Plastiq vs Baselane
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
Baselane
This app offers integrated banking and bookkeeping specifically for real estate investors. It automates financial tasks like rent collection and expense tracking, providing insights for smarter investment decisions.
- Unlimited property-specific accounts
- Automated transaction categorization
- Real-time cash flow insights
- Automated rent collection
- ACH, wire, and check payments
- FDIC insurance up to $3M
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Baselane’s integrated banking and bookkeeping platform automates repetitive, manual financial tasks, so managing money for multiple properties doesn’t get in the way of your weekends. *Trusted by 50,000+ real estate investors* Banking that gets the way real estate works Say goodbye to one-size fits-all banking and get unlimited property-specific accounts for all of your entities under one login • Open unlimited property-specific checking and savings accounts in minutes • FDIC insurance up to $3M1 via Thread Bank • Earn high Annual Percentage Yield (APY)2 on savings • Bank without monthly account maintenance fees or minimum balance requirements Bookkeeping that happens as you bank Ditch manual expense tracking for good. Sync, sort, and report all of your rental property transactions - automatically. • Automatically categorize transactions to a specific property and expense category - AI and auto-tagging rules available via our web app • View all transactions across Baselane and connected accounts and cards in one centralized, organized ledger • Get real-time cash flow insights and tax-ready reports for smarter, faster investing decisions Cash flow on cruise control Get every dollar where (and when) it needs to go without getting in the middle. • Automatically collect rent, late fees, and deposits from Airbnb, VRBO, and Booking.com directly into your Baselane account • Schedule recurring and one-time payments via ACH, wire or check • Save all your payees and vendors to easily send money and make disbursements - - - Baselane is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Baselane Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. 1 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. 2 Total balances across Checking Accounts and Savings Accounts are used to calculate APY tier, but only money in Savings Accounts is eligible for interest. Rates are variable and are subject to change after account opening. An APY bonus is applied to accounts that collect rent via Baselane banking within the prior calendar month.
Screenshots
Verdict
The clearest difference is rating: Baselane at 4.8 against Plastiq's 3.7. Baselane also leads on review sentiment (84% vs 44%) and update cadence (every 10 days vs every 5 weeks). Plastiq's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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.
Baselane holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: Baselane has 725 ratings behind it against 85, so its average is the more settled of the two. Written reviews point the same way: 44% of Plastiq's written reviews are positive against 84% of Baselane's.
Plastiq ships an update every 5 weeks, Baselane every 10 days. Both last shipped on October 24, 2026.
| Parameter | Plastiq | Baselane |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (85 ratings) | 4.8 (725 ratings) — better |
| Positive reviews | 43.6% of reviews | 84.0% of reviews — better |
| Number of ratings | 85 | 725 — better |
| Update frequency | Every 5 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 54 MB | 121 MB |
| Age rating | 4+ | 17+ |
| Developer | Plastiq, Inc. | Baselane |
Customer experience
Plastiq
Baselane
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
Baselane
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Plastiq
No in-app purchases
Baselane
No in-app purchases
Questions
Is Plastiq free?
Is Baselane free?
Which has better reviews, Plastiq or Baselane?
Do Plastiq or Baselane have ads?
Which is updated more often, Plastiq or Baselane?
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