VLoad Cards vs Swirepay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VLoad Cards
This app offers secure, private, and one-time-use digital cards for online shopping, gaming deposits, and subscription payments. Easily fund your accounts and manage payouts with unique PINs for each transaction.
- One-time use digital cards
- Unique PIN for checkout
- Online gaming deposits
- Subscription payments
- Secure online shopping
- ACH transfer for payouts
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VLOAD PRODUCT OVERVIEW: VLoad is an innovative, online-only prepaid "Digital Card" that provides industry-leading privacy and security so you can safely and securely shop at your favorite online merchants. You can easily buy VLoad Digital Cards using a credit/debit card, wire transfer, Open Banking (ACH), and soon cash. VLoad: A Safer Way to Pay Each VLoad Digital Card is one-time use only and contains a unique PIN, which is entered at checkout with any online merchant that accepts VLoad. Each VLoad Digital Card you purchase will appear in the "My Cards" section of the app and in your account when you sign in at https://vloadcards.com . We will also email you a copy each time you buy VLoad. Make Online Deposits and Collect Payouts at your favorite betting sites using VLoad! Use VLoad to load your account at your favorite online gaming website or brokerage platform. You can then cash out your winnings using a VLoad Payout Digital Card, which can be used to continue shopping in our Merchant Network or transfer the balance to your bank account using ACH transfer including Real Time Payments. Online Subscriptions You can also use your VLoad Digital Cards for recurring, subscription-based e-commerce payments. Simply enter the name of the merchant to determine whether a subscription is available, select a plan and duration, and purchase your VLoad Digital Card. Your entertainment subscription is ready to go! Terms and conditions apply; see VLoad Account Agreement for details. VLoad Digital Cards are issued by Metropolitan Commercial Bank of New York and by Global Primex LLC.
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 rating: VLoad Cards at 5.0 against Swirepay's 4.7. VLoad Cards also leads on iOS requirement (12.0 vs 15.6). Swirepay's advantage is ratings volume (3 vs 1). On price, update cadence, 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.
VLoad Cards holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 1 and 3 respectively.
VLoad Cards ships an update every 6 weeks, Swirepay every 3 weeks. Both last shipped on November 3, 2026.
| Parameter | VLoad Cards | Swirepay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.7 (3 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 3 — better |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 152 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | Global Primex LLC | Swirepay Inc. |
Customer experience
VLoad Cards
Swirepay
In-app purchases
VLoad Cards
No in-app purchases
Swirepay
No in-app purchases








