FOMO Pay vs Swirepay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FOMO Pay
This app provides businesses with a unified QR code payment solution, enabling them to accept payments from various mobile wallets like NETS and WeChat in real-time. Merchants can manage transactions, receive alerts, and view settlement details on the go.
- Accept NETS, WeChat Pay, and other QR code payments
- Real-time transaction processing
- Push and audio transaction alerts
- Void/refund transactions
- View transaction history
- Check settlement amounts and dates
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• Winner of Singapore FinTech Awards 2017 by Monetary Authority of Singapore (MAS) • Winner of Open Innovation Contest 7.0 by NTT DATA • Winner of the Best FinTech Company by Cards & Payment 2017 Are you a business owner and want to accept QR code payment like NETS and WeChat from your customers? We provide one-stop QR code payment solution at a minimum cost and the fastest integration. FOMO Pay Merchant App is a backend management mobile app providing FOMO Pay merchants with following key features: -Receive payment from mobile wallet users in real-time, including NETS QR, WeChat Pay, Baidu Wallet, BestPay, etc. -Receive push notification and audio alert when a new transaction occurs. -Void/refund a transaction if admin access is assigned. -Check past transaction history on the go. -See next settlement amount and the date to expect. -View previous settlements. Please drop us an email at enquiry@fomopay.com for instant account opening to receive payment!
Swirepay
Send and receive money instantly, earning cashback on payments without needing a new card. This service works with major US banks to bypass traditional delays, allowing same-day fund transfers and payments.
- 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
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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.
Screenshots
Verdict
The clearest difference is rating: FOMO Pay at 5.0 against Swirepay's 4.7. FOMO Pay also leads on update cadence (weekly vs every 3 weeks) and iOS requirement (8.0 vs 15.6). Swirepay's advantage is ratings volume (3 vs 1). On price, ads, in-app purchases and monetization model 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.
FOMO Pay holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 1 and 3 respectively.
FOMO Pay ships an update weekly, Swirepay every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | FOMO Pay | Swirepay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.7 (3 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 3 — better |
| Update frequency | Weekly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 8.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 35 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | FOMO PAY PTE. LTD. | Swirepay Inc. |
Customer experience
FOMO Pay
Swirepay
In-app purchases
FOMO Pay
No in-app purchases
Swirepay
No in-app purchases









