Zoompay vs Swirepay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Find vendors
- Contact vendors
- Send invoices
- Request invoices
- Electronic payments
- Vendor registration
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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/
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: 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
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 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.
Zoompay ships an update weekly, Swirepay every 3 weeks. The most recent releases landed on July 5, 2026 and September 10, 2026 respectively.
| Parameter | Zoompay | Swirepay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (15 ratings) | 4.7 (3 ratings) — better |
| Positive reviews | 63.6% of reviews | 100.0% of reviews — better |
| Number of ratings | 15 — better | 3 |
| Update frequency | Weekly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 — better | 15.6 |
| Further details — not scored | ||
| Size | 37 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | Spencer Bostic | Swirepay Inc. |
Customer experience
Zoompay
Swirepay
In-app purchases
Zoompay
No in-app purchases
Swirepay
No in-app purchases






