# Plastiq vs TomoCredit

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.

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.

## The numbers

| Metric | Plastiq | TomoCredit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (85 ratings)](https://appshunter.io/ios/app/plastiq/id1594208960/reviews)** | [3.5 (580 ratings)](https://appshunter.io/ios/app/tomocredit/id6504301873/reviews) |
| Number of ratings | 85 | **580** |
| Positive reviews | 43.6% of reviews | **67.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 54 MB | 51 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Plastiq, Inc.](https://appshunter.io/developer/1092294705) | [TomoCredit Inc](https://appshunter.io/developer/1481385909) |

## What reviewers say

### Plastiq

[App page](https://appshunter.io/ios/app/plastiq/id1594208960)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and navigate
- 🚀 Powers cash flow and rewards
- 💳 Pay bills with credit cards
- 📱 Manage payables on the go
- ✨ Clean and modern design

**What reviewers complain about**

- ❌ 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

**Reported bugs**

- 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

**Requested features**

- Add dashboard overview of account
- Make app auto-rotate for iPad use


### TomoCredit

[App page](https://appshunter.io/ios/app/tomocredit/id6504301873)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💡 Helpful credit consultations
- 🚀 Clean, user-friendly design
- 📈 Effective credit-building tools
- 💰 Bonus cash back feature

**What reviewers complain about**

- 🚫 Failure to report to major credit bureaus
- 💸 Expensive premium subscription
- 🤖 Lack of responsive customer support
- 🔁 Difficulty canceling subscriptions
- ❌ Unreliable credit score improvements

**Reported bugs**

- App update issues
- Billing and subscription problems

**Requested features**

- Improved credit bureau reporting
- More transparent pricing and service details
- Enhanced customer support and communication


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