Swipe

Who Swipe Is Right For

Swipe fits Indian small businesses, freelancers, kiranas, retailers, distributors, and service providers needing GST-compliant invoicing in seconds with a real Free tier and low-cost paid tiers. The ideal customer is a 1 to 25-person Indian business issuing 5 to 500 invoices a month who wants a mobile-first experience. It is overkill for solo invoice senders fewer than 5 a month and underbuilt for large multi-state retail chains needing TCS automation (look at GoFrugal or LS Retail).

Swipe 2026 Pricing

Swipe publishes annual pricing in INR with multi-year savings on 3-year prepay. The Free tier is a permanent entry point with full GST billing. Paid tiers (PRO, JET, RISE) unlock additional features, users, and integrations. Per-month equivalent starts at roughly ₹125-₹290 across tiers.

Fees and Limits to Watch For

• Free tier includes core GST invoicing; advanced features (e-invoice automation, multi-user workspaces) require paid tiers.
• Multi-year prepay earns roughly 30-40% savings vs annual prepay.
• Payment processing fees (UPI, Razorpay, Paytm) pass through to your processor account.
• iOS app available but Android is the primary platform.
• Shopify integration available via the Swipe app on the Shopify App Store.

Integrations

• Payments: UPI, Razorpay, Paytm, PhonePe.
• Ecommerce: Shopify integration via the Swipe app.
• GSTN: native e-invoice and e-way bill submission.
• Tally: CSV export for accountant handoffs.
• Mobile: native iOS and Android apps with the Android app linked from the Google Play store.

Security and Compliance Posture

Swipe operates under India's IT Act 2000 and the DPDP Act 2023. Data hosts in Indian data centres. The platform is GST-compliant with native CGST, SGST, IGST handling. Card payments route through PCI-compliant gateways (Razorpay, PhonePe etc.) reducing direct PCI scope on Swipe.

Customer Support and SLA

Support runs in English, Hindi, and select regional Indian languages via in-app chat, WhatsApp, and email during Indian business hours (IST). WhatsApp is a popular Indian SMB support channel.

Eligibility and Deployment Options

Swipe is cloud SaaS with a mobile-first design. The Android app is the primary interface; iOS is also supported. Sign-up creates a workspace with the Free tier always available; paid tiers can be started on annual or 3-year terms.

Mobile App and Customer Portal

The native Android app (300,000+ downloads on Google Play) handles invoice creation, customer lookup, inventory updates, and reporting. iOS app provides the same workflow. End-customer receipts deliver via SMS, WhatsApp, or email with optional UPI payment links.

Pros and Cons

• Pros: real Free tier with no credit card, sub-10-second invoice creation, transparent annual INR pricing (₹1,499-₹3,499), native iOS and Android apps, Shopify integration, multi-year prepay savings.
• Cons: India-only product, narrower brand recognition than older Indian players (Vyapar, Tally), public feature breakdown by tier requires sales contact for granular detail, no native desktop client.

2026 Updates

The 2026 release line added GSTN schema updates for the latest e-invoice mandate threshold, UPI Lite acceptance for low-ticket retail, improved 40+ business report dashboards, refreshed Android app UI, and stronger Shopify integration for hybrid online-offline retailers.

What Real Buyers Say

Indian SMB owners on the r/IndianEntrepreneur subreddit and Indian small-business LinkedIn groups describe Swipe as "the cleanest mobile-first GST billing option after Vyapar." The recurring praise is invoice creation speed and the permanent Free tier; the recurring complaint is the narrower feature depth than Tally for full accounting.

Swipe Alternatives

Field Guide

How to Get Started With Swipe

1. Open the official Swipe website or download the app from Google Play.
2. Sign up for the Free tier and configure GSTIN, business type, and tax codes.
3. Import customer and product master via CSV.
4. Connect Razorpay, Paytm, or UPI under Payment Methods.
5. Create your first GST invoice (target: under 10 seconds) and send via WhatsApp or email.

How to Cancel or Pause

The Free tier acts as a permanent low-friction option. Paid tiers cancel at the end of the annual or 3-year term. Data export covers customers, invoices, payments, and tax records as CSV plus a Tally-ready year-end summary.

Eligibility Checklist

• You are a GST-registered Indian SMB, kirana, freelancer, retailer, distributor, or service provider.
• You issue 5 to 500 invoices a month.
• You want a mobile-first billing experience (Android or iOS).
• You handle multiple payment modes (UPI, card, cash, WhatsApp Pay).
• You bill on annual or 3-year prepay terms.

Pricing FAQ

• Is Swipe really free? Yes, the Free tier covers core GST billing with no credit card and no time limit.
• What does PRO (₹1,499/year) include? Higher invoice volume, additional reports, and starter-tier integrations beyond Free.
• What's the difference between JET and RISE? RISE adds more advanced features and higher user counts vs JET. Contact Swipe sales for the granular feature breakdown by tier.
• Are 3-year prepay savings worth it? Yes if you're committed to Swipe - 3-year prepay saves about 30-40% vs annual prepay.

Bottom Line

For Indian SMBs, freelancers, kiranas, and retailers wanting a real Free tier with sub-10-second GST invoice creation and native mobile apps, Swipe is one of the cleanest Hyderabad-built shortlist options in 2026. PRO at ₹1,499/year is the most popular paid entry point. The trade-off is narrower brand recognition than older Indian players. For broader market context, see the related SaaSRat blog guide.

Related on SaaSRat: See Billeasy for WhatsApp-first Indian POS, Super Billing for free-tier cloud GST billing, Biller (Inventory Biz) for multi-edition ERP, and Treflo for MSME business management. Browse the full billing software category.