SwagPay Review: Are The Claims True Or False?

The internet is a vast repository of information and opportunity, and that’s a good thing UNTIL you get scammed. It’s difficult to flesh out truth from lies, especially when money is a part of the picture. Before getting involved with any company that promises big money fast, do your due diligence, and find out what’s really going on behind the scenes before you let your hard-earned cash slip through your fingers. Read my SwagPay review to find out if the claims they purport are true or false.

screenshot of SwagPay homepage

Quick Facts:

Company Name: SwagPay

Website: www.swagpay.co

Owner: I have no idea!

Nature of the Business: Recruiting


Once again, like so many companies on the internet, SwagPay paints a pretty picture of being able to make a lot of money quickly. Is it possible to get rich by following a simple three-step blueprint? Most of us know by now that there is no such formula. After some digging, the chinks in the system become apparent.

[Read More: 100K Online Secret Review]

The most enticing feature of the program is that it’s free. It doesn’t get better than that. This tactic (hook #1) naturally appeals to people looking for opportunities to make money online. In fact, not only is the program free, you’ll get paid $25 (hook #2) to sign up. Keep in mind though, this payout is “only available for a limited time.”

I’m scratching my head at this point. Can they really afford to pay every person who signs up $25? This ploy is particularly appealing to people who are down on their luck and in a position of vulnerability.

Essentially, SwagPay is an influencer website that pays you, the affiliate, ($10 -$15) for referring people to their site, with the possibility of earning up to 1K a day by following this strategy. This is hook #3, which promises a lot of money in a short amount of time. Is it looking too good to be true?

If you’d rather not get involved with referrals, you can earn up to $30 by completing certain tasks, which includes taking surveys, testing sponsored products, playing free games, and social media submissions.  For instance, submitting a short video to YouTube, posting a referral link on Instagram, or creating tweets and Facebook posts for certain promotions.

This is rather curious as $30 seems like a lot for completing simple tasks. A list of the various tasks can be found in the “Task Wall” area. In return for your referrals, you’ll receive ad revenue from SwagPay.  Apparently, they connect you with top brands on social media in return for your promotions. You’ll do this by sharing your own unique link. You can earn even more money by trying out apps and other offers. I’m a little foggy on what exactly that means.

Your referrals increase exposure to the SwagPay website, which increases their ad revenue. As the popularity to their site and ad revenue grows, you get paid for the traffic you referred. The money you receive is from their “sponsors,” along with the revenue from ads. I have no clue who said sponsors are. You can instantly cash out your profits by a variety of payment methods. The minimum cashout threshold is $50.SwagPay three-step process

Fake Testimonials

The testimonials that companies like SwagPay use on their sites never cease to amaze me. It’s the same old song and dance that I’ve seen on other sites. It’s fairly obvious at first glance that the testimonials are staged, and that people have been paid to write them.  All you have to do is hire someone on Fiver.com to write a testimonial for five bucks.  (Hook #4)

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The first testimonial states that “Emily” made $27,000 in just four months. Really? C’mon? Michael made 172K by selling sneakers, in an unspecified amount of time. If it were that easy, wouldn’t more people be making a killing online? And wouldn’t more people have heard of SwagPay? It doesn’t add up.

SwagPay testimonials screenshot

A quick Google search of “reviews for SwagPay” brings up some pretty curious comments insinuating that people are not getting paid, and what’s more, they’re not able to cash out their previous earnings. Um, hello red flag. If the purpose of signing up is to make money, but you can’t get paid, that’s the ultimate definition of a scam. DO NOT give them your PayPal information.

The company professes to have been in business for seven years. On their info page, however, it states that they’ve been in business for over 10 years. However, I can’t find any signs of their presence until recently. Under the F.A.Q. section on their homepage, it states that “We have been in the internet marketing industry for ‘a while’ now.”

They then go on to explain that “our parent company” has created internet monetizing solutions since 2005. Well, ok… Who exactly is the parent company? More red flags. It’s all seems rather vague. Supposedly, SwagPay has over 500,000 members, with 200K of those members making money with “their sites.” What sites?

Wealthy Affiliate banner

Ok, let’s do the math here just for fun. If 200,000 people got paid $25 just for signing up, and each one of them made two referrals (at $10-$15) at another 25 bucks, that would be a grand total approximately 10 million dollars. And that’s if members only made two referrals.

Are you scratching your head yet? But, rest assured, they provide “straight transparency” to their members. And how is that different than mere transparency? Earning with SwagPay is “simple,” getting paid is “simple,” and getting started is “simple.” Ok, I get it, it’s all so simple. Hello hook #5!

In Summary

Frankly, I don’t get it. I get that you earn money by making referrals to their website, but what’s all the talk about surveys, other “offers,” and sponsored products? It’s not falling into place for me. But then again, scams rarely do.

As the video says: “What are you waiting for, sign up, invite some friends, complete some daily tasks to earn some money. Create a daily routine, do the tasks, and become RICH.” Well, I have to say I’m relieved that I can make money that easy. Eyeroll…

Make Money Online The Right Way

The internet is teeming with scams. Fortunately, there are legitimate ways to make money online, but rest assured, it won’t be easy. In fact, it will take a lot of hard work, patience, perseverance, and time. Building a thriving online business is no different than any other endeavor, whether online or not. It’s not possible to get a lot of something by doing a lot of nothing.

wealthy affiliate banner

I joined Wealthy Affiliate in 2017, and have been busy building my business every day. Although it takes a lot of effort and consistency, the payout is worth it and the rewards are long-term.

