Comparison

Zoompay vs Swirepay

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

Head to head
About

Zoompay

This application simplifies finding, contacting, and paying vendors. Users can easily request or send invoices, and professionals can register to collect payments electronically for services rendered.

Highlights
  • Find vendors
  • Contact vendors
  • Send invoices
  • Request invoices
  • Electronic payments
  • Vendor registration
Features
Read full description

Zoom Pay allows users to find, contact and pay vendors. Simply request an invoice or send an invoice. Do a job for someone? Register your account and begin collecting electronically for all your hard work! https://myzoompay.com/terms-conditions/ https://myzoompay.com/privacy-policy/

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

Zoompay4 screens
Swirepay4 screens

Verdict

The call

The clearest difference is rating: Swirepay at 4.7 against Zoompay's 3.2. Swirepay also leads on review sentiment (100% vs 64%). Zoompay's advantage is update cadence (weekly vs every 3 weeks) and ratings volume (15 vs 3). On price, ads, in-app purchases and monetization model 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

Swirepay holds the better App Store score, 4.7 against 3.2. That said, the two scores are not equally well evidenced: Zoompay has 15 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 64% of Zoompay's written reviews are positive against 100% of Swirepay's.

UpkeepUpdate frequency

Zoompay ships an update weekly, Swirepay every 3 weeks. The most recent releases landed on July 5, 2026 and September 10, 2026 respectively.

Scorecard4 real differences · 6 level
Zoompay versus Swirepay: the parameters behind the verdict, then further details
ParameterZoompaySwirepay
PriceFreeFree
Rating3.2 (15 ratings)4.7 (3 ratings) — better
Positive reviews63.6% of reviews100.0% of reviews — better
Number of ratings15 — better3
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size37 MB126 MB
Age rating4+4+
DeveloperSpencer BosticSwirepay Inc.

Customer experience

Zoompay

All ratings15 ratings
Positive53.3%
Neutral6.7%
Negative40.0%
Written reviews11 reviews
Positive63.6%
Neutral9.1%
Negative27.3%

Swirepay

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

In-app purchases

None

Zoompay

No in-app purchases

None

Swirepay

No in-app purchases

Questions

Is Zoompay free?
Zoompay 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, Zoompay or Swirepay?
Swirepay is rated higher. Zoompay averages 3.2 out of 5 from 15 ratings, while Swirepay averages 4.7 from 3 ratings.
Do Zoompay or Swirepay have ads?
Neither Zoompay nor Swirepay shows ads.
Which is updated more often, Zoompay or Swirepay?
Zoompay ships an update weekly, and Swirepay every 3 weeks. Most recently, Zoompay was updated on July 5, 2026 and Swirepay on September 10, 2026.

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