SwipeSimple Review 2021: Pricing, Features, Top Alternatives

SwipeSimple Review

SwipeSimple is a mobile POS system provided by payments technology provider CardFlight. It comes with a broad range of features that can serve both merchants on-the-go and merchants who sell behind a countertop. Plus, SwipeSimple partners with some of the top merchant account providers, giving you the flexibility to find a service that best fits your needs.

SwipeSimple is a turnkey solution for merchants looking to run payments via a mobile device. The product is offered by CardFlight, a merchant services company that builds point of sale (POS) technology for iOS and Android devices. CardFlight offers its SwipeSimple payments solution through partnerships with numerous merchant acquirers. On the SwipeSimple website, CardFlight says it works with 15 of the top 50 merchant acquirers in the United States.

Therefore, you are likely to come across SwipeSimple as you search for a merchant acquirer for your business. So, let’s learn a little bit more about SwipeSimple, including what it is, what it offers, and how much you have to pay for it. We’ll also compare it with a few other leading mobile POS solutions so you come away with a complete picture of the market.

What Is SwipeSimple?

SwipeSimple calls itself a mobile POS solution, but it can actually function as a complete POS option for small businesses. This is possible thanks to the fact that the SwipeSimple mobile app can work on all iOS and Android devices, plus desktop computers. Pair this with the POS hardware SwipeSimple resells, and you have yourself a complete POS system.

Because of this, the SwipeSimple solution can work for a plurality of businesses. On its website, SwipeSimple says it can provide payment functionality for retail, professional service businesses, food trucks, beauty salons, quick-service restaurants, and more.

However, one cannot just acquire their POS system directly through SwipeSimple. Instead, you have to work with a merchant acquirer that offers the SwipeSimple Payments solution. We already mentioned that SwipeSimple works with 15 of the top 50 merchant acquirers in the US. This list includes names like First Data, TSYS, WorldPay, and Payment Depot.

If you work with one of these merchant acquirers, you’ll be able to access SwipeSimple’s full range of features, including encrypted card readers, payment terminal apps, a reporting and admin dashboard for merchants, and a payment gateway that supports all major processors.

Let’s get into more detail about everything the SwipeSimple platform provides.

SwipeSimple Capabilities

The SwipeSimple platform packs a big punch. Here is everything you can expect.

Payment Processing

SwipeSimple has the functionality to process magstripe (magnetic strip), EMV (chip cards), and contactless payment methods and accept all major credit card networks (Visa, MasterCard, American Express, Discover). However, your payment processing and merchant account will be provided by your merchant acquirer—meaning they will determine the rate you pay.

POS Hardware

As previously mentioned, SwipeSimple works on all Android and iOS devices. That includes iPhones and Android phones as well as iPads and Tablets. In terms of additional hardware, SwipeSimple offers two different Bluetooth-enabled mobile card readers that can turn your mobile device into a payment terminal.

The first option is the Swift B200, which can accept EMV and magstripe methods of payment. For merchants that also need to accept contactless payments, SwipeSimple offers the Swift B250. Note that not all payment processors are compatible with these payment terminals, so be sure to check with yours first. SwipeSimple also sells cash drawers and Bluetooth receipt printers to accommodate retail merchants.


The POS app is the heart of the SwipeSimple product. There is a version that runs on mobile devices and a register version that runs on iPads and Tablets. Here is a comprehensive list of all the features you can expect from the SwipeSimple app:

SwipeSimple features for iPhone and Android devices:

  • Integrated mobile card reader
  • Transaction stats over the past 24 hours, 7 days, and 30 days
  • Voids and refunds
  • Text or email receipts to your customers
  • Take payments without an internet connection
  • Customization of printed receipts
  • Enable multiple merchant accounts
  • Signature prompt modifications
  • Set sales tax rate
  • Arrange custom tip prompts
  • Save cards on file
  • Set recurring and scheduled payments
  • Virtual terminal (key in transactions taken over the phone)

Additional features for iPads and Tablets:

  • Track inventory
  • Add product photos
  • Create “favorites pages” of popular items
  • Track employee performance
  • Manage access permissions
  • Access reports and analyze sales trends
  • Calculate sales tax
  • Integrate cash drawer
  • View daily transaction reports

Desktop Portal

Along with the POS app for mobile devices, SwipeSimple also has a web portal with additional features that merchants can access. Here is a rundown of what you can do within the web portal:

  • Create custom digital invoices
  • Send invoice reminders
  • Save cards on file
  • Schedule future payments, offer installment payments, and set up recurring payments
  • Reduce fraud and lower fees with Address Verification Service
  • View past and scheduled transactions
  • View customer transaction history and resend or reprint receipts
  • Manage custom tax rates
  • Add and edit product names, photos, and inventory
  • Virtual terminal
  • Integrate with POS app


One of the most robust features of the web portal is the reporting suite. Within the reporting suite you can view analytics designed to give you insight into who your top customers are, what your top-selling products are, and who your top-performing employees are. All reports can also be exported by date range.


The entire SwipeSimple platform is PCI compliant and does not charge additional fees for meeting compliance standards. All transactions through SwipeSimple are encrypted, and every SwipeSimple reader is assigned a unique serial number for tracking purposes.

