Comparison

Swirepay vs Merchant.app

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

Head to head
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.

About

Merchant.app

This app streamlines payment processing for businesses, allowing for quick transactions via terminal, text, or email. It offers a real-time dashboard to monitor all business transactions and refunds, ensuring secure and efficient customer payments.

Highlights
  • Process payments via terminal, text, or email
  • Lightning-fast transactions
  • Customer payments via phone or email
  • Real-time transaction dashboard
  • Refund tracking
  • Industry-leading data security
Features
Read full description

An ideal system for businesses, Merchant Platforms will help you process your payments and impress your customers through terminal, text or email payment prompts and lightning-fast transactions. Customers can make payments instantly through their phone or email without the hassle of credit card authorization forms. A dashboard with real-time updates helps you keep track of all the transactions and refunds within your business. Merchants and customers can rest assured that each payment is kept safe and secure through industry-leading data security standards.

Screenshots

Swirepay4 screens
Merchant.app4 screens

Verdict

The call

Swirepay and Merchant.app both sit at 4.7 stars, but that hides the real split: 100% of Swirepay's written reviews are positive against 50% of Merchant.app's. On price, rating, ratings volume and update cadence 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 4.5. Both are backed by a comparable volume of ratings — 3 and 8 respectively. Written reviews point the same way: 100% of Swirepay's written reviews are positive against 50% of Merchant.app's.

UpkeepUpdate frequency

Swirepay ships an update every 3 weeks, Merchant.app every 2 weeks. Both last shipped on October 24, 2026.

Scorecard1 real difference · 9 level
Swirepay versus Merchant.app: the parameters behind the verdict, then further details
ParameterSwirepayMerchant.app
PriceFreeFree
Rating4.7 (3 ratings) — better4.5 (8 ratings)
Positive reviews100.0% of reviews — better50.0% of reviews
Number of ratings38 — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size126 MB160 MB
Age rating4+4+
DeveloperSwirepay Inc.Merchant Platforms, Inc.

Customer experience

Swirepay

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

Merchant.app

All ratings8 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Swirepay

No in-app purchases

None

Merchant.app

No in-app purchases

Questions

Is Swirepay free?
Swirepay is free to download, with no in-app purchases.
Is Merchant.app free?
Merchant.app is free to download, with no in-app purchases.
Which has better reviews, Swirepay or Merchant.app?
Swirepay is rated higher. Swirepay averages 4.7 out of 5 from 3 ratings, while Merchant.app averages 4.5 from 8 ratings.
Do Swirepay or Merchant.app have ads?
Neither Swirepay nor Merchant.app shows ads.
Which is updated more often, Swirepay or Merchant.app?
Swirepay ships an update every 3 weeks, and Merchant.app every 2 weeks. Most recently, Swirepay was updated on October 24, 2026 and Merchant.app on October 24, 2026.

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