SwagPay Review: No Swag & No Pay Whatsoever…

SwagPay Review Featured Image

SwagPay is an MMO (Make Money Online) platform that will allegedly help you earn $500-$1000 a day by referring to it your social media friends as well as completing a variety of other tasks such as filling in surveys and installing applications on your mobile phone.

The platform is not just free to join but it will also credit your SwagPay account with $25 just for signing up to it.

Yeah, yeah, yeah… All this sounds too good to be true and it truly is.

SwagPay is part of a cluster of almost identical, borderline illegal MMO platforms (Viral Pay, ReferralPay, CashOG) so don’t expect that you’ll ever make any money with it.

So, before you waste your time, energy, and money on a dead-end platform which will take you nowhere near your financial goals, make sure to pay close attention to this SwagPay review.

SwagPay Overview

Name of Product: SwagPay

Owners: Unknown

Price: Free to join. Additional charges apply within the platform

Official Website: swagpay.co

Suggested? 100% NOT!


  • Has just one pro
  • Unrealistic earnings claims
  • Inconsistent information
  • Fake payment proofs
  • Additional charges inside the platform
  • Fake support info
  • Unable to cashout
  • Potential hacking danger

Jump to the Cons Section

What is SwagPayAbout?

SwagPay is basically an influencer website which claims that it can make you rich by completing a variety of very simple tasks which require no previous experience whatsoever such as getting people to sign up to SwagPay through a unique referral link, publishing posts promoting SwagPay on your social media, filling in online surveys and installing applications on your mobile phone, etc, etc.

More specifically, SwagPay pays you

  • $25 just for signing up
  • $2 for each person who clicks on your referral link
  • an additional $10 for each person who signed up to SwagPay after clicking on your referral link
  • $30 for filling in surveys and entering contests
  • $10 for installing applications on your mobile phone
  • $50 for creating YouTube videos promoting SwagPay
  • $10 for submitting a post on Instagram/Facebook/Twitter promoting SwagPay

Here’s exactly how SwagPay works…

Once you join SwagPay, you get your hands on a unique referral link (see image below) which you’ll be sharing online (social media, forums, blogs, etc).

SwagPay Referral Link

As I’ve already mentioned, SwagPay credits your account with $2 for each person who clicks on that link and with an additional $10 for each person who signs up to SwagPay after clicking on your referral link.

This means that if you get 100 people to sign up to SwagPay through your referral link, you’ll be credited with $1200.

SwagPay gives you the option to increase your referral rate by sharing with your audience some premade promotional banners.

You can also get credited with $50 for creating a YouTube video praising SwagPay.

Furthermore, SwagPay will credit your account with $10 for promoting it on Facebook, Twitter, and Instagram. You can submit one post to each one of those social media platforms every 48 hours.

Lastly, you can earn $10-$30 credits by completing other tasks which have nothing to do with promoting SwagPay such as filling in surveys, participating in various contests, and installing applications on your smartphone.

Notice that all this time I have been talking about credits and being credited.

The money you earn through completing every single SwagPay task are being credited in your SwagPay account and you can cash them out only after

  • getting 20 people to click on your referral link
  • referring 5 people to SwagPay
  • completing 5 tasks from the $30 TaskWall

You have to meet all of those requirements in order to be able to request a cashout.

The problem is that even after qualifying for and requesting a cashout, SwagPay will suspend/ban your account in order to avoid paying you using as an excuse that your clicks and referrals were fake.

SwagPay Fraud Policy

Pretty awful right?

Well, this is it… This is how SwagPay works or better doesn’t work.

It just makes you believe that you can make money with it fast and effortlessly in order to get you to complete tasks which will bring money to its owners such as getting other people to sign up for the platform or filling in surveys and installing applications on your smartphone and then when you request for the money they have promised to pay you which you’ve earned fair and square, they kick you out.

Really classy…

Who is SwagPay for?

SwagPay is perfect for those who were gullible enough to believe that they could actually make money with it.

Sometimes, people just have to get scammed to wake up to the ultimate reality that earning money, either online or offline, requires significant amounts of investment of time, energy, and possibly money and won’t happen just by sharing a link to 10 or 100 people.

In fact, I am so confident that you won’t be able to earn even a single penny with SwagPay that if you do, you can contact me with proof and I will deposit $100 more right in your account just for being wrong…

Who is SwagPay NOT for?

SwagPay is absolutely NOT for those who are after earning money online.

