What Is Swaypay? Is It a Good Way to Make Money on TikTok?

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Do you buy stuff? Are you a dedicated TikTok user?


If you can answer “yes” to both questions, then you need to know about Swaypay.

Swaypay is an ingenious company that was started by a successful entrepreneur who has appeared on Shark Tank. If you want to buy your favorite products, post about them on TikTok and get paid for it, then you’ve got to keep reading.

Key Takeaways

  • Despite sounding too good to be true, Swaypay is absolutely a legitimate business and a great way for you to earn a side income.
  • The more creative your posts are and the more followers you have, the more money you are likely to earn just for doing stuff that you’re already doing.
  • Some TikTok users are making $1,000 or more every month just by shopping and then making great posts on their favorite social media channel.

What Is Swaypay?

Is TikTok your go-to social media platform? If so, then you may be missing out on opportunities to earn money just for using it.

That’s because a new app called Swaypay now makes it possible for TikTok users to quickly and easily earn as much as 100-percent cash back on purchases from their favorite brands.


You know how you create a TikTok post every time you buy a new pair of shoes or a dress? How about when you satisfy your late-night snack cravings at McDonalds? You probably post that to TikTok too.

Wouldn’t it be great if you could get paid for doing that?

Thanks to Swaypay, you can.

You can participate in Swaypay even if you don’t have a large following. However, the more people who follow you, the more money you are likely to earn. Plus, if one of your posts happens to go viral, then you’re in line to earn an extra bounty of cash that could have you earning thousands of dollars on every purchase you make.

How Can You Participate in Swaypay?

It’s helpful if you are already a dedicated and knowledgeable TikTok user with a public account. You don’t have to have a huge following to start earning money, though Swaypay does recommend having at least 2,000 followers to ensure that your posts are reaching a large enough audience.

All you have to do is download the Swaypay app. Then, browse through the list of participating brands, which currently includes recognizable names like Uber, Champion and Nike.


Create a TikTok post that features one of these participating brands and submit a link for your post to the Swaypay app.

The powers that be at Swaypay will then grade your post and issue between five and 100-percent cash back on your purchase. How much you get paid depends on the quality of the content and how well the post performs. Should your post go viral, you could earn significantly more in cash rewards.

Is Swaypay for Anyone to Use?

Swaypay does not require you to have a certain number of followers in order to participate. However, you do have to be at least 14 years old and living in the continental United States. Additionally, Swaypay users are required to be active users of TikTok who produce quality content and have solid engagement. To receive your cash, you must have either a PayPal or Venmo account.

Swaypay is still a relatively new company, so it stands to reason that some of these requirements may change over time. For example, the service may become available to people living outside of the continental U.S. It further is possible that Swaypay will become available on other social media platforms.

Is Swaypay Too Good to Be True?

Some people might think that this all sounds too good to be true, but Swaypay is a legitimate business that was founded by a Shark Tank entrepreneur. Investors in the venture include people from Pinterest, Facebook, Snapchat and TikTok.

Of course, none of this would work without brands being willing to participate. Luckily, that list of brands seems to grow every day. Current participating brands include:

  • Dunkin
  • ThredUp
  • Chipotle
  • Urban Outfitters
  • Champion
  • McDonalds
  • Nike
  • American Eagle
  • Starbucks
  • Levi’s
  • Fenty Beauty
  • Taco Bell

That means that you can buy merchandise from any of these brands, post about it on TikTok, send a link for your post to Swaypay and start earning money.


How Much Money Can Be Earned with Swaypay?

There are no limits on how much money you could potentially earn. Most participants earn an average of $15 for each post. However, top performers are able to earn more than $1,000 every month.

Each brand decides how many posts they will pay for. As an example, some will only offer cash rewards for one post a week by a particular TikToker, but others may be willing to pay for multiple posts in one week by the same user. Just don’t forget to submit links to each eligible post to Swaypay to make certain that you can earn.

