id1642802239/reviews) |
| Number of ratings | **15** | 7 |
| Positive reviews | 33.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 7 months |
| Monetization | Free | Free |
| Size | 85 MB | 20 MB |
| Requires iOS | **10.0** | 12.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Autobooks, Inc](https://appshunter.io/developer/1538608694) | [Citizens Bank, N.A.](https://appshunter.io/developer/388082491) |

## What reviewers say

### Payment Form

[App page](https://appshunter.io/ios/app/payment-form/id1538608692)

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.

**Highlights:** Create shareable payment links, Receive electronic payments, Direct deposit to business account, Customer payment facilitation

**In-app purchases:** none


### Citizens Cash Flow Essentials™

[App page](https://appshunter.io/ios/app/citizens-cash-flow-essentials/id1642802239)

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.

**Highlights:** Real-time financial information, Seamless payment functionality, ACH credit payments, Wire origination, Mobile check deposits, Bill pay and reporting

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Payment Form free?

Payment Form is free to download, with no in-app purchases.

### Is Citizens Cash Flow Essentials™ free?

Citizens Cash Flow Essentials™ is free to download, with no in-app purchases.

### Which has better reviews, Payment Form or Citizens Cash Flow Essentials™?

Payment Form is rated higher. Payment Form averages 3.7 out of 5 from 15 ratings, while Citizens Cash Flow Essentials™ averages 3.1 from 7 ratings.

### Do Payment Form or Citizens Cash Flow Essentials™ have ads?

Neither Payment Form nor Citizens Cash Flow Essentials™ shows ads.

### Which is updated more often, Payment Form or Citizens Cash Flow Essentials™?

Payment Form ships an update weekly, and Citizens Cash Flow Essentials™ every 7 months. Most recently, Payment Form was updated on October 24, 2026 and Citizens Cash Flow Essentials™ on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*