# Swirepay vs Merchant.app

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.

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 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.

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

## The numbers

| Metric | Swirepay | Merchant.app |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (3 ratings)](https://appshunter.io/ios/app/swirepay/id1637926002/reviews)** | [4.5 (8 ratings)](https://appshunter.io/ios/app/merchantapp/id6443734854/reviews) |
| Number of ratings | 3 | **8** |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 126 MB | 160 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Swirepay Inc.](https://appshunter.io/developer/1619088455) | [Merchant Platforms, Inc.](https://appshunter.io/developer/1648883273) |

## What reviewers say

### Swirepay

[App page](https://appshunter.io/ios/app/swirepay/id1637926002)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Merchant.app

[App page](https://appshunter.io/ios/app/merchantapp/id6443734854)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*