# Swirepay vs Pagarva

The clearest difference is rating: Pagarva at 5.0 against Swirepay's 4.7. Swirepay's advantage is iOS requirement (15.6 vs 18.0). On price, review sentiment, 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.

Pagarva holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 3 and 5 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

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

## The numbers

| Metric | Swirepay | Pagarva |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (3 ratings)](https://appshunter.io/ios/app/swirepay/id1637926002/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/pagarva/id6466799666/reviews)** |
| Number of ratings | 3 | **5** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 126 MB | 137 MB |
| Requires iOS | **15.6** | 18.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Swirepay Inc.](https://appshunter.io/developer/1619088455) | [PAGARVA INC](https://appshunter.io/developer/1707822313) |

## 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


### Pagarva

[App page](https://appshunter.io/ios/app/pagarva/id6466799666)

This app streamlines payment acceptance for micro-businesses in America, offering instant deposits and supporting a wide range of payment methods. It provides a professional solution without the complexity of enterprise tools or the informality of personal apps.

**Highlights:** Accept payments from multiple methods, Instant deposits to bank account, Professional interface for micro-businesses, Customer or business pays transaction fees, Multilingual support, Organized income tracking

**Features:** Apple Wallet, iMessage stickers, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Swirepay free?

Swirepay is free to download, with no in-app purchases.

### Is Pagarva free?

Pagarva is free to download, with no in-app purchases.

### Which has better reviews, Swirepay or Pagarva?

Pagarva is rated higher. Swirepay averages 4.7 out of 5 from 3 ratings, while Pagarva averages 5.0 from 5 ratings.

### Do Swirepay or Pagarva have ads?

Neither Swirepay nor Pagarva shows ads.

### Which is updated more often, Swirepay or Pagarva?

Swirepay ships an update every 3 weeks, and Pagarva every 2 weeks. Most recently, Swirepay was updated on October 24, 2026 and Pagarva 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.*