Those could be people who 

  • Want to quit a job they hate
  • Work a part-time job and are in need of a supplementary income to cover their expenses
  • Are interested in earning their living online
  • Want the freedom to work whenever they want and from wherever they want
  • Are after building a stable income online in order to travel the world
  • Need some extra money to provide for their family
  • Have tried other MMO and GPT platforms and systems but failed to meet their financial goals

If you are one of those people, then you should absolutely check out Wealthy Affiliate or Project 24 at once because it’s really impossible for SwagPay to help you achieve your financial goals.

What's Inside SwagPay?

SwagPay is basically comprised of a main members dashboard through which you can access every single resource and tool you’ll need to use the platform (see image below).

SwagPay Main Dashboard

Let’s take a brief look at each one of those sections shall we?


This is SwagPay’s home page…

Within this page, you’ll find

  • your unique referral link
  • an overview of the total clicks on your link
  • your total SwagPay referrals
  • the number of tasks you have completed
  • the amount of money you’ve been credited
  • a leaderboard
  • a bunch of other useful links and social media sharing buttons

Refer & Earn

Right here, you can also access your referral link, a bunch of social media sharing buttons to easily share it, as well as the names of the people you have referred to SwagPay.

$30 TaskWall

This is where you can make money by completing tasks such as filling in surveys, entering contests, etc. Video tutorials on how to complete those tasks are also included right here.

CashOG Tasks

Promotional Posts

Several banners to share on your social media accounts in order to increase your referral rate.

YouTube/Instagram/Facebook/Twitter Submission

Guidelines and instructions on how to earn money by publishing SwagPay promotional videos and posts on YouTube, Instagram, Facebook, and Twitter.

Rewards Center

Redeem your SwagPay credits for a variety of rewards such as

  • Gift cards
  • iPads, iPhones, Macbooks
  • etc

SwagPay Rewards Center

My Account

Fill in your name, email address, and choose your preferred method of payment.


Monitor your total earnings, your unclaimed earnings, pending payments, payment method, and payment history.


Request a cashout of your accredited earnings right here.

Track how close you are to reaching the requirements for your first cashout as well.


This section contains answers to some frequently asked questions of SwagPay members.

Account Manager Skype

A Skype address to contact your account manager in case you need any help or support.

The Skype address is actually fake so you’ll get neither.

You can confirm that with a simple Skype search for the username @swagpayofficial.

SwagPay Success Stories & Testimonials

You can find a number of SwagPay success stories/payment proofs on swagpay.co/payment-proof.

Be careful to not fall for any of those payment proofs because all of them are 100% fake and fabricated.

Let me explain.

First of all, as you can see in the image below, swagpay.co was registered on 23/06/2019.

SwagPay Domain Registration

The funny thing is that most of SwagPay’s payment proofs seem to have taken place on earlier dates…

This means that either SwagPay was paying people before it even existed or that those payment proofs are fake…

Your call…

In addition, a couple of those exact payment screenshots have been used as payment proofs for other similar scammy platforms such as ViralPay and ReferralPay (see images below).

SwagPay Fake Payment Proof 1
Viral Dollars Fake Payment Proof 1
SwagPay Fake Payment Proof 3
Viral Dollars Fake Payment Proof 5
SwagPay Fake Payment Proof 2
Viral Dollars Fake Payment Proof 4

Do yourself a favor and don’t fall for any of this crap.

How Much Does SwagPay Cost?

SwagPay is free to join.

However, it’s not really free to use in its entirety.

You see, in order to be able to complete tasks on the $30 TaskWall, you’ll need to subscribe to text message services which cost an average of $50 per month.

If you do the math, completing just the 5 tasks that you need to complete in order to qualify for your first cash out means subscribing to 5 text message services which equate to $250 of monthly recurring expenses.

Despite the fact that there are probably ways to unsubscribe from such text message services, I would never trust my phone number with scammers such as SwagPay. 

Plus, as I’ve already mentioned, Swag Pay will never actually pay you so you’ll just waste your money for nothing.

SwagPay Pros

  • Free to join

1 • Free to Join

The only pro of SwagPay is that it’s free to join.

This way you won’t have to spend any money to find out how crappy the platform really is.

SwagPay Cons

  • Has just one pro
  • Unrealistic earnings claims
  • Inconsistent information
  • Fake payment proofs
  • Additional charges inside the platform
  • Fake support info
  • Unable to cashout
  • Potential hacking danger

1 • Has Just One Pro

The fact that SwagPay’s only pro is that it’s free to join is definitely a con for me.

2 • Unrealistic Earnings Claims

The first thing you’ll see once you land on SwagPay’s main page is a huge banner saying “Make $500-$1000 Today!”.

Besides the obvious setback that earning $1000 in a day is a huge challenge even for seasoned digital marketers since SwagPay will ban your account before it lets you cash out your earnings, you will never be able to earn $1000 with it – not today and not ever.

