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Merchant accounts and payment processing built for lower costs
Swipesum provides merchant accounts and payment processing for businesses in the U.S. and Canada. Get low-cost cost-plus pricing, processor choice, surcharging options, hardware, gateways, integrations, and ongoing support from one payments partner.
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A merchant account provider without the one-processor lock-in
Swipesum gives you one place to get and manage payment processing while using multiple backend processor relationships to improve pricing, fit, technology, and support.
Low-cost merchant account
Get a merchant account built around your volume, industry, card mix, risk profile, and payment needs, using the backend processor that best fits the account.
Gateway, hardware & integrations
Use the terminals, gateways, ecommerce, invoicing, or software integrations your business actually needs instead of rebuilding around one vendor.
Negotiated cost-plus pricing
Pay transparent wholesale card costs plus a negotiated processing margin instead of being locked into one published rate card.
Surcharging options
Where eligible, Swipesum can help configure credit-card surcharging options around applicable card-network rules and legal requirements.
No Swipesum markup increases
Swipesum does not use teaser pricing followed by discretionary increases to our negotiated processing markup. Card-network, interchange, assessment, or provider pass-through costs can still change.
Ongoing statement audits
Keep reviewing fees, downgrades, pricing changes, and statement issues after launch instead of treating setup as the finish line.
Payment processing for businesses of nearly any size
Whether you are opening your first merchant account, switching processors, adding locations, expanding online, or trying to lower processing costs, Swipesum can provide the payment setup and support you need.
New or expanding businesses
For a first merchant account, a new location, or an expanding business that wants competitive processing from day one.
Businesses reviewing payment costs
For businesses comparing merchant account providers, cost-plus pricing, surcharging, gateways, hardware, or a switch from their current processor.
Businesses adding payment channels
For businesses that need in-person, ecommerce, invoice, recurring, or integrated payments under a setup built to work together.
Businesses that need better support
For businesses that want a payments provider that stays involved with support, pricing, statements, and technology after the sale.
The best merchant account is the one with the lowest total cost and the right setup
A low headline rate is not enough. Swipesum combines negotiated pricing with processor choice, hardware, gateways, integrations, surcharge options, support, and ongoing cost review so you can optimize the full payment setup, not just one advertised rate.
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Get your merchant account without the usual processor runaround
Tell us about your business
Share what you sell, how you accept payments, your current provider if you have one, and your monthly volume.
We build your payment setup
Swipesum provides the merchant account and configures the processor, gateway, pricing, hardware, and support model around your business requirements.
You see the pricing clearly
We show the processing economics, fees, and setup before you move forward so you know what your merchant account will actually cost.
We get the account live
Swipesum supports underwriting, onboarding, equipment, gateway setup, integrations, and launch so you are not left coordinating multiple vendors alone.
Accept payments the way your customers want to pay
Swipesum supports common payment types across in-person, online, invoice, ACH, and recurring payment needs.
Credit Cards
Accept all major credit cards quickly and securely.
Debit Cards
Give customers more ways to pay with debit.
ACH
Accept bank payments directly as an alternative to card payments.
Online Payments
Take payments online through secure gateways.
In-Person Payments
Accept payments in-store or on the go.
Recurring Payments
Automate subscriptions and recurring billing.
Invoice Payments
Send invoices and get paid faster, online.
Mobile Payments
Accept mobile payments through supported devices and payment setups.
Payment processing for many types of businesses
Swipesum provides merchant accounts and payment processing across many business types, with pricing, processor, gateway, hardware, and support configured around how each business accepts payments.
Retail stores
Restaurants and food service
Service businesses
Healthcare and wellness
E-commerce businesses
Contractors and home services
Professional services
Nonprofits
Why choose Swipesum as your merchant account provider
Swipesum provides the merchant account, payment technology, pricing strategy, implementation help, and ongoing support while using multiple backend provider relationships to avoid locking your business into one option. Entrepreneur ranked Swipesum #1 in Merchant Services in its 2024 Top Franchise Suppliers ranking, and Inc. named Swipesum to the Inc. 5000 in 2023, 2024, and 2025.
You can come to Swipesum for merchant services directly. We structure the merchant account around your business instead of sending you away to figure it out yourself.
We structure transparent cost-plus pricing and use provider competition to push toward lower total processing costs for your specific volume and card mix.
Our team helps coordinate applications, underwriting, gateways, equipment, integrations, and the details required to get payments live.
Swipesum stays involved after your merchant account is live to help with processor support, pricing reviews, statement audits, and changes as your business grows.
