# Plastiq vs CIVIC FS

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.

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.

## The numbers

| Metric | Plastiq | CIVIC FS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (85 ratings)](https://appshunter.io/ios/app/plastiq/id1594208960/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/civic-fs/id6749899152/reviews)** |
| Number of ratings | **85** | 1 |
| Positive reviews | 43.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 54 MB | 30 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Plastiq, Inc.](https://appshunter.io/developer/1092294705) | [Private Lender Portal LLC](https://appshunter.io/developer/1694061022) |

## 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


### CIVIC FS

[App page](https://appshunter.io/ios/app/civic-fs/id6749899152)

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.

**Highlights:** Track loan status and milestones, Submit draw requests with photos, Manage payoffs and extensions, In-app team messaging, Real-time project updates

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Plastiq free?

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

### Is CIVIC FS free?

CIVIC FS is free to download, with no in-app purchases.

### Which has better reviews, Plastiq or CIVIC FS?

CIVIC FS is rated higher. Plastiq averages 3.7 out of 5 from 85 ratings, while CIVIC FS averages 5.0 from 1 ratings.

### Do Plastiq or CIVIC FS have ads?

Neither Plastiq nor CIVIC FS shows ads.

### Which is updated more often, Plastiq or CIVIC FS?

Plastiq ships an update every 5 weeks, and CIVIC FS every 3 weeks. Most recently, Plastiq was updated on November 3, 2026 and CIVIC FS on November 5, 2026.

---

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