Plastiq vs CIVIC FS
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
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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
CIVIC FS
Manage real estate financing on the go. Track loan status, submit draw requests, and communicate with your team. Streamline your investment projects with this all-in-one mobile tool.
- Track loan status and milestones
- Submit draw requests with photos
- Manage payoffs and extensions
- In-app team messaging
- Real-time project updates
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CIVIC FS: Real Estate Loan Management Made Easy Take control of your real estate financing with the CIVIC FS app — your all-in-one mobile tool for tracking loans, completing draw requests, and managing your investment projects on the go. Whether you're flipping a home, building from the ground up, or holding for rental income, CIVIC FS puts transparency and control in the palm of your hand: * Track Loan Status: View real-time updates, milestones, and key documents for every active loan * Submit Draw Requests: Easily upload photos, track progress, and access funds faster with our SnapDraws feature * Manage Payoffs, Extensions & More: One-tap tools to stay on top of your financing lifecycle * Connect with Your Team: Message your account executive, processor, or draws representative directly in-app * Built for real estate investors, developers, and pros who need speed, clarity, and convenience. Download CIVIC FS and streamline your financing—wherever your deals take you. By using this app, you agree to the [Apple Terms of Use](https://www.apple.com/legal/internet-services/itunes/dev/stdeula/).
Screenshots
Verdict
The clearest difference is rating: CIVIC FS at 5.0 against Plastiq's 3.7. Plastiq's advantage is ratings volume (85 vs 1). On price, update cadence, 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.
CIVIC FS holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: Plastiq has 85 ratings behind it against 1, so its average is the more settled of the two.
Plastiq ships an update every 5 weeks, CIVIC FS every 3 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.
| Parameter | Plastiq | CIVIC FS |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (85 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 43.6% of reviews | — |
| Number of ratings | 85 — better | 1 |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 54 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Plastiq, Inc. | Private Lender Portal LLC |
Customer experience
Plastiq
CIVIC FS
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
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- 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
CIVIC FS
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Plastiq
No in-app purchases
CIVIC FS
No in-app purchases
Questions
Is Plastiq free?
Is CIVIC FS free?
Which has better reviews, Plastiq or CIVIC FS?
Do Plastiq or CIVIC FS have ads?
Which is updated more often, Plastiq or CIVIC FS?
Other comparisons
