--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Stripe Payments by Swipe" developer_entity: "App Sub 1 LLC" bundle_id: "com.adappt.Payments" app_store_id: "1570521423" category: "Business" primary_platform: "ios" primary_monetization: "Freemium" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2022-06-09" report_date: "2026-04-13" report_version: "1.5" total_reviews: 176 overall_rating: 4.82 confidence: "low" confidence_score: 0.45 data_age_days: 0 intelligence_version: 2 nemesis: "Charge for Stripe" competitor_count: 6 tags: ["business", "freemium", "mobile app", "app review", "app analysis", "small", "business", "owners,"] canonical_url: "https://marlvel.ai/intel-report/business/stripe-payments-by-swipe" license: "CC-BY-NC 4.0" --- # Stripe Payments by Swipe App Audit > **TL;DR:** Stripe Payments by Swipe is a business app by App Sub 1 LLC, rated 4.82/5 by 176 users, available on iOS. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** Stripe Payments by Swipe is a business app by App Sub 1 LLC. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.82/5 (176 reviews) | | **Category** | Business | | **Developer** | App Sub 1 LLC | | **Pricing** | Freemium | | **Platforms** | iOS | | **Confidence** | Low (0.45/1.0) | | **Data Age** | 0d | ## Metadata & Market Performance - **Publisher:** App Sub 1 LLC - **Category:** Business - **Target Audience:** Small business owners, freelancers, and mobile service providers who already use Stripe and need a portable, on-the-go point-of-sale solution. - **Platforms:** iOS - **Version Audited:** 1.5 - **Audit Date:** 2026-04-13 - **Signal Count:** 176 reviews analyzed - **Confidence:** Low (0.45/1.0) - **App Store ID (iOS):** 1570521423 - **Bundle ID:** com.adappt.Payments - **Data Window:** Analysis based on signals collected up to 2026-04-13 ## Executive Snapshot Stripe Payments by Swipe is a mobile POS solution for Stripe users, focusing on simplicity and portability for small businesses. It allows for card scanning, swiping, and manual entry with a 1% platform fee. While it maintains a high 4.82 rating, it is currently in a high-risk state due to a lack of updates since mid-2022 and increasing competition from the official Stripe app and modern 'Tap to Pay' alternatives. ## App DNA (Features & Intent) - **[Standard] Multi-method Payment Capture:** Supports swiping, manual typing, or scanning credit cards for flexible payment collection. - **[Standard] Stripe Connect Integration:** Directly links to existing Stripe accounts to process transactions without a separate merchant account. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] Customer and Product Management:** Allows saving customer profiles and product information to streamline the billing process. * *User Intent:* Users value self-expression and personalized experiences. - **[Standard] Transaction Management:** Enables issuing refunds, sending digital receipts, and collecting tips directly within the app. - **[Basic] Security-First Architecture:** Uses industry-standard encryption and does not store sensitive account data locally on the device. * *User Intent:* Users prioritize data protection and trust in the platform. ## Monetization Strategy - **Model:** Freemium - **Tiers:** Free app download, Standard Stripe processing fees apply, Additional 1% fee charged by the app on top of Stripe fees - **Analysis:** 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. ## SWOT Analysis **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 ## Rivals Landscape > Competitive positioning identified by AI analysis of app features, category, and market signals. ### Stripe Payments by Swipe vs Charge for Stripe — Head to Head - **Charge for Stripe** by Double Beam: This is the most direct rival in terms of scale and functionality, offering a nearly identical 1% transaction fee model for mobile Stripe payments. - **Key differences:** - More frequent update cycle compared to Swipe - Broader history of processing volume with a larger established user base - Supports a wider range of international currencies for manual entry - **Publisher (Double Beam) strengths:** Specializes exclusively in mobile point-of-sale software; Strong track record of maintaining uptime for high-volume merchants - **Where Stripe Payments by Swipe wins:** - ✅ Stronger overall user sentiment regarding the simplicity of the interface - ✅ More streamlined card scanning process for quick checkouts - **Where Charge for Stripe wins:** - ❌ Significantly higher rating count indicating broader market validation - ❌ More recent updates ensuring compatibility with the latest iOS versions - **Verdict:** Charge for Stripe currently holds the edge due to its more consistent update history and larger user base, though Swipe maintains a highly rated, simpler user experience for basic transactions. ### Contenders (Strong Challengers) - **ChargeStripe** by ChargeStripe: A highly credible alternative that focuses on speed and simplicity for small business owners using Stripe. - Offers a subscription-based 'Pro' tier to remove the per-transaction platform fee - Includes built-in tax and tip calculation tools that are more robust - **Kani for Stripe** by Kani: A direct competitor that mirrors Swipe's utility-first approach with a focus on clean