UTA Pay vs Swirepay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UTA Pay
Accept and deposit company payments on the go with this mobile solution. It offers remote deposit capture, check guarantee, ACH processing, and credit card processing, all accessible 24/7 from your tablet or phone.
- Remote Deposit Capture
- Traditional Check Guarantee
- ACH Processing
- Credit Card Processing
- 24/7 Payment Acceptance
- Mobile Deposit
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Process and deposit your company’s payments anytime, anywhere, 24/7 with UTA’s Mobile payment acceptance solution. Take advantage of all of the benefits that UTA’s payment acceptance solution has to offer, including Remote Deposit Capture (with Guarantee Settlement), Traditional Check Guarantee, ACH processing (with Guarantee Settlement), and Credit Card processing all from the convenience of your tablet or mobile device.
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 update cadence: Swirepay at every 3 weeks against UTA Pay's every 4 months. UTA Pay's advantage is rating (5.0 vs 4.7) and iOS requirement (12.0 vs 15.6). On price, ratings volume, 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.
UTA Pay holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 3 and 3 respectively.
UTA Pay ships an update every 4 months, Swirepay every 3 weeks. Both last shipped on November 3, 2026.
| Parameter | UTA Pay | Swirepay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | 4.7 (3 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 3 | 3 |
| Update frequency | Every 4 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 38 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | United TranzActions, LLC | Swirepay Inc. |
Customer experience
UTA Pay
Swirepay
In-app purchases
UTA Pay
No in-app purchases
Swirepay
No in-app purchases