3 • Inconsistent information

In addition, SwagPay’s website contains so much inconsistent information that it feels like a 5-year-old has put it together.

First of all, on its “About Us” page, there’s a claim that SwagPay has been around for more than 7 years. On another page, it says that SwagPay has been around for more than 10 years and in yet another page that it has been around for less than 5 years (see images below).

The funny thing is that as we’ve already seen, SwagPay’s domain name got registered on 23/6/2019 so at the time of this review SwagPay is less than 3 months old.

SwagPay also claims that it has paid over $10M to 700k members, which is impossible for a platform that young.

Now that I think about it, a 5-year-old would have done a hell of a lot better job.

4 • Fake Payment Proofs

The fact that SwagPay’s payment proofs are all fabricated, is an enormous turn-off for me for two reasons.

First, it proves that SwagPay doesn’t actually pay its members because if it did, they would publish real payment proofs instead of fake ones.

Secondly, those fake payment proofs could lure in tons of people who wouldn’t join the platform if they didn’t exist. 

According to the Federal Trade Commission (FTC), using fake positive testimonials and success stories is considered a violation as it encourages customers to invest in a product or service they otherwise would not, thereby defrauding the customer, which is actually illegal and subject to huge penalties.

5 • Additional Charges

Yeah, I know…

It goes from bad to worse.

Not only SwagPay uses big fat lies and a fake $25 signup bonus to lure you in, not only it will ban your account when you request a payment of your earnings, but it will also require you to subscribe to paid text message services in order to let you complete its tasks.

Of course, there are ways to unsubscribe from those services and stop being charged but would you trust them with your phone number after all that you’ve read until now?

I know I wouldn’t…

6 • Fake Support Info

SwagPay offers support through a Skype address of an “account manager” as well as through an email address.

Both of those addresses are fake.

You can confirm that by trying to contact @swagpayofficial on Skype.

I used an email checker to find out if the email address was legit or not (see image below).
SwagPay Fake Email Address

This means that SwagPay offers no support whatsoever.

After joining it, you are all by yourself…

7 • Unable to Cashout

The biggest con of SwagPay is that the platform will never actually let you get your hands on your earnings.

Even if it didn’t have any other cons and like a thousand more pros, this con alone beats the whole purpose of joining and using the platform in the first place.

SwagPay is an MMO (Make Money Online) platform through which you will never earn money online.

Joining it would be like buying a car with no wheels or a house without a door. It just doesn’t make any sense.

For one last time, if you consider trying SwagPay out, you’ll be wasting your time, effort, and possibly money as well without getting a single penny in return.

8 • Potential Hacking Danger

So, yesterday I attempted to complete one of SwagPay’s tasks on the $30 TaskWall and before I even got to access it my antivirus went off giving me the alert below:

CashOG Malware Alert

As it seems, some of SwagPay’s tasks lead to external websites which contain viruses that could hurt your computer and compromise the security of your personal data.

Such viruses could ruin valuable files and information and even expose the credentials of your social media, email, and bank accounts to several hackers.

I suggest that you stay away from SwagPay if you don’t have an internet security program installed… If you already have accessed SwagPay without having any protection in place, you must immediately purchase an antivirus and scan your entire computer in order to ensure your computer’s and personal data’s safety…

So, What Now?

Okay, so you read this SwagPay review in its entirety…

Now what?

Well, as I see it, right now you have 4 options…

  1. You either waste your time and effort trying to make money with SwagPay (awful choice)
  2. You check out my top suggestions Project 24 or Wealthy Affiliate, which are proven to have helped hundreds of people earn their living online (optimal choice)
  3. You take a look at the dozens of others reviews I’ve put together hoping you’ll find something which suits you better there
  4. Or you walk out of here completely empty-handed, you never take the first step towards earning your living online and you move on living your current life for the years to come, always wondering what would have happened if you had taken action right this very moment

If I were where you are (which I’ve been), I would join Wealthy Affiliate (which is what I actually did).

Here’s why…

  • Wealthy Affiliate is one of the best MMO platforms that currently exist
  • I’ve actually been a premium Wealthy Affiliate member for almost 3 years now and I couldn’t be more satisfied with it
  • Wealthy Affiliate has the most success stories I’ve ever seen in an MMO course. Dozens more are being published daily within its forum-like community
  • It is completely FREE to join (no credit card required and no catches whatsoever)

Make sure to go ahead and find out more about Wealthy Affiliate by taking a look at my Wealthy Affiliate Review.

So, what are you going to do?

Written by:

Harry is the founder and creative director of Dear Boss I Quit. His mission is to inspire and help as many people as possible escape the 9-5 grind forever by building a passive income online just like he accomplished a few years back.

