SwipePoint sets up terminals, mobile readers, online checkout, and invoicing for U.S. small businesses — and writes out every line of the rate before anything gets signed. Interchange here. Assessments here. Our markup here. Three lines, no bucket.
Free statement read-through. No obligation, and you keep the marked-up copy either way.
The Free Payment Processing Guide explains what each line on a merchant statement is and who sets it. The statement-audit worksheet is the printable page you sit down with: circle the line, write the amount, and see what is actually being charged for.
Figures describe how this fictional demo listing is structured. They are illustrative examples only — not performance claims, benchmarks, quotes, or guarantees of any savings, timing, or outcome.
Most businesses need two of these, not five. Mix them however your day actually runs — the markup is written the same way on every one.
CounterThe all-day workhorse for a bakery in Asheville or a hardware store in Sioux Falls. Chip, tap, swipe, and manual key-in on one terminal, with a receipt printer and cash-drawer trigger already wired.
GoA pocket reader that pairs to the phone you already carry. Built for mobile groomers in Tucson, market stalls in Portland, and the HVAC tech who wants to close out the invoice in the driveway.
WebHosted checkout pages and a standard API for your existing site, so card data lands on our servers instead of yours. Standard shopping-cart plugins are available for common open-source carts.
InvoiceSend an itemized invoice with a pay-now link, then stop rewriting the same follow-up email. Popular with contractors, consultants, and the two-person design studio billing on net 30.
TableHandhelds that close a check at the table, plus tip adjust, coursing, and split-by-seat. Sized for a 40-seat neighborhood spot in Providence, not a national chain rollout.
Four steps, no surprise paperwork. Scroll and the case walks the route. Day counts are illustrative examples — real timing depends on underwriting, your bank, and hardware availability.
Email or upload a single month of your current merchant statement with the account numbers blacked out. That one document tells us more than a twenty-minute sales call.
We mark which lines are set by the card networks, which are set by your processor, and which are administrative add-ons. You keep the readout whether or not you switch.
Countertop, mobile, online, invoicing, or a mix. Pricing on our listed plans is written out in full before any application goes to underwriting — no lease paperwork stapled to the back.
Hardware ships pre-configured to your business. We walk your staff through a one-dollar test sale, refund it, and stay on the line until your first real batch settles.
Every dollar a processor collects lands in one of these buckets. Two are set by the card networks and identical for everyone. Four are set by your processor — which is exactly why they belong on their own lines. Amounts below are illustrative examples, not a quote.
Paid to the bank that issued your customer's card. It moves with card type, how the card was entered, and your industry. No processor discounts it, and anyone who says otherwise is selling something.
Example: ≈ 1.65% – 2.30% + $0.10The card brands' own slice, charged on volume. It is small, it is identical for everyone, and it belongs on its own line rather than blended into a headline rate.
Example: ≈ 0.13% – 0.15%The only piece a processor actually controls — and the only number worth negotiating. On our listed plans it is printed as a percentage plus a per-transaction amount, not folded into a bucket.
Example: 0.35% + $0.08 per saleOne flat monthly line for the account, gateway, and reporting. Watch for statements that stack three or four separate monthly charges under different names.
Example: $9.95 / monthCovers the compliance questionnaire and scanning portal. The fee to watch is the non-compliance surcharge that appears quietly when a questionnaire lapses past its renewal date.
Example: $99 / year, billed annuallyBatch closeouts, address verification, retrievals, and chargebacks. Individually tiny, collectively the reason a 2.6% quote reads like 3.1% on the statement.
Example: $0.10 batch · $15 chargeback“2.6% and a dime, all in.”
One number covering three unrelated things, with the per-event and monthly charges living somewhere on page two. None of that is unusual in this industry — it just means you cannot tell which part anyone can actually change.
“Interchange at cost. Assessments at cost. Our markup: 0.35% + $0.08. $9.95/mo. $0.10 per batch.”
Same categories, separated. You can hold it next to any competing offer and compare the one number that differs between them. That is the entire point — not a promise that your total goes down.
Every quote separates interchange, assessments, and our markup on three lines. If a number on your statement does not map to a line on the quote, we owe you an explanation.
The plans on this page are month-to-month with no early termination fee. Hardware you buy outright is yours. We do not attach equipment leases to processing agreements.
Next-business-day funding is available on eligible accounts, subject to your batch cutoff time, your bank, underwriting review, and federal banking holidays. Availability is confirmed in writing before you sign.
We help you work through the self-assessment questionnaire and run the scans through our vendor portal, and we send reminders ahead of your renewal date. SwipePoint is not a qualified security assessor, does not certify compliance on your behalf, and cannot guarantee any compliance outcome.
The readout was the first time anyone showed me which fees were the card networks' and which were the processor's. I circled four lines on my old statement I had never once asked about.
Two terminals in the front, one handheld in the bays. They shipped both already configured, ran a test sale with my service writer, and called back the morning after the first batch settled.
I sell in the shop and at three markets a month. Having the counter terminal and the pocket reader on one statement — with the markup written the same way on both — is the part I actually wanted.
Testimonials are illustrative examples written for a fictional demo brand and do not describe real customers or real results.
We would rather you understand your current statement than take our word for anything. Enter your email and both files come straight over — no call required, no card, no obligation to switch a thing.