Knowing that I’m investing in my financial freedom one day at a time keeps me motivated and in the game.

Read my review or click on the banner to the left to learn more. You can get started for free today.

[Read More: “Is Wealthy Affiliate The Real Deal?”]

What do you think? Is SwagPay a scam? Let me know in the comments:)









  • Free to get started
  • $30 Tasks
  • $10 Referrals


  • Too good to be true
  • Fake testimonials
  • Owner unknown

14 thoughts on “SwagPay Review: Are The Claims True Or False?”

  1. SwagPay is a big scam! They do not provide any other means to make real money, no surveys. The only way to make money is by inviting people to join, making referrals. That just makes it a pyramid scheme, where you make money out of what others are bringing in, such business models never last.

    Thanks for sharing!

  2. Your review is really helpful because it’s often an exhausting task to have to go through all these different apps and quick ideas of making money fast, just to find out they’re a waste of time. It helps to have a bit of an insider look, so that we don’t have to go into these types of scams blind, expecting something and finding it to be false. 

    You’re absolutely right about the overplayed testimonials, they all say the same thing and offer so little that is genuine. It’s good of you to to debunk these scams for people. I read about this “shiny-object” syndrome that people get, especially when they just want ANY way out of their current situation (being broke, in a lot of cases). I think these types of gimmicks are directed at people who do actually know better, but WANT to trust the hype on the off-chance it’ll make them some money. 

    • Hi Sonia, 

      Thanks for your comment on my review. It certainly is exhausting to unpack what is truth and what isn’t. People who are down are their luck are typically the ones that fall for these types of scams because of their great need. 

      “Shiny-object” syndrome is real. You’re right, most people know in their gut that the claims are too good to be true, but because of their vulnerability they sign up, only to regret their decision later. It’s a sad scenario!

  3. Wow! Nice and informative article. I don’t know much about SwagPay but I’ve come across similar websites where you need to make referrals and complete tasks to get paid. 

    And to be sincere, most of them are just using the ploy to generate traffic to their site. I think it’s high time we start looking for legitimate online websites. Ever since I’ve been introduced to WA, it has been an awesome experience. Thanks for putting this together.

    • Thank you. Unfortunately, SwagPay is just one of numerous duplicitous sites on the internet that promise a big payout with little to no work. It’s sad that people fall for it. 

      I’m so happy you are a member of Wealthy Affiliate. It’s been a Godsend in my life. Finally, the ability to build an online business with the correct training and support. Everyone who joins can quickly see that it’s the real deal!

  4. I couldn’t agree with you more…..reading your review makes me realize that it will be a waste of time to blindly follow such a company that makes vague promises. $25 per sign up is too good to be true and I don’t need to be a victim of this delusion to know that it’s a bait of dead end. With my little experience online, nothing comes that easy. I don’t think Google would even provide such an offer let alone a company with an unknown founder. 

    Thanks for blowing the lid off this deceitful online business!

    • Hi and thanks for reading. Yes, companies that promise a lot of money in a short amount of time are both a waste of money, time, and effort. If a claim sounds too good to be true, it likely is. Thanks for your comment. 

  5. Thanks for for this informative review. I have seen way too many of these sites in my online career and I can tell you that they are impossible to keep up with. This is the first time I’ve heard about SwagPay, and after reading this review I don’t think it’s any different than the rest, in that it has a lot of false claims, which is one major disadvantage of joining this platform. Thanks for the warning.

    • You’re welcome. Yes, it’s impossible to keep up with all the scams online. It seems that new ones crop up everyday. They all have similar features, promising big bucks in a short amount of time, a low-entry cost, and fake testimonials. Thankfully, they’re becoming easier to spot. Thanks so much for reading and taking the time to comment:)

  6. Hi there. SwagPay sounds pretty impressive at first glance. It’s easy to see why some people would be inclined to give SwagPay a go, especially those who are limited by their finances and looking for an easy way to make a few bucks. I for one, am more inclined to seek out passive earning opportunities rather than those that will only pay me on completing tasks.  

    • Hi Rina,

      Yes, it does seem impressive at first, until you do a little digging, and I do mean “a little.” Once you get to the staged testimonials, it’s all downhill from there. It’s the people who desperately need money the most that are the easiest to take advantage of. 

      I like platforms, like Wealthy Affiliate, that teach the skills needed to build a legitimate business the right way – with hard work, effort, and time. It’s not possible to bypass that formula. Thanks so much for reading!

  7. Unfortunately, this is the truth that these sorts of companies are able to get people’s attention and make them spend their money on these ridiculous products, and instead, what they get for it is nothing but despair. This SwagPay review is an honest post that has clearly revealed the program and its false claims.

    My nephew was so eager to join SwagPay and lost his hard-earned money. But at the right time, he was lucky enough that I came across your review and showed him that the program is a scam.

    I am a big fan of Wealthy Affiliate and I have explained its features and capabilities to my nephew and at the same time passed on to him your review to make him aware of online marketing products and services. Hopefully, he is going to be make the decision to join Wealthy affiliate.

    Thank you for your helpful review post!

    • Hello, and thanks for taking the time to read my review. I’m glad you were able to show your nephew the truth. Wealthy Affiliate, in my opinion and experience, is the best platform out there to learn internet marketing. I’m on a mission to educate people how to avoid online scams, and how they can make money with the right education, support, and tools. 


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