Flex, Pay With HSA/FSA vs Shopwaive Credit, Loyalty & AI
Two Shopify apps, side by side: detected stores, momentum, reviews, plans, listed features and who runs each. Store counts as of Nov 1, 2026 for Flex, Pay With HSA/FSA, Nov 14, 2026 for Shopwaive Credit, Loyalty & AI.
The short answer
- On the Shopify App Store: Flex, Pay With HSA/FSA 5.0 from 7 reviews and Shopwaive Credit, Loyalty & AI 5.0 from 17 reviews.
- Shopwaive Credit, Loyalty & AI lists 52 features Flex, Pay With HSA/FSA’s listing doesn’t mention, including Affiliate programs, Analytics, Automated workflows.
Head to head
- Canada
- Spain
- United States
Momentum
New reviews each month
Review pace is the clearest public read on how fast an app is winning new merchants.
Shopwaive Starter
- · Budgets with expiration dates
- · Customer wallets, balances and profiles
- · Loyalty program with points and rewards
Shopwaive Pro
- · Everything in Starter
- · Export transactions to CSV
Shopwaive Checkout
- · B2B checkout (Shopify Plus) and REST API
- · Branded email (Shopify Plus), AI tools
- · Checkout blocks, upsells (Shopify Plus)
- · Everything in Pro
Coverage counts what each App Store listing names. Every feature, checked off app by app, is in Shoplist.
See every featureFlex allows merchants that qualify to accept HSA/FSA as a payment option directly in the checkout flow.
Shopwaive is a loyalty and wallet app for Shopify. Customers earn loyalty points on paid orders, with Rewards pages in your store and customer accounts. Employees, B2B buyers and customers get wallets in money or points, spent in any amount at checkout on Shopify Plus and in Shopify POS. Budgets give staff and B2B buyers amounts that can expire, like a uniform allowance.
- Accept HSA/FSA payments directly in the checkout flow
- Auto-substantiate during checkout
- Qualify your product with a Letter of Medical Necessity
- Give Credits, Rewards, Points, & Gift cards. Create Upsells that offer Cashback
- Refund & Checkout with Store Credit. Storefront, Shopify POS, & Webhooks
- Drag & Drop Import, Reporting & Analytics. Connect Klaviyo Email & SMS Flows
- Connect Subscriptions, Google Sheets, & Shopify Flow Automations
All the numbers
Every figure, side by side
A green dot marks the app ahead on a measured figure. Estimates, gaps and apps that leave no storefront trace never take the lead.
Adoption
| Measure |  Shopwaive Credit, Loyalty & AI | |
|---|---|---|
| Detected stores | Not published | 3 |
| Net store change, 28 days | 0 | 0 |
| Stores added, 28 days | Not enough data | Not enough data |
| Big-brand share | Not enough data | Not enough data |
| Top store categories | Not published | Apparel & Accessories, Home & Garden, Sporting Goods |
| Top store countries | Not published | Canada, Spain, United States |
Reviews
| Measure | Shopwaive Credit, Loyalty & AI | |
|---|---|---|
| App Store rating | 5.0 ★ | 5.0 ★ |
| App Store reviews | 7 | 17(ahead) |
| New reviews, 28 days | Not enough data | 0 |
| Reviewers a year or more in | Not enough data | Not enough data |
Pricing
| Measure | Shopwaive Credit, Loyalty & AI | |
|---|---|---|
| Free plan | Not listed | Not listed |
| Lowest paid monthly plan | No monthly plan listed | $15/month |
| Longest free trial | Not listed | 7 days |
| Plans listed | Not published | 3 |
Listing
| Measure | Shopwaive Credit, Loyalty & AI | |
|---|---|---|
| Shopify category rank | Not enough data | #108 |
| Shopify App Charts | Not on this week’s charts | Not on this week’s charts |
| Built for Shopify | No | Yes |
| Launched | Nov 15, 2023 | Dec 23, 2021 |
| Languages | 1 | 1 |
| Developer | Flex | Shopwaive, Inc. |
FAQ
Flex, Pay With HSA/FSA and Shopwaive Credit, Loyalty & AI: common questions
- Which has better reviews, Flex, Pay With HSA/FSA or Shopwaive Credit, Loyalty & AI?
- On the Shopify App Store: Flex, Pay With HSA/FSA 5.0 from 7 reviews and Shopwaive Credit, Loyalty & AI 5.0 from 17 reviews.
- What features does each app list that the other doesn’t?
- Shopwaive Credit, Loyalty & AI lists 52 the others don’t mention, such as Affiliate programs, Analytics, Automated workflows, Badges. A feature missing from a listing may still be supported; this compares what each App Store listing says.
- Where does this comparison’s data come from?
- Shoplist crawls Shopify storefronts to detect which apps each store runs, and reads each app’s Shopify App Store listing for reviews, pricing, features and integrations. Store counts are as of Nov 1, 2026 for Flex, Pay With HSA/FSA, Nov 14, 2026 for Shopwaive Credit, Loyalty & AI; estimated figures are labeled.
How Shoplist compares apps
Store counts come from Shoplist’s crawl of Shopify storefronts, which detects the apps each store runs; they are as of Nov 1, 2026 for Flex, Pay With HSA/FSA, Nov 14, 2026 for Shopwaive Credit, Loyalty & AI. Reviews, ratings, plans, features and integrations come from each app’s Shopify App Store listing. 28-day figures are labeled when estimated, and a figure that is missing or estimated never decides who leads. Read the methodology.