Plastiq vs TomoCredit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Plastiq
This app simplifies business bill payments, allowing users to create, view, and pay invoices securely from any location. It helps manage cash flow effectively and ensures timely payments, even when away from the office.
- Pay bills on-the-go
- Schedule future payments
- Repeat vendor payments
- Access documentation
- Real-time payables visibility
- Cash flow decision making
Read full descriptionHide full description
The Plastiq app gives businesses a simple, secure way to create, view and pay bills from anywhere. Make smart cash flow decisions and keep your business running even when you’re out of office. Manage payables from anywhere and ensure revenue-dependent payments reach their destination on time with Plastiq Pay. Pay bills on–the-go - Pay a bill with 1 tap - Schedule a payment for a future date - Repeat a vendor payment with a tap - Access important documentation instantly - Stay informed with complete visibility into your payables - Make smart cash flow decisions in real time
TomoCredit
This app helps you build and manage your credit score. It offers features like rent reporting, bill tracking, and an AI financial assistant to provide personalized advice and improve your financial health.
- Up to $30,000 credit line
- 24 months of bill tracking
- Instant credit boost
- Rent reporting
- AI financial assistant
- Dispute negative remarks
- Credit monitoring
Read full descriptionHide full description
Build Your Credit with Tomo Unlock your financial potential with Tomo, the ultimate platform for credit building and financial empowerment. Whether you're looking to improve your credit score, manage your bills, or gain deeper insights into your financial health, Tomo has you covered. Key Features: Up to $30,000 Credit Line Access a substantial credit line to enhance your purchasing power and build your credit history. 24 Months of Bill Tracking Keep track of your bills effortlessly and ensure timely payments with our comprehensive bill tracking system. Instant Credit Boost See an immediate improvement in your credit score with our instant credit boost feature. Rent Reporting Get credit for paying your rent on time! Our rent reporting service helps you build credit with your monthly rent payments. AI Financial Assistant Receive personalized financial advice and insights from our AI-powered assistant, guiding you to better financial decisions. Priority Support Enjoy dedicated and priority customer support for all your financial inquiries and issues. In-Depth Credit Report Get a detailed view of your credit profile with our comprehensive credit reports. Dispute Negative Remarks Challenge and remove inaccurate or negative remarks from your credit report with our dispute resolution service. Credit Monitoring Stay on top of your credit with real-time monitoring and alerts for any changes to your credit profile. Support for All Major Bureaus Benefit from our support for all major credit bureaus, ensuring your credit information is accurate and up-to-date. No Hard Credit Pulls Check your credit and utilize our services without any hard inquiries that could negatively impact your credit score. Take control of your financial future with Tomo. Download now and start building a better credit profile today!
Screenshots
Verdict
The clearest difference is review sentiment: TomoCredit at 67% against Plastiq's 44%. TomoCredit also leads on update cadence (every 2 weeks vs every 5 weeks) and ratings volume (580 vs 85). Plastiq's advantage is rating (3.7 vs 3.5). On price, ads, in-app purchases and monetization model 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.
Plastiq holds the better App Store score, 3.7 against 3.5. That said, the two scores are not equally well evidenced: TomoCredit has 580 ratings behind it against 85, so its average is the more settled of the two. Written reviews complicate that: 44% of Plastiq's written reviews are positive against 67% of TomoCredit's, so the app with the better star average is not the one people write more warmly about.
Plastiq ships an update every 5 weeks, TomoCredit every 2 weeks. The most recent releases landed on November 3, 2026 and November 8, 2026 respectively.
| Parameter | Plastiq | TomoCredit |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (85 ratings) — better | 3.5 (580 ratings) |
| Positive reviews | 43.6% of reviews | 67.2% of reviews — better |
| Number of ratings | 85 | 580 — better |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 54 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Plastiq, Inc. | TomoCredit Inc |
Customer experience
Plastiq
TomoCredit
User reviews
Plastiq
From 85 App Store ratingsWhat we love
- 👍 Easy to use and navigate
- 🚀 Powers cash flow and rewards
- 💳 Pay bills with credit cards
- 📱 Manage payables on the go
- ✨ Clean and modern design
Room to improve
- ❌ Payments not made as scheduled
- ❌ Payments canceled for unknown reasons
- ❌ Late fees incurred due to non-payment
- ❌ Refund delays and lack of explanation
- ❌ Difficulty reaching customer support
TomoCredit
From 580 App Store ratingsWhat we love
- 👍 Easy to use
- 💡 Helpful credit consultations
- 🚀 Clean, user-friendly design
- 📈 Effective credit-building tools
- 💰 Bonus cash back feature
Room to improve
- 🚫 Failure to report to major credit bureaus
- 💸 Expensive premium subscription
- 🤖 Lack of responsive customer support
- 🔁 Difficulty canceling subscriptions
- ❌ Unreliable credit score improvements
Bugs and requests
Plastiq
Reported bugs
14 issues- App does not work well, shows error on login
- App does not make scheduled payments
- App canceled payments without reason
- App processing time is 5 business days, then fails
- App payment not received by mortgage company
Show 9 moreShow fewer
- No way to contact customer service through the app
- Live agent chat box shows 'agent not available'
- Customer service number is a voicemail
- App verification code is longer than allowed
- App does not allow creation of new accounts
- App not recognizing connected banks
- App shows a red required button preventing payment submission
- App is inconsistent with check deposit status
- App requires invoice upload unnecessarily
Requested features
2 requests- Add dashboard overview of account
- Make app auto-rotate for iPad use
TomoCredit
Reported bugs
2 issues- App update issues
- Billing and subscription problems
Requested features
3 requests- Improved credit bureau reporting
- More transparent pricing and service details
- Enhanced customer support and communication
In-app purchases
Plastiq
No in-app purchases
TomoCredit
No in-app purchases









