Report updated Apr 17, 2026
Stripe Payments by Swipe
For small business owners, freelancers, and mobile service providers who already use Stripe and need a portable, on-the-go point-of-sale solution.
Stripe Payments by Swipe is an established business app that is free with in-app purchases. With a 4.8/5 rating from 176 reviews, it shows polarized user reception.
What is Stripe Payments by Swipe?
Current Momentum
v1.5
+ More language support
Active Nemesis
Charge for Stripe Card Payment
By Platinum Apps
Other Rivals
7-Day Rank Pulse 🇺🇸
BusinessNo ranking data
Rating Pulse 🇺🇸
What makes this app unique?
What Does It Look Like?
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What Are The Key Features?
Supports swiping, manual typing, or scanning credit cards for flexible payment collection.
Directly links to existing Stripe accounts to process transactions without a separate merchant account.
Allows saving customer profiles and product information to streamline the billing process.
Enables issuing refunds, sending digital receipts, and collecting tips directly within the app.
Uses industry-standard encryption and does not store sensitive account data locally on the device.
How much does it cost?
- Free app download
- Standard Stripe processing fees apply
- Additional 1% fee charged by the app on top of Stripe fees
The app uses a transaction-based monetization model. This 1% fee is standard for third-party wrappers but is increasingly pressured by the official Stripe app's 0% additional fee and competitors offering flat-rate subscriptions.
Who Built It?
David Zemsky
Providing specialized health tracking and business utility tools for mobile users. Focused on data-driven management for personal health and professional workflows.
Portfolio
4
Apps
What other apps does David Zemsky make?
Explore the full David Zemsky report
Portfolio breakdown, audience, momentum, and every app published by David Zemsky.
What do users think recently?
Analysis in progress, available soon
View the full user-sentiment analysis
Mood gauge, ratings & review-volume history, every praise / complaint / request, and sentiment over time.
What is the competitive landscape for Stripe Payments by Swipe?
How's The Business Market?
Market outlook for this category
Available very soon
The rivals identified
The outtake for Stripe Payments by Swipe
Strengths to defend, gaps to attack
Core Strengths
- High user rating (4.82) indicating strong core UX
- Streamlined card scanning process
- Simple, low-friction onboarding via Stripe Connect
Critical Frictions
- Last updated June 2022 (v1.5), indicating potential maintenance mode
- 1% platform fee creates price friction vs official Stripe app
- No support for physical card reader hardware
Growth Levers
- Implementation of 'Tap to Pay' on iPhone to match Kani and Tap to Pay for Stripe
- Introduction of a subscription tier to attract high-volume merchants from ChargeStripe
Market Threats
- Official Stripe Dashboard app offering 0% additional fees
- Charge for Stripe's more frequent update cycle and larger market validation
- iOS compatibility issues due to stale development cycle
What are the next best moves?
Release a compatibility and security update
The app was last updated in June 2022. The Nemesis (Charge for Stripe) maintains a more recent update history, posing a risk of user churn due to potential bugs on newer iOS versions.
Integrate Apple 'Tap to Pay' on iPhone
Competitors like Kani and Tap to Pay for Stripe are leveraging this technology to eliminate manual card entry/scanning, which is Swipe's primary capture method.
Evaluate a 'Pro' subscription tier
ChargeStripe offers a subscription to remove the 1% fee; Swipe risks losing high-volume merchants for whom a flat monthly fee is more economical than a 1% transaction tax.
Feature Gaps vs Competitors
- Tap to Pay on iPhone (available in Kani and Tap to Pay for Stripe)
- Physical hardware support for card readers (available in Payment for Stripe)
- Subscription-based fee removal (available in ChargeStripe)
- International currency support for manual entry (broader in Charge for Stripe)
Key Takeaways
Swipe is a highly-rated but stagnating utility. While its UI simplicity is a proven strength, the lack of updates since 2022 and the absence of 'Tap to Pay' functionality make it vulnerable to both the official Stripe app and more agile third-party competitors.
Where Is It Heading?
Declining
Last updated June 2022 — indicates product is in maintenance mode rather than active development.
Official Stripe app now offers 0% fee payment collection, undermining Swipe's 1% fee value proposition.
Maintains a 4.82 rating from 176 users — core utility remains functional and respected by its current base.