Comparison

Swirepay vs OGPay

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

OGPay

Securely manage your money with this app. Make and receive payments globally, link bank accounts and credit cards, and set up recurring payments with reminders. Enjoy fast, free transactions and robust security features for all your financial needs.

Highlights
  • Global money exchange
  • Link credit cards and bank accounts
  • Recurring payments and reminders
  • ATM cash withdrawal
  • Secure encrypted transactions
  • Downloadable transaction history
Features
Read full description

OGPay Consumer lets you securely, quickly, and easily improve how you use your money. Make and manage payments online and offline, exchange money with others around the world. All in an easy-to-use multi-language, multi-currency mobile data app. OGPay Consumer is a new kind of fully integrated secure mobile payments management technology created by Original Digital Corporation. Funds in your OGPay wallet are not FDIC insured. Want to learn more? Just go to www.ogpayconsumer.com SHOP & ACCESS YOUR BALANCES INSTANTLY FROM YOUR MOBILE DEVICE OR COMPUTER Withdraw cash at ATMs worldwide. SEND AND RECEIVE WITH EASE Pay your friends and get paid by them instantly by using your wallet balance or the verified credit cards in your OGPay wallet. No more bank transfers or “I’ll pay you later”. OGPay is the easiest way to send and receive money around the world for free. MANAGE YOUR INFO FROM ONE CONVENIENT PLACE OGPay lets you add credit cards (VISA®, MASTERCARD®, AMERICAN EXPRESS®, DISCOVER®) and bank accounts from hundreds of banks around the world. Easily update your payment information and track all transactions. Download transaction history to an easy to use. CSV file for import into your favorite accounting software like Quickbooks®. MAKE RECURRING PAYMENTS AND SET REMINDERS Set recurring payments like mortgage or car payments by entering payment details in advance and get reminders when it is time to send or receive payments, so you never miss another payment. SECURE ENCRYPTED TRANSACTIONS You can trust OGPay to keep your financial information secure, with multiple layers of security and multi-factor authentication including 24/7 fraud detection on one of the world's most advanced secure network infrastructures. TRUST BASED ONBOARDING All applications for an OGPay account are instantly cleared for KYC, AML, and KYT to keep all accounts and user information secure, complete, and accurate. CHECKOUT ONLINE OR OFFLINE WITH JUST A CLICK With OGPay you can pay instantly by clicking the “Pay With OGPay” button in any online store shopping cart hosting the “Pay with OGPay” button. PROTECTED, SECURE & FLEXIBLE Protect your account and all payments with a passcode, TouchID, or FaceID.. All of your information is stored securely. RECEIVE YOUR PAYCHECK EARLIER THAN USUAL Deposit your paycheck, government payouts, tax refunds, unemployment benefits, and more by using the OGPay inbound ACH feature. THE NEW & THE NOW OGPay is available on iPhone or Apple Watch in the App Store. Using OGPay for your purchases in all kinds of apps on iPhone, and Apple Watch. Think like this: “I can pay for my Uber® ride, pay for my pizza delivery or buy a new pair of sneakers all with just a touch and swipe in the OGPay app on my phone”. Copyright © 2024 Original Digital Corporation. All Rights Reserved.

Screenshots

Swirepay4 screens
OGPay3 screens

Verdict

The call

The clearest difference is review sentiment: Swirepay at 100% against OGPay's 67%. OGPay's advantage is rating (4.9 vs 4.7) and ratings volume (62 vs 3). 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

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

OGPay holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: OGPay has 62 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 100% of Swirepay's written reviews are positive against 67% of OGPay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Swirepay ships an update every 3 weeks, OGPay fortnightly. The most recent releases landed on September 10, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
Swirepay versus OGPay: the parameters behind the verdict, then further details
ParameterSwirepayOGPay
PriceFreeFree
Rating4.7 (3 ratings)4.9 (62 ratings) — better
Positive reviews100.0% of reviews — better66.7% of reviews
Number of ratings362 — better
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS15.615.6
Further details — not scored
Size126 MB196 MB
Age rating4+12+
DeveloperSwirepay Inc.Original Digital Corporation

Customer experience

Swirepay

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

OGPay

All ratings62 ratings
Positive96.8%
Neutral0.0%
Negative3.2%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

Swirepay

No in-app purchases

None

OGPay

No in-app purchases

Questions

Is Swirepay free?
Swirepay is free to download, with no in-app purchases.
Is OGPay free?
OGPay is free to download, with no in-app purchases.
Which has better reviews, Swirepay or OGPay?
OGPay is rated higher. Swirepay averages 4.7 out of 5 from 3 ratings, while OGPay averages 4.9 from 62 ratings.
Do Swirepay or OGPay have ads?
Neither Swirepay nor OGPay shows ads.
Which is updated more often, Swirepay or OGPay?
Swirepay ships an update every 3 weeks, and OGPay fortnightly. Most recently, Swirepay was updated on September 10, 2026 and OGPay on September 24, 2026.

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