KongaPay vs Swwipe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KongaPay
This mobile wallet simplifies payments, transfers, and savings. It offers instant money transfers, bill payments, and tools for businesses. Earn rewards on savings and enjoy discounts on purchases.
- Instant money transfers
- Bill and subscription payments
- Savings with interest
- Loyalty rewards on balance
- Discounts on Konga.com
- Business tools for vendors
Read full descriptionHide full description
KongaPay is Nigeria’s all-in-one mobile wallet designed to make payments simple, secure, and seamless from instant transfers to bill payments, savings, and business tools. KongaPay gives you total control of your money. What You Can Do With KongaPay: - Send & Receive Money Instantly: Transfer funds conveniently with high success rates and no failed transactions. - Pay Bills, Subscriptions & More: Settle airtime, data, electricity, and cable bills all in one tap. - Save with K-Save: Fix your income and grow your money effortlessly. Earning up to 24% per annum. - Loyalty Rewards: Earn 6% per annum on your wallet balance with no minimum balance. - Shop & Pay on Konga.com with Discounts: Get frequent discounts when you pay with KongaPay on Konga.com. It's smart and secure shopping. - Safe, Simple & Trusted: KongaPay is licensed by the Central Bank of Nigeria (CBN) and insured by - Go Pro Feature: Unlock tools made for small businesses, vendors, and freelancers: Request a POS terminal, create payment links to get paid via card, transfer, or USSD, track your inventory, and increase your daily transfer limits up to ₦25 million. Why Users Love KongaPay: . Fast and reliable transfers . Secure POS access for businesses . Easy-to-use interface for savings and spending . 24/7 customer support . Built for both personal and business needs Download KongaPay today and take complete control of your personal and business finances in one app.
Swwipe
Transform your smartphone into a point-of-sale device to accept payments. This application allows businesses to easily process transactions directly from their mobile device.
- Smartphone POS terminal
- Receive payments
- Mobile transaction processing
- Easy to use
Read full descriptionHide full description
Turn your Smartphone into a POS terminal and start receiving payments
Screenshots
Verdict
The clearest difference is rating: KongaPay at 4.4 against Swwipe's 3.5. KongaPay also leads on update cadence (fortnightly vs every 3 months) and ratings volume (149 vs 2). Swwipe's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, 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.
KongaPay holds the better App Store score, 4.4 against 3.5. That said, the two scores are not equally well evidenced: KongaPay has 149 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 52% of KongaPay's written reviews are positive against 50% of Swwipe's.
KongaPay ships an update fortnightly, Swwipe every 3 months. The most recent releases landed on October 23, 2026 and October 17, 2026 respectively.
| Parameter | KongaPay | Swwipe |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (149 ratings) — better | 3.5 (2 ratings) |
| Positive reviews | 52.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 149 — better | 2 |
| Update frequency | Fortnightly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.6 |
| Further details — not scored | ||
| Size | 103 MB | 63 MB |
| Age rating | 4+ | 17+ |
| Developer | Konga Online Shopping Limited | SWWIPE FINANCIAL SERVICES LIMITED |
Customer experience
KongaPay
Swwipe
In-app purchases
KongaPay
No in-app purchases
Swwipe
No in-app purchases
