Questions, answered plainly.

You pay one flat monthly membership instead of a percentage of every sale. Then you choose how card costs are handled: pass interchange through at cost on Premium, let credit card customers cover their card cost on Hybrid, or post a card price and pay zero processing fees on Zero. Compare the three plans.

Interchange is the set of rates Visa, Mastercard, American Express and Discover set for every transaction, paid to the bank that issued the card. Every processor pays it and nobody can negotiate it. What changes from one processor to the next is everything added on top.

If you want every customer to pay the same price, choose Premium. If most of your sales are on credit cards and your state allows surcharges, Hybrid lowers your cost. If your customers accept a card price, Zero costs you the least. The calculator shows all three with your numbers.

Your membership tier follows your average monthly volume. If you grow into the next tier, we tell you before anything changes, and you can change plans at any time.

No. There are no statement, PCI, batch, annual, gateway or technology fees on any Swipe Saver plan. Here are 24 fees to look for on your current statement.

No. Every plan is month to month, and you can leave whenever you like.

No. If you cancel, the membership stops and nothing arrives after it.

Tell us your monthly card sales and roughly what you pay, and we'll send a written side-by-side. If you go ahead, we set up your account and equipment, you start processing with us, and then you close the old account. Check your old contract for an early termination fee first; we'll help you read it.

Often, yes. Many terminals can be reprogrammed and we integrate with most point-of-sale systems. Tell us the make and model and we'll confirm before you switch.

A standard countertop terminal or mobile reader is included with your membership. Full point-of-sale stations are quoted separately, and you keep the equipment if you leave.

Shopify, WooCommerce, BigCommerce, Magento, OpenCart, PrestaShop, WordPress, Volusion and ZenCart, through Authorize.net or NMI gateways. See online payments.

Yes. Tap to pay works on the phone you already carry, and you can send payment links by text.

Yes. We underwrite low, medium and high-risk businesses in-house, with banking partners that work with each tier. See high-risk accounts.

Basic business details, the owner's ID, a voided check or bank letter, and recent processing statements if you have them. Online businesses also need a live website with clear refund and shipping policies.

Most applications are decided within a few business days. High-risk files can take longer because the bank reviews more documents. Your specialist tells you what is still needed.

Banks are required to verify the identity of anyone who opens a merchant account. We only use it for underwriting and account setup.

Deposits usually arrive within one to two business days. Your exact funding schedule is confirmed during setup, before your first sale.

Call or email and a person answers. No ticket queue, and no explaining your account again to someone new.

Our gateways and terminals are PCI compliant, and we help you complete your annual PCI self-assessment at no charge, so there is never a PCI non-compliance fee.

Credit card surcharges are capped by card-brand rules, can't be applied to debit cards, and are prohibited in a few states, including Connecticut, Maine and Massachusetts. Cash discount programs are the usual alternative. Read the 2026 rules.

No. Swipe Saver works with businesses based in the United States.