Swipez Processing is a Pottstown-based merchant services consultancy specializing in credit and debit card payment processing for restaurants, retail, service shops, e-commerce and higher risk categories. Led by a president with decades of payments experience, it places accounts with multiple providers, offers free cost savings analyses and same day funding for most merchants.
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Swipez Processing is a merchant services and credit card payment processing company based in Pottstown, Pennsylvania. The company is led by President Jamie Flaherty, who brings roughly two decades of experience in the payments industry. Rather than operating as a bank, Swipez works directly with merchant account providers and processors, an arrangement the company says allows it to secure card processing rates that are often lower than what a business would be quoted through a traditional banking relationship.
The business serves merchants across a broad range of categories, including restaurants and bars, retail storefronts, maintenance and service shops, e-commerce sellers and CBD and vape retailers. Because the company places accounts with multiple providers rather than a single institution, it can accommodate business types that some processors decline, including higher risk categories.
The core of the business is credit and debit card acceptance. Swipez places merchants with processing providers and configures the account, the rate structure and the equipment needed to accept payments in person, over the phone, on a mobile device or online. All major card brands are supported, including Visa, Mastercard, Discover and American Express.
The company advises existing businesses to have their processing rates reviewed roughly every two years, since interchange schedules, assessments and provider pricing change over time and a rate that was competitive at signup may no longer be. Most merchants placed through Swipez qualify for same day funding, meaning batched transactions can reach the business bank account on the same business day rather than sitting for two or three days.
For businesses already accepting cards, Swipez offers a no-obligation review of current statements and processing habits. The analysis compares existing effective rates and fees against what the company can offer and produces a figure showing the projected monthly difference. The company states that when no meaningful savings are available, it says so directly rather than pushing a switch. Because the review is based on actual statement data rather than estimates, merchants can see where costs are concentrated: interchange, assessments, monthly service fees, batch fees, PCI fees and gateway charges.
Swipez promotes a Cash Discount program for qualifying merchants that is designed to eliminate processing costs to the business. Under this structure, participating merchants pay no monthly fees, no batch fees, no swipe fees and no interchange fees. Interchange typically accounts for roughly 90 percent of a merchant's total processing cost, so removing it represents the bulk of the savings. The program includes a commitment to no rate increases after the first year and no term contracts, and all four major card brands remain accepted. Merchants considering this approach generally need to display pricing and signage consistent with card brand rules, and Swipez assists with the setup and compliance side of the transition.
For businesses opening their doors for the first time, Swipez handles the full account setup: selecting a rate structure, consulting on which hardware fits the operation and submitting the merchant account application. The application is completed through a secure online process in which sensitive information is transmitted only to the bank and underwriter rather than being held locally. New owners who are unsure whether they need a countertop terminal, a mobile reader or a full point of sale system can work through those choices before committing to equipment.
Swipez supports and supplies standalone payment terminals from most major manufacturers, and the company notes that hardware is provided largely at cost rather than marked up. Supported brands include:
Beyond single terminals, the company deploys full point of sale systems and integrates processing with software merchants are already using. Options include Clover, Quantic (geared toward bars, restaurants, CBD and vape shops, liquor stores and food trucks), BLogic onsite server systems with kitchen display capability and offline processing, Retail Cloud, Dejapaypro and SwipeSimple.
Integrations are also available with QuickBooks Online and Desktop, NCR Aloha, Revel, Lightspeed, Focus POS, Lavu, Micros, ParTech, PosiTouch, Shopify, TouchBistro and numerous other POS and SaaS platforms. For restaurants evaluating alternatives to widely marketed systems, Swipez can present competing options and explain the differences in cost structure and ownership of hardware.
For card-not-present and remote payments, Swipez offers virtual terminals and gateway access through NMI, Authorize.net, USAePay, SwipeSimple, Paytrace, Chargezoom, TSYS Cayan, Shift4, PayJunction and proprietary ISO gateways. These allow payments to be keyed in from a computer or phone, which suits contractors, wholesalers and service businesses that invoice.
Mobile acceptance is handled through SwipeSimple, NMI iProcess, Quantic, Dejapaypro, Poynt and 4G-enabled terminals. Merchants can also use their own smartphone and bill customers by email or text message, a practical option for mobile service providers, tradespeople and vendors working events.
On the e-commerce side, the company supports payment integrations for WordPress and WooCommerce, BigCommerce, Magento, Samcart, Drupal, 3dcart, Zapier, Ecwid, Volusion, X-Cart and Zyro.
Swipez offers a set of value added services that extend past card acceptance:
Swipez Processing does not use term contracts, and merchants can cancel at any time without an early termination obligation. Support is available by phone around the clock through the provider network, and the company also assists existing clients with migrating to different programs or software as their operations grow or as payment technology changes. Businesses in Pottstown, greater Montgomery County, Berks and Chester counties and the surrounding region can request a statement review or discuss equipment options by calling (610) 233-6257.
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