Comparison

Plastiq vs TomoCredit

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Pay bills on-the-go
  • Schedule future payments
  • Repeat vendor payments
  • Access documentation
  • Real-time payables visibility
  • Cash flow decision making
Features
Read 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

About

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.

Highlights
  • Up to $30,000 credit line
  • 24 months of bill tracking
  • Instant credit boost
  • Rent reporting
  • AI financial assistant
  • Dispute negative remarks
  • Credit monitoring
Features
Read 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

Plastiq4 screens
TomoCredit4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Plastiq versus TomoCredit: the parameters behind the verdict, then further details
ParameterPlastiqTomoCredit
PriceFreeFree
Rating3.7 (85 ratings) — better3.5 (580 ratings)
Positive reviews43.6% of reviews67.2% of reviews — better
Number of ratings85580 — better
Update frequencyEvery 5 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size54 MB51 MB
Age rating4+4+
DeveloperPlastiq, Inc.TomoCredit Inc

Customer experience

Plastiq

All ratings79 ratings
Positive68.4%
Neutral3.8%
Negative27.8%
Written reviews39 reviews
Positive43.6%
Neutral2.6%
Negative53.8%

TomoCredit

All ratings392 ratings
Positive61.2%
Neutral0.3%
Negative38.5%
Written reviews516 reviews
Positive67.2%
Neutral1.4%
Negative31.4%

User reviews

Plastiq

From 85 App Store ratings

What 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 ratings

What 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 more
  • 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

None

Plastiq

No in-app purchases

None

TomoCredit

No in-app purchases

Questions

Is Plastiq free?
Plastiq is free to download, with no in-app purchases.
Is TomoCredit free?
TomoCredit is free to download, with no in-app purchases.
Which has better reviews, Plastiq or TomoCredit?
Plastiq is rated higher. Plastiq averages 3.7 out of 5 from 85 ratings, while TomoCredit averages 3.5 from 580 ratings.
Do Plastiq or TomoCredit have ads?
Neither Plastiq nor TomoCredit shows ads.
Which is updated more often, Plastiq or TomoCredit?
Plastiq ships an update every 5 weeks, and TomoCredit every 2 weeks. Most recently, Plastiq was updated on November 3, 2026 and TomoCredit on November 8, 2026.

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