# Swirepay vs OGPay

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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

## The numbers

| Metric | Swirepay | OGPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (3 ratings)](https://appshunter.io/ios/app/swirepay/id1637926002/reviews) | **[4.9 (62 ratings)](https://appshunter.io/ios/app/ogpay/id6446909849/reviews)** |
| Number of ratings | 3 | **62** |
| Positive reviews | **100.0% of reviews** | 66.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 126 MB | 196 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 12+ |
| Developer | [Swirepay Inc.](https://appshunter.io/developer/1619088455) | [Original Digital Corporation](https://appshunter.io/developer/1620204540) |

## 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


### OGPay

[App page](https://appshunter.io/ios/app/ogpay/id6446909849)

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:** macOS Compatibility, Siri integration, Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none


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