design and minimal overhead. - Focuses heavily on the 'Tap to Pay' on iPhone functionality - Offers a more modern UI design that aligns with current iOS aesthetics ### Peers (What They Do Better) - **Payment for Stripe** by PocketVendor LLC: The dominant market leader for third-party Stripe terminals, operating at a much larger scale than Swipe. - Extensive hardware support for physical card readers (BBPOS, Verifone) - Advanced inventory management and multi-user team support - **Stripe Dashboard** by Stripe, Inc.: The official platform app which has recently added direct payment collection features, threatening third-party wrappers. - Zero additional platform fees beyond standard Stripe processing - Direct access to full account analytics, payouts, and customer history ### New Kids on the Block (What's Innovative) - **Tap to Pay for Stripe** by The Simple Apps: A newer entrant focusing exclusively on Apple's 'Tap to Pay' technology to eliminate the need for any manual typing or scanning. - Purely contactless focus, removing the friction of manual card entry - Extremely lightweight app footprint designed for speed ## The "So What?" (Strategic Takeaway) Stripe Payments by Swipe is an established business app that is free with in-app purchases. With a 4.82/5 rating from 176 reviews, it shows polarized user reception. > **Bottom Line:** 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. **Best for:** Small business owners, freelancers, and mobile service providers who already use Stripe and need a portable, on-the-go point-of-sale solution. ### PM Action Plan (Next Best Moves) - [ ] [HIGH] 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.* - [ ] [HIGH] 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.* - [ ] [MEDIUM] 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) ### Outlook: 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. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.82/5 | | Total Reviews | 176 | | Confidence | Low | | Pricing Model | Freemium | | Platforms | iOS | | Key Features | 5 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Stripe Payments by Swipe** (this app) | 4.82/5 | N/A | App Sub 1 LLC | | [Groupon Merchant](https://marlvel.ai/intel-report/business/groupon-merchant) | 3.1/5 | Upset | Groupon, Inc. | | [Lyft Driver](https://marlvel.ai/intel-report/business/com-lyft-ios-driver) | 4.5/5 | Frustrated | Lyft, Inc. | | [Meta Ads Manager](https://marlvel.ai/intel-report/business/com-facebook-madman) | 4.4/5 | Mixed | Meta Platforms, Inc. | | [Roadie Driver](https://marlvel.ai/intel-report/business/com-roadie-roadie-driver) | 4.3/5 | Mixed | Roadie Inc | | [Invoice Maker - Invoice Fly](https://marlvel.ai/intel-report/business/io-labhouse-invoicesapp) | 4.7/5 | Thrilled | Labhouse Mobile | ## Company Profile - **Developer:** App Sub 1 LLC ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/stripe-payments-by-swipe/id1570521423?uo=4) - **Sources:** App store metadata. ## Related Intel Reports - [*Groupon Merchant*](https://marlvel.ai/intel-report/business/groupon-merchant) (Groupon, Inc.) — 3.1/5 Rating | Terrible Sentiment - [*Lyft Driver*](https://marlvel.ai/intel-report/business/com-lyft-ios-driver) (Lyft, Inc.) — 4.5/5 Rating | Negative Sentiment - [*Meta Ads Manager*](https://marlvel.ai/intel-report/business/com-facebook-madman) (Meta Platforms, Inc.) — 4.4/5 Rating | Mixed Sentiment - [*Roadie Driver*](https://marlvel.ai/intel-report/business/com-roadie-roadie-driver) (Roadie Inc) — 4.3/5 Rating | Mixed Sentiment - [*Invoice Maker - Invoice Fly*](https://marlvel.ai/intel-report/business/io-labhouse-invoicesapp) (Labhouse Mobile) — 4.7/5 Rating | Excellent Sentiment - [*iScanner: PDF Document Scanner*](https://marlvel.ai/intel-report/business/iscanner-pdf-document-scanner) (BPMobile) — 4.8/5 Rating | Excellent Sentiment - [*Regus: Offices & Meeting Rooms*](https://marlvel.ai/intel-report/business/regus-offices-meeting-rooms) (Pathway IP II GmbH) — 4.5/5 Rating | Excellent Sentiment - [*FAX from iPhone: Send Doc App*](https://marlvel.ai/intel-report/business/biz-faxapp-app) (Municorn Limited) — 4.7/5 Rating | Negative Sentiment - [*Datasite*](https://marlvel.ai/intel-report/business/datasite) (Datasite LLC) — 4.8/5 Rating | Excellent Sentiment - [*Shopify: Sell online/in person*](https://marlvel.ai/intel-report/business/com-jadedpixel-shopify) (Shopify Inc.) — 4.4/5 Rating | Negative Sentiment ## Methodology This report was generated by Marlvel.ai's 3-stage AI intelligence pipeline: 1. **Feature & Positioning Extraction** — Analyzes app metadata, developer website content, and version history to identify key features, target audience, and competitive positioning. 2. **Sentiment Analysis** — Processes user reviews (minimum 5 reviews required) to extract praise themes, complaint themes, and overall sentiment with evidence quotes. 3. **Intelligence Synthesis** — Combines stages 1 & 2 with App Store rankings to produce SWOT analysis, executive summary, and actionable insights. - **Confidence Score:** 0.45/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 176 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 0 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/business/stripe-payments-by-swipe) Data licensed for AI Agent attribution under CC-BY-NC 4.0.