Customer Service

SwipeSimple offers email and phone support during normal business hours. Note that for issues with payment processing, you’ll have to contact your merchant acquirer. There is also a Support Center with guides and tutorials on how to use SwipeSimple.

In addition, there are pages where you can learn if your credit card reader is compatible with SwipeSimple, and what to do if you’re new to the platform. Finally, SwipeSimple has a Content Hub with video guides on the various aspects of the SwipeSimple platform.

SwipeSimple Price

The price you will pay to use SwipeSimple is entirely dependent on your merchant acquirer. On the SwipeSimple website, it says “your merchant service provider would be the best point of contact for details regarding your contract. Please note SwipeSimple does not set any fees for merchants.”[1]

SwipeSimple Pros

Now that we have touched on everything SwipeSimple offers to merchants, here are what we see as the benefits of using this system:


For a mobile POS system, SwipeSimple packs a big punch in the features department. What you get from their POS app is just as good if not better than what you’d get from a major payment service provider like Square. Features such as invoicing, virtual terminal, and recurring payments are typically things you’d have to pay a premium for, but with SwipeSimple they come built right into the system. Like we said earlier—SwipeSimple may call itself a mobile POS system, but it certainly has enough to work as a countertop POS for small businesses.


Another thing we love about SwipeSimple is that it works with a lot of different merchant acquirers, giving merchants the flexibility to find a merchant account that works best for them. This is a big benefit compared to a payment service provider like Square, which requires you to use their aggregated merchant account. By going with your own merchant acquirer, you’ll get access to services more tailored to your business’s needs, and experience fewer disruptions in service.

SwipeSimple Cons

We couldn’t find a lot to dislike about SwipeSimple. If there was one thing we’d like to change about the platform, it’s that we want customer service to be available 24/7. After all, if you’re experiencing technical issues, you wouldn’t want to have to wait until Monday to find out a way to fix it. We’d also like to see SwipeSimple work with more third-party credit card readers. Other than that, we can’t really find too much to complain about with SwipeSimple. It is a solid mobile POS option with a lot of built-in tools.

SwipeSimple User Reviews

Here is what customers have to say about SwipeSimple on major customer review websites:

  • Google Play Store: 4/5 stars [2]
  • Apple Store: 4.8/5 stars [3]

In negative reviews, users complain of glitchiness within the app, leading to issues like being unable to log into your account, or crashing after processing a high volume of transactions. These issues are particularly pronounced with merchants who use Android devices.

In positive reviews, users tout SwipeSimple’s ease of use and range of features. Many merchants also say they have found it cheaper to use SwipeSimple than major payment service providers.

SwipeSimple Alternatives

If you’re not sold on SwipeSimple, here are some alternatives to compare them to:


Unlike SwipeSimple, Square is a payment service provider, meaning it comes with a merchant account and payment processor built-in. That doesn’t necessarily make it a less desirable option. In fact, many small business owners choose Square because it allows them to have their POS system and merchant account with one vendor. Square also offers a flat rate of 2.75% per transaction for in-person transactions, and also provides every merchant with a free mobile magstripe reader. What’s more, Square’s POS app is free. However, it only works on iOS devices. If Square’s rate is cheaper for your business than the rate being offered by your merchant acquirer to use SwipeSimple, Square might be your better option.

Get a Free Reader From Square


Like Square, Stripe is a payment service provider. The difference between Square and Stripe is that Stripe offers a more customized integration, allowing you to build a payments solution that matches exactly what your business needs. Stripe also sells credit card terminals, has 24/7 customer service, and provides merchants with a machine-learning fraud detection system at no additional charge. In terms of price, Stripe payment fees are a flat 2.9% + $0.30 for every online credit card transaction and 2.7% + $0.30 for every in-person credit card transaction using a Stripe terminal.

Payment Depot

Lastly, there’s Payment Depot—which isn’t exactly an alternative to SwipeSimple, but actually a purveyor of its platform. The reason we are recommending this merchant acquirer is that they offer some of the best payment processing rates on the market. With Payment Depot, you’ll pay the wholesale interchange rate (the lowest possible rate) plus a small transaction fee ranging between $0.05 and $0.15. Note that you’ll also have to pay a monthly membership fee between $49.99 and $199.99 per month, but if you’re processing fees exceed this amount, Payment Depot is a great option for you. Paired with the advanced features of SwipeSimple, Payment Depot is an affordable and high quality solution for your business.

Is SwipeSimple Right for Your Business?

If your merchant acquirer resells SwipeSimple as a payment solution, we feel it’s one of the best options you can choose (given that the rate is reasonable). SwipeSimple’s combination of features and flexibility are on par with most top-tier POS systems, so they should be able to facilitate most of your business’s needs. Contact your merchant acquirer to see if they offer the SwipeSimple mobile POS solution, and try it out for yourself.

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Matthew Speiser
Contributor at Fundera

Matthew Speiser

Matthew Speiser is a former staff writer at Fundera.

He has written extensively about ecommerce, marketing and sales, and payroll and HR solutions, but is particularly knowledgeable about merchant services. Prior to Fundera, Matthew was an editorial lead at Google and an intern reporter at Business Insider. Matthew was also a co-author for Startup Guide—a series of guidebooks designed to assist entrepreneurs in different cities around the world.

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