Stop Paying 2–4% in Credit Card Fees Get A Dedicated Local Account Manager & Better Technology
Lower your processing costs, upgrade your POS, and get real support from a local Swipe Pay specialist.
A free 10-minute phone call could save you THOUSANDS of dollars and tons of headaches.
Join Thousands Of Businesses That Trust Us To Raise Their Revenue And Grow Their Margins
Billions Processed
Local Support in 40+ States
Up to $7,500 Free POS Hardware
Multiple Pricing Plans
Dual Pricing
Fully Compliant Cash Discounting
0% Processing fees
interchange plus
Lowest Possible Base Rates
Pass-Through Network Pricing
Flat Rate
Predictable Fixed Fees
No Surprises on Statements
Multiple Pricing Plans
interchange plus
Dual Pricing
Flat Rate
Lowest Possible Base Rates
0% Processing fees
Predictable Fixed Fees
Pass-Through Network Pricing
Fully Compliant Cash Discounting
No Surprises on Statements
“I was tired of trying to decode confusing merchant statements every month. Swipe Pay made it simple. No hidden fees, no tricks, just clear dual pricing that puts the choice in the customer’s hands. I’m saving close to $1,000 a month and my staff loves how easy it is to use. Finally, a payment company that doesn’t feel like a scam.”
“We run a fast-paced kitchen and a busy front-of-house, so I need a processor that integrates smoothly and doesn’t slow us down. Swipe Pay delivered. The dual pricing feature is built right into our POS workflow, and we get next-day funding like clockwork. Their support team actually answers the phone and knows what they’re doing.”
“Swipe Pay has been a game changer for my boutique. I used to dread credit card fees now they’re just not my problem. The setup was fast, the rep was super helpful, and I’m actually excited to look at my processing statements. Dual pricing lets me be honest with customers while protecting my bottom line. Win-win!”
“I’ve been fixing cars for 30 years and always took cash to avoid getting burned by card fees. Decided to try Swipe Pay when my daughter showed me their dual pricing setup. It just works. I don’t get charged when folks pay with cards, and customers appreciate the clear pricing. Gotta admit it’s the first payment system I actually trust.”
Why Choose Swipe Pay for Your Merchant Services
Up to $7,500 in Free POS Hardware
Learn About Our 30+ POS Options And $7500 In Free Hardware
✔ Next-Day & Same-Day Funding
Improve cash flow with deposits as soon as the next business day (cut-off times apply). No more waiting days for your own money.
✔ Lower Fees & Transparent Pricing
Reduce your processing costs with flat rate, dual pricing, surcharging, and tailored options for every industry.
✔ POS Systems for Every Business
Access over 30 POS solutions and terminals — restaurants, retail, salons, contractors, mobile businesses, healthcare, and more.
✔ Free POS Hardware Programs
Up to $7,500 in free POS equipment for qualified businesses.
Local Support
✔ Integrations That Actually Work
We connect with your current systems, accounting, online ordering, invoicing, practice management, CRM, e-commerce, and more.
✔ Local, Dedicated Support
Real people. Real help. Your own account manager and 7-day support team.
✔ Online, Mobile & In-Person Payments
Sell anywhere, on your website, social media, invoices, subscriptions, text-to-pay, or in-store.
✔ Chargeback Protection & Security
More approvals, fewer declines, and tools to prevent fraud.
Ready to Outperform Your Competition?
Transparent pricing: No hidden fees or surprises.
$29.95/month subscription: Affordable software plan for any shop size.
Free terminal placement: Hardware provided at no upfront cost.
Expert onboarding: We’ll configure your system, train your team, and load your services.
24/7 support: Always available to help keep your payments flowing.
Industry Types
Industries We Work With
Restaurants
Convenient Stores
Retail
E-Commerce & Online
Auto & Repair
B2B & Business
Beauty & Salons
High Risk
Storage
Gun Shops
Grocery Stores
Healthcare
Industry Types
Industries We Work With
Client Results
Real Businesses. Real Savings. Real Growth.
At Swipe Pay, our mission is to help business owners keep more of their hard-earned money while streamlining how they get paid. From small retail shops to multi-location service providers, our clients consistently experience measurable results within weeks of switching to Swipe Pay.
Here’s what our merchants typically achieve after partnering with us:
Up to 100% Savings on Processing Fees - Many of our clients eliminate transaction costs entirely through our Dual Pricing Program, saving hundreds to thousands of dollars each month.
