# Kuto Pay vs Swirepay

Kuto Pay and Swirepay both sit at 4.5 stars, but that hides the real split: 100% of Swirepay's written reviews are positive against 80% of Kuto Pay's. Kuto Pay's advantage is ratings volume (60 vs 3) and update cadence (every 9 days vs every 3 weeks). On price, rating, ads and in-app purchases there is nothing between them.

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

Swirepay holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: Kuto Pay has 60 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 80% of Kuto Pay's written reviews are positive against 100% of Swirepay's.

Kuto Pay ships an update every 9 days, Swirepay every 3 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Kuto Pay | Swirepay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (60 ratings)](https://appshunter.io/ios/app/kuto-pay/id1532002523/reviews) | **[4.7 (3 ratings)](https://appshunter.io/ios/app/swirepay/id1637926002/reviews)** |
| Number of ratings | **60** | 3 |
| Positive reviews | 80.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 20 MB | 126 MB |
| Requires iOS | **12.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Enlight LLC](https://appshunter.io/developer/1216484570) | [Swirepay Inc.](https://appshunter.io/developer/1619088455) |

## What reviewers say

### Kuto Pay

[App page](https://appshunter.io/ios/app/kuto-pay/id1532002523)

This app offers a novel payment method, allowing users to pay with just their name at select establishments. It provides a streamlined and convenient alternative to traditional payment methods.

**Highlights:** Pay with your name, Participating locations, Streamlined payment

**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 Kuto Pay free?

Kuto 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, Kuto Pay or Swirepay?

Swirepay is rated higher. Kuto Pay averages 4.5 out of 5 from 60 ratings, while Swirepay averages 4.7 from 3 ratings.

### Do Kuto Pay or Swirepay have ads?

Neither Kuto Pay nor Swirepay shows ads.

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

Kuto Pay ships an update every 9 days, and Swirepay every 3 weeks. Most recently, Kuto Pay was updated on October 23, 2026 and Swirepay on October 24, 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.*