# Swirepay — Pay, Earn and Save

> Instant money transfer and payment service with cashback rewards. (iPhone/iPad app by Swirepay Inc..)

- Source: https://appshunter.io/ios/app/swirepay/id1637926002 (this page in markdown: same URL + `.md`)
- Developer: [Swirepay Inc.](https://appshunter.io/developer/1619088455)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.70/5 from 3 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 126 MB
- Languages: American English
- Released: 2022-11-11
- Data updated: 2026-08-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/swirepay/id1637926002/reviews.md

## What is Swirepay?

Swirepay allows you to send and receive money in real time and earn money via cash back without a need for a new card. Swirepay works with major leading banks and acquirers across the U.S. to help avoid the traditional 2-5 day float from ACH from Card transactions and receive money the same day.

* SEND MONEY AND EARN *
Link your bank account and send money to any vendor or employee along with a descriptive note for easy reconciliation. Use Swirepay to manage your monthly bills, payments and earn up to 1% cashback on all payments sent without a need for a card.

* RECEIVE MONEY *
Avoid those pesky interchange fees for both consumer and business payments while getting money in your bank account on the same day. 

* FAST  *
No more waiting 3-5 days for ACH to clear or 2 business days for card transactions to reach your bank account. Any money received can be sent to your account the same day for a small flat fee up to $10.

* PAY IN STORES *
Swirepay is supported on major POS devices such as Clover so you can simply scan, pay and go.

* PAY ONLINE *
Swirepay helps remove the need for manual checks and float from ACH by simplifying B2B payments for small businesses. Sign up today to send and receive B2B payments the same day while avoiding interchange fees and float.

Swirepay works with major acquirers and banks in the US to facilitate transactions and is PCI Level 1 Certified, the most stringent level of certification available in the payments industry. Please contact support@swirepay.com for any service related queries and letstalk@swirepay.com to learn more.

## Key features

- Send and receive money in real-time
- Earn cashback on payments
- Same-day fund transfers
- Works with major US banks
- Supports POS devices for in-store payments
- Simplifies B2B payments

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/swirepay/id1637926002/reviews.md

### 5/5 — Simple & Easy to Use

*2024-08-02*

Able to view sales on the road and get paid quicker

## Frequently asked questions about Swirepay

### How secure is Swirepay?

Swirepay is PCI Level 1 Certified, which is the most stringent level of certification available in the payments industry, ensuring a high level of security for transactions.

### What is the typical transaction speed with Swirepay?

Swirepay facilitates same-day transfers for money received, bypassing the traditional 2-5 day float from ACH or card transactions. A small flat fee, up to $10, applies for same-day transfers to your account.

### Can I use Swirepay for in-store purchases?

Yes, Swirepay is supported on major POS devices like Clover, allowing you to scan and pay easily in stores.

### What are the benefits of using Swirepay for businesses?

Businesses can simplify B2B payments, send and receive funds the same day, avoid interchange fees and ACH float, and earn up to 1% cashback on payments sent.

### What devices does Swirepay support?

Swirepay is available on iPhone and iPod devices.

### How often is Swirepay updated?

The latest version is 4.8, and the app was last updated on February 26, 2026, indicating regular updates.

### What is the user sentiment for Swirepay?

Swirepay has a high rating of 4.7 stars from 3 ratings, suggesting positive user experiences.

### Does Swirepay have ads?

No, Swirepay does not contain advertisements.

## Version history (last 5 releases)

### 5.3.0 — 2026-08-06

App enhancement and minor bug fixes

### 5.2.0 — 2026-08-03

App enhancement and minor bug fixes

### 5.1.0 — 2026-06-15

App enhancement and minor bug fixes

### 5.0.0 — 2026-06-12

App enhancement and minor bug fixes

### 4.8 — 2026-02-26

App enhancement and minor bug fixes

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## More apps by Swirepay Inc.

- [Swirepay Rewards](https://appshunter.io/ios/app/swirepay-rewards/id6737822631)

All apps by Swirepay Inc.: https://appshunter.io/developer/1619088455

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-10.*