# FOMO Pay vs Swirepay

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.

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.

## The numbers

| Metric | FOMO Pay | Swirepay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/fomo-pay/id1121791220/reviews)** | [4.7 (3 ratings)](https://appshunter.io/ios/app/swirepay/id1637926002/reviews) |
| Number of ratings | 1 | **3** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 35 MB | 126 MB |
| Requires iOS | **8.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [FOMO PAY PTE. LTD.](https://appshunter.io/developer/1121791219) | [Swirepay Inc.](https://appshunter.io/developer/1619088455) |

## What reviewers say

### FOMO Pay

[App page](https://appshunter.io/ios/app/fomo-pay/id1121791220)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Swirepay

[App page](https://appshunter.io/ios/app/swirepay/id1637926002)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is FOMO Pay free?

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

### Is Swirepay free?

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

### Which has better reviews, FOMO Pay or Swirepay?

FOMO Pay is rated higher. FOMO Pay averages 5.0 out of 5 from 1 ratings, while Swirepay averages 4.7 from 3 ratings.

### Do FOMO Pay or Swirepay have ads?

Neither FOMO Pay nor Swirepay shows ads.

### Which is updated more often, FOMO Pay or Swirepay?

FOMO Pay ships an update weekly, and Swirepay every 3 weeks. Most recently, FOMO Pay was updated on November 2, 2026 and Swirepay on November 3, 2026.

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