Also, keep in mind that Swaypay currently is only available on TikTok. The founder makes it sound like posts on other social media platforms may be able to start earning in the future.

Making Sure You Get Paid the Maximum

Swaypay and the participating brands don’t pay you for just any old video or mention. Instead, it’s essential that you follow a few guidelines to maximize your payments.

Perhaps the most critical guideline is that your posts must be high-quality and creative. No basic, blink-and-you’ll-miss it videos will do. Make certain that whatever item you purchased is from a participating brand and that it is the “centerpiece” of your post. Try to keep the product in the frame for as long as possible as this will get you more valuable rewards.

Swaypay absolutely forbids blasting of brands or individuals, and no bullying is allowed. Moreover, each submitted post is required to tag and hashtag the brand in the post and Swaypay in the caption. Keep in mind that you can only highlight one brand in each post.

Swaypay recommends that users try posts such as reviews, try-ons and hauls. However, they absolutely encourage other formats and creativity is always the goal. Additionally, users are reminded to use plenty of reactions as opposed to staring blank-faced at the camera. If you’re trying a duet, make certain that it is interactive. It’s not enough to put the product in the frame and play a video on the other side.

If you do decide to post a review of a product, try to keep it positive. Remember that brands work with Swaypay to reward customers for creative posts. It’s critical that these posts be honest and authentic, but any posts that appear to attack or blast a brand will not be considered for monetary rewards.

Fine-Tuning Your Results

Swaypay recommends certain strategies to users who are hoping to fine-tune their results so that they can earn even more money. Always keep in mind that the more creative your posts are, the more likely they are to be rewarded. Swaypay suggests looking at top TikTok posts on #swaypay to get some fresh ideas.


Other recommendations include ensuring that the brand is properly highlighted in each post and making more Swaypay posts to earn more money. It also may make sense to try adding posts at different times of the day to deal with the unpredictable TikTok algorithm. The addition of popular sounds or just giving your post more time to get views also can be winning strategies.

Is Swaypay a Good Idea?

You may not realize it, but you are an influencer. Your use of TikTok puts you in this position. If anyone has ever asked you where you got your shoes or your new handbag, you probably realized in that moment that you were an influencer.

You answered their question simply out of the goodness of your heart, but don’t you think that you deserve to get paid for steering other consumers to the same brand?

That’s the basic idea behind Swaypay. Its aim is to redirect money away from Amazon, Facebook and Google. The money that retailers were paying to these companies is now going to consumers thanks to Swaypay.

Accordingly, the idea is restore financial empowerment to retailers and consumers by taking advertisement dollars away from giants like Google and Facebook and putting it into shoppers’ pockets.

It’s a really good idea that could appeal to anyone who shops and regularly uses TikTok.


How much money can I make with Swaypay?

Many factors may affect how much money you earn. For instance, it is crucial that you post high-quality, attention-getting posts if you want to earn maximum cash back. The more basic and boring videos that you produce are unlikely to earn much. The average Swaypay post earns about $15. That’s not a bad return on investment, especially if you would have made the purchase and posted about it on TikTok anyway. However, if one of your posts goes viral, you could find yourself earning much more. Some of the top performers on Swaypay regularly bring home $1,000 or more each month.

How can I earn more money with Swaypay?

The executives at Swaypay put a tremendous premium on high-quality content. It is imperative that the product you purchased be prominently featured in your post. Of course, it further is helpful if you have a larger audience. Swaypay does not require you to have a certain number of followers on TikTok before you begin participating, but they do say that people who have 2,000 or more followers tend to earn more money. Accordingly, it makes sense for you to try to grow your followers using any means at your disposal.

Is Swaypay really free for me to use?

Swaypay absolutely is free for TikTokers to use. It is the brands that pay money to participate, and they are the ones that are paying users for making creative posts about their products. You don’t have to spend any money to start earning cash back with Swaypay.

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