A payment processor that bills like a utility.
You should be able to read your processing statement in a minute and know what you paid and why. Swipe Saver is built around that one idea.
HOW WE GET PAID
EVERY MONTH, EVERY ACCOUNT
MEMBERSHIPFLAT
INTERCHANGEAT COST
STATEMENT FEE0.00
PCI FEE0.00
BATCH FEE0.00
CANCELLATION FEE0.00
EQUIPMENT LEASE0.00
THAT'S THE LIST
Why a membership, not a percentage.
Every processor pays the same interchange to the card networks. The difference is what gets added on top, and how hard it is to see.
How processing is usually sold
- A percentage of every sale, so the bill grows when your sales do
- Tiered rates that move cards into "non-qualified" buckets
- Monthly, annual, PCI and batch fees spread across a long statement
- Three-year contracts with an early termination fee
- Leased terminals that cost more than buying one outright
How Swipe Saver works
- One flat membership that stays put in a record month
- Interchange passed through at cost, line by line
- No added fees on any plan, listed on our pricing page
- Month to month, with no cancellation fee
- A terminal at no cost, or keep the one you have
What you can hold us to.
We show the math first
Before you sign anything, you see what you pay now and what you’d pay with us side by side, with every line explained. If we can't save you money, we'll tell you.
A person answers
Call or email and you reach someone who knows your account. No ticket queue, and no starting over with someone new.
Every risk tier, in-house
We underwrite low, medium and high-risk businesses ourselves, so a "no" comes with a reason and, where possible, a path to "yes".
Leaving is easy
No contract and no cancellation fee. If a plan stops fitting, you can switch plans or leave without a penalty.
Prices on the page
Our memberships are published, not quoted by guesswork. The only custom pricing is for very high volume or many locations.
Rules followed for you
Surcharge and cash discount programs come with card-brand and state rules. We set up signage, receipts and notices so your program stays compliant.
Who we work with.
Businesses across the United States, from a single food truck to multi-location retailers, online stores and the high-risk industries most processors avoid.
Merchant accounts are provided through our sponsor bank partners, and every account is subject to underwriting approval. Card acceptance runs on the Visa, Mastercard, American Express and Discover networks, plus Apple Pay, Google Pay and ACH.
Want to see where your business fits? Browse the 56 industries we serve, or refer a client if you advise businesses.
What grade does your processor get?
Four quick questions you can answer from memory. You get a letter grade, what you're overpaying each month and a written quote if you want one. No statement needed.