Comparison

UTA Pay vs Swirepay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Remote Deposit Capture
  • Traditional Check Guarantee
  • ACH Processing
  • Credit Card Processing
  • 24/7 Payment Acceptance
  • Mobile Deposit
Features
Read full description

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.

About

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.

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
Read full description

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

UTA Pay4 screens
Swirepay4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

UTA Pay ships an update every 4 months, Swirepay every 3 weeks. Both last shipped on November 3, 2026.

Scorecard3 real differences · 7 level
UTA Pay versus Swirepay: the parameters behind the verdict, then further details
ParameterUTA PaySwirepay
PriceFreeFree
Rating5.0 (3 ratings) — better4.7 (3 ratings)
Positive reviews—100.0% of reviews
Number of ratings33
Update frequencyEvery 4 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better15.6
Further details — not scored
Size38 MB126 MB
Age rating4+4+
DeveloperUnited TranzActions, LLCSwirepay Inc.

Customer experience

UTA Pay

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Swirepay

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

UTA Pay

No in-app purchases

None

Swirepay

No in-app purchases

Questions

Is UTA Pay free?
UTA 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, UTA Pay or Swirepay?
UTA Pay is rated higher. UTA Pay averages 5.0 out of 5 from 3 ratings, while Swirepay averages 4.7 from 3 ratings.
Do UTA Pay or Swirepay have ads?
Neither UTA Pay nor Swirepay shows ads.
Which is updated more often, UTA Pay or Swirepay?
UTA Pay ships an update every 4 months, and Swirepay every 3 weeks. Most recently, UTA Pay was updated on November 3, 2026 and Swirepay on November 3, 2026.

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