Faster Payouts - With next-day deposits, businesses maintain healthy cash flow and reduce delays in receiving funds.
Increased Customer Satisfaction - Contactless and chip-enabled terminals make checkout faster and more convenient, improving the overall customer experience.
Seamless Business Management - The all-in-one dashboard allows clients to track sales, view analytics, and manage transactions effortlessly from any device.
Reliable Support & Security - Our merchants trust Swipe Pay’s 24/7 customer support and bank-level data protection, giving them peace of mind with every transaction.
We Help Business's Create Profits
Empowering Entrepreneurs With Smarter Payment Solutions That Maximize Every Dollar.
At Swipe Pay, our mission is simple, to help your business earn more and spend less. We don’t just process payments; we create strategies that turn transactions into growth opportunities. With zero-cost processing, advanced payment analytics, and seamless technology, you’ll keep more of your revenue while improving cash flow and customer experience. Whether you run a retail store, restaurant, or service-based business, Swipe Pay gives you the tools, insights, and support to build a truly profitable enterprise.
Business Funding That Works for You
Swipe Pay Capital
Swipe Pay gives business owners fast, flexible capital with simple requirements and multiple funding options, all in one place.
Types of Capital We Offer
• Working Capital Advances – Fast cash for inventory, payroll, or growth.
• Lines of Credit – Draw what you need, when you need it.
• Term Loans – Longer-term financing with fixed payments.
• Equipment Financing – Upgrade or purchase equipment without draining cash flow.
• Invoice & Receivables Funding – Unlock cash tied up in unpaid invoices.
• Business Expansion Capital – Open new locations or scale operations.
Simple Requirements
• 3+ months in business
• $10,000+ in monthly revenue
• Business bank account
• No hard credit pull for initial offers
• Fast approvals often same day
• Funding as fast as 24 hours
Need Help with social media or a new website and sales funnel?
Meet Ignite Media
Our partner in everything digital business. From E-mail campaigns and social media to website design and sales funnels. Ignite and their team offer affordable plans for every size business, like their starter social media plan 3 posts a week for $149/month.
FAQ
1. How much does Swipe Pay charge for processing credit card payments?
Swipe Pay offers transparent and competitive pricing tailored to fit your business needs. We provide multiple pricing options, including Dual Pricing, Flat-Rate, and Interchange-Plus models, so you can choose the plan that gives you the best value. Many merchants qualify for zero processing fees through our Dual Pricing program, which allows you to offset transaction costs by passing a small service fee to customers who pay with cards. With no hidden fees, no setup charges, and clear monthly statements, Swipe Pay helps you keep more of what you earn.
2. Do I have to buy expensive hardware or equipment to start using Swipe Pay?
Not at all. Swipe Pay makes it easy and affordable to start accepting payments. We offer free Bluetooth card readers, smart terminals, and POS systems to qualifying merchants. Our hardware is plug-and-play, meaning you can begin processing payments in minutes, no complicated installation required. Plus, all devices support contactless payments (NFC), chip cards (EMV), and swipe transactions, ensuring your customers have a fast and convenient checkout experience. You also get 24/7 hardware support to keep your business running smoothly.
3. Can I accept both in-store and online payments with Swipe Pay?
Yes, Swipe Pay provides an all-in-one payment solution that supports in-person, mobile, and online transactions. Whether you’re running a retail shop, a food truck, or an eCommerce store, you can manage all payments from one secure dashboard. Our system integrates seamlessly with popular shopping carts, accounting tools, and invoicing platforms, allowing you to track every sale in real time. You can also send digital invoices, recurring payment links, and virtual terminal requests, giving your customers flexible ways to pay from anywhere.
4. How secure are the transactions processed with Swipe Pay?
Swipe Pay is built on bank-grade security and full PCI compliance to ensure your business and customer data remain protected. Every transaction is encrypted using end-to-end encryption and tokenization, which means sensitive card information is never stored or exposed. We also offer fraud prevention tools, real-time transaction monitoring, and chargeback protection programs to help you minimize risk. With these advanced security measures in place, you can confidently accept payments knowing your business is backed by enterprise-level protection.
We Can Help You!
Simplifying Payments, Empowering Your Business
At Swipe Pay, we make payment processing effortless and affordable. From zero-fee credit card solutions to free POS hardware and fast funding, we help your business save money, boost efficiency, and get paid faster, all with unmatched support.
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