You can read more about Harry’s story right here.

16 Responses

  1. SwagPay sounds like a scheme, in which it seems that I can make money, but the owners are not honoring their commitments and finding excuses for nonpayment, for services rendered by the workers. 

    Like most scams, the owners are unknown and are unreachable, they promise you to to make really big money, also some of their sites are vulnerable to hacking, and you can also get infected with a computer virus.

    In contrast, I am a member of Wealthy Affiliate, which says you only make money with hard work but has free entry, a complete training program, with videos, also any of the members are happy to help you, with any problems.

    Wealthy Affiliate also teaches you to set up your website and teaches you how to get traffic, by finding keywords, and the owners are always available, for consultation and help.

    Definitely a much better option if you asked me.

    1. Thanks for sharing your point of view with us, Robert!

      I will always love Wealthy Affiliate because they’ve given me the opportunity to work from home doing something I actually love.

      To your success,


  2. Thanks for letting us know that SwagPay is not worth it. I have never heard of this before but from what I see it is not worth it as you have listed several disadvantages in payment, administrators, support information and there is a risk of wasted money and a risk of hacking.

    For me, it is a waste of time and money. 

    I would definitely choose the second option, Wealthy Affiliate.

    Thanks again for sharing this informative post!

  3. Wow, thanks for this really nice post. I have heard about this SwagPay and the person who suggested it made it sound so unique.

    However, I decided to make my own research and I came across this post. The idea seems to be really enticing but it has absolutely nothing to offer, I wouldn’t even give it a second look.

    Thanks once again.

    1. They make it sound unique in order to lure you in… 

      That’s a good choice you made.

      Make sure to check out both my recommendations if you haven’t already.


  4. And to think I saw someone suggesting SwagPay was actually legit.

    I am so happy I did not bother myself with it because I would have just wasted my precious times completing surveys and tasks only to not be rewarded for my efforts and besides, sites like these can never help one achieve their financial goals.

    One can never build a business with this line of work.

    1. They were probably trying to refer people back to SwagPay in order to complete the required tasks to qualify for a cashout… Soon they will come to realize that they have been scammed…


  5. I was quite shocked to read that SwagPay never actually pays their members despite all the promises it makes. I have seen this company around the internet a lot and I thought it had a pretty good name, but then I realized they must be riding on the popularity of Swag Bucks.

    I would love to know where they get the income to pay you for referring others if it is free to join in the first place?

    1. Well not really… Swagbucks has nothing to do with SwagPay. 

      Such platforms gain their popularity by getting people to refer others back to them by promising them $10 per referral and $25 as a bonus for signing up.

      SwagPay actually makes its money by getting people to complete their tasks. For instance, if you install an application on your mobile phone through their TaskWall, they earn money. If you submit your mobile phone to one of those paid subscription text message services, they earn money, and so on and so on.

      To answer your question, SwagPay will pay none of its members so it doesn’t really matter if they make money or not and how they actually do that…


  6. Thanks for warning me about SwagPay.

    I had heard about it before and was wondering myself if it was really a scam so thank goodness I read your post first.

    I checked out Wealthy Affiliate and am signing up for it right now.

    It definitely looks like the most sensible option.

    Thanks for the recommendation!

    1. You dodged a bullet there James!

      Let me know how it goes with Wealthy Affiliate… I’ll try to connect with you within the platform.


  7. Another interesting discovery about SwagPay.

    It is indeed disheartening to discover that this platform only gives fake promises and unrealistic claims of earning big money with little to no work.

    Also, the fact that they charge upsells and also, the inability to pay out earnings is obviously a deal-breaker.

    This is a very bad program and I’d rather not waste my time on it.

    1. 99.999% of the platforms which make claims of earning a lot of money fast and effortlessly are scams.

      SwagPay doesn’t have any upsells though… The paid text message services I mentioned are from 3rd party platforms and you won’t get charged if you never submit your mobile phone number to any of them.

      Nevertheless, none of this really matters… Since SwagPay won’t let you have your earnings, it’s just a waste of time indeed.

  8. Generally, I’m not a fan of surveys, I have given some of them a try online in the past and it was no good at all.

    I didn’t try SwagPay though and after reading your review, I am glad I didn’t. It is one of the worst-reviewed survey platforms online with most people saying they couldn’t get their money out.

    Well, there are other better ways to make money online and its advisable for people to take into consideration the recommendations in this post. 

    1. SwagPay has nothing to do with surveys.

      It’s mostly a “pay to refer” website which also contains a few surveys here and there but you don’t really have to complete them if you don’t want to…

      Everything else you stated is true.

      Which of my recommendations are you considering, Wealthy Affiliate or Project 24? 

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