Chaingapp vs Swirepay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Chaingapp
This app facilitates seamless cash-to-digital exchanges, eliminating the need for physical change. It enables micro-savings and digital payment solutions for both consumers and merchants, streamlining transactions and reducing reliance on physical currency.
- Cash to digital exchange
- Micro-savings
- Digital change dispensing for merchants
- Fast signup
- No maintenance fees
- Secure and reliable payments
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Chaingapp is a cash to digital exchange solution. No need to roundup your change and no need to have coins scattered all over your purse and dangling in your pocket all day. No exact change is required for cash purchase. This helps you with micro-savings and investing with loose change you would normally drop under the couch, car seat or in your laundry. As a merchant, there is no need for physical bank trips for coins or notes to give change. Whenever you run out of coins to give, simply transfer funds from your linked account and start dispensing change digitally. That 2.5 extra seconds it takes to give physical change can be cut in half, saving you time and adding more value to your business and customers in the long run. Chaingapp is a free app that allows users to get their change paid digitally. It is a safe, secure and reliable mobile payment solution. What's great about Chaingapp? Chaingapp gives you a Simple, Fast, Secured and Reliable app. It helps you as a merchant, reduce your bank visits. Also signing up takes less than a few minutes and there are no maintenance fees. Chaingapp also helps you save for a rainy day. By joining, no more contact with cash. How does it work? Chaingapp works in three easy steps: Download and signup for Chaingapp in a matter of minutes. The signup process is simple and fast so you can start scanning and accept your change right away. As a merchant, Chaingapp also works in three easy steps: Just download the app and signup for a business account in minutes, scan and start dispensing change right away.
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 Chaingapp's every 6 months. Chaingapp's advantage is rating (5.0 vs 4.7) and iOS requirement (12.4 vs 15.6). On price, review sentiment, ratings volume and ads 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.
Chaingapp holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 3 and 3 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Chaingapp ships an update every 6 months, Swirepay every 3 weeks. The most recent releases landed on June 28, 2026 and September 10, 2026 respectively.
| Parameter | Chaingapp | Swirepay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | 4.7 (3 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 3 | 3 |
| Update frequency | Every 6 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 | 12.4 — better | 15.6 |
| Further details — not scored | ||
| Size | 20 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | Chaingapp Inc | Swirepay Inc. |
Customer experience
Chaingapp
Swirepay
In-app purchases
Chaingapp
No in-app purchases
Swirepay
No in-app purchases








