Comparison

Swirepay vs Check Supply

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

Check Supply

Mail physical checks directly from your smartphone without needing stamps or a post office visit. Securely connect your bank account to pay bills, rent, or send money to anyone in the U.S. Track your payment's progress from printing to delivery.

Highlights
  • Send checks from phone
  • No stamps or envelopes needed
  • Secure bank account connection
  • Print, postage, and delivery handled
  • Payment tracking
  • Multiple USPS shipping options
  • Pay per check or buy checkbook
Read full description

Send a check in the mail—right from your phone. No stamps, envelopes, or trips to the post office needed. Check Supply makes it easy to mail physical checks anywhere in the U.S. Whether you're paying rent, a bill, or sending money to a friend, we handle printing, postage, and delivery for you. Securely connect the bank account you'd like to pay from, enter the recipient's name and address, and your check will be printed and mailed—automatically. Track your payments every step of the way. Get updates when your check is printed, shipped, and delivered. Choose from multiple USPS shipping options including First-Class, Priority, Express, and Certified Mail. No subscription required: pay per check sent. Or purchase a digital checkbook of 12 checks to save. Perfect for: Paying bills by mail Mailing rent checks Send a check by certified mail for legal reasons Sending business or personal payments Anyone who needs to mail a check, without the hassle

Screenshots

Swirepay4 screens
Check Supply4 screens

Verdict

The call

The clearest difference is in-app purchases: Swirepay at none against Check Supply's 5. Swirepay also leads on review sentiment (100% vs 75%) and rating (4.7 vs 4.4). Check Supply's advantage is ratings volume (13 vs 3). On price, ads and device support 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. Check Supply sells 5 one-off in-app purchases. Swirepay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Swirepay holds the better App Store score, 4.7 against 4.4. Both are backed by a comparable volume of ratings — 3 and 13 respectively. Written reviews point the same way: 100% of Swirepay's written reviews are positive against 75% of Check Supply's.

UpkeepUpdate frequency

Swirepay ships an update every 3 weeks, Check Supply every 2 months. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard7 real differences · 3 level
Swirepay versus Check Supply: the parameters behind the verdict, then further details
ParameterSwirepayCheck Supply
PriceFreeFree
Rating4.7 (3 ratings) — better4.4 (13 ratings)
Positive reviews100.0% of reviews — better75.0% of reviews
Number of ratings313 — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better18.0
Further details — not scored
Size126 MB57 MB
Age rating4+4+
DeveloperSwirepay Inc.Dawn Patrol, LLC

Customer experience

Swirepay

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

Check Supply

All ratings13 ratings
Positive84.6%
Neutral0.0%
Negative15.4%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

Swirepay

No in-app purchases

5 purchases

Check Supply

One-time5
  • Check$6.99
  • Certified Mail Check$12.99
  • Priority Mailed Check$21.95
Show 2 more
  • Express Check$49.99
  • Checkbook$69.99

Questions

Is Swirepay free?
Swirepay is free to download, with no in-app purchases.
Is Check Supply free?
Check Supply is free to download, with in-app purchases available.
Which has better reviews, Swirepay or Check Supply?
Swirepay is rated higher. Swirepay averages 4.7 out of 5 from 3 ratings, while Check Supply averages 4.4 from 13 ratings.
Do Swirepay or Check Supply have ads?
Neither Swirepay nor Check Supply shows ads.
Which is updated more often, Swirepay or Check Supply?
Swirepay ships an update every 3 weeks, and Check Supply every 2 months. Most recently, Swirepay was updated on October 24, 2026 and Check Supply on October 25, 2026.

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