Swirepay vs Check Supply
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Check Supply sells 5 one-off in-app purchases. Swirepay asks for nothing beyond the download.
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.
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.
| Parameter | Swirepay | Check Supply |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (3 ratings) — better | 4.4 (13 ratings) |
| Positive reviews | 100.0% of reviews — better | 75.0% of reviews |
| Number of ratings | 3 | 13 — better |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 18.0 |
| Further details — not scored | ||
| Size | 126 MB | 57 MB |
| Age rating | 4+ | 4+ |
| Developer | Swirepay Inc. | Dawn Patrol, LLC |
Customer experience
Swirepay
Check Supply
In-app purchases
Swirepay
No in-app purchases
Check Supply
- Check$6.99
- Certified Mail Check$12.99
- Priority Mailed Check$21.95
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- Express Check$49.99
- Checkbook$69.99









