AppNinjas (Swipe) Overview

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Creators of the “Swipe” Mobile Payment Processing App

AppNinjas ( is the creator of a credit card processing app called “Swipe,” (formerly “iSwipe”) which provides merchants a virtual terminal similar to mobile phone payment processing apps like Square and Pay Anywhere. In fact, the company has actually been around longer than those two competitors.

AppNinjas Location and Ownership

Founded in 2009 by Bryan Kennedy and Zander Ford, AppNinjas was acquired by Inner Fence (one of its competitors) and Merchant Focus in 2010 as part of an apparent joint venture. The company is based in Dublin, Ohio, and is sponsored by HSBC Bank of Buffalo, New York, as its acquiring bank. John Waldron is the CEO of AppNinjas which is headquartered at 5555 Wall Street Dublin, OH.

AppNinjas Review Table of Contents

  • Costs & Contract: AppNinjas offers a month-to-month contract with no early termination fees.
  • Complaints & Service: AppNinjas has received fewer than 10 public complaints.
  • BBB Rating: AppNinjas does not have a profile with the Better Business Bureau.
  • Sales & Marketing: AppNinjas does not appear to hire independent sales representatives and has not received any complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With AppNinjas

AppNinjas (Swipe) Statement Analyzer

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Products & Services Offered

  • Debit and credit card processing
  • In-app transaction history access
  • Customizable digital receipts
  • Tip management
  • AVS and CVV verification
  • Refunds and voids within app

Types of Businesses Served

  • Retail
  • Mobile

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AppNinjas (Swipe) Rates, Fees, and Costs

Key Points

Swiped Rate 1.59% + $0.29 - 1.79% + $0.29
Keyed-in Rate 2.89% + $0.29
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms None

Using a Third-Party Processor

AppNinjas allows merchants to use the app for a monthly fee of $15 (first terminal) or $9 (subsequent terminals) with their existing merchant services providers, but it’s unclear whether the app is fully compatible upon activation, or whether it would be better for merchants to simply use the mobile solutions offered by their existing processors.

MerchantFocus Pricing

For merchants who opt to use AppNinjas’ associated MerchantFocus account, the company’s pricing shares more similarities with a traditional merchant account than it does with competitors like GoPayment and Square. First, the company charges a monthly fee of $25.00 which covers the company’s service fee and a third-party payment gateway fee that is supplied by Next, the company has a three-tier rate model similar to the Qualified, Mid-Qualified, and Non-Qualified models found with traditional credit card processing.

Swiped Debit Pricing

The first tier applies to swiped debit cards (excluding AMEX) and runs at 1.59% plus $0.29 per transaction, but AppNinjas does not bundle the VISA “Dues & Assessment Fee” of 0.11% (0.10% for Discover and 0.11% to 0.13% for MasterCard) into the rate like most other processors do. This means that the effective rate is actually 1.70% for these transactions.

Swiped Credit Card Pricing

The second tier applies to swiped credit cards and will cost an effective rate of 1.9% plus $0.29. The third tier applies to all keyed-in cards and costs an effective rate of 3% plus $0.29. The company’s full rate schedule can be found here. AppNinjas also assesses a $30 fee for each chargeback.

Other AppNinjas Fees

On the positive side, the company has no setup fees, no monthly minimums, no annual/PCI compliance fees, no cancellation fees, and a free card reader. Overall, Swipe’s pricing will cost less than an average merchant account but is slightly more expensive than the cheapest payment processing options available.

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Response from AppNinjas (Swipe)

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AppNinjas (Swipe) Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

AppNinjas has no complaints filed online in other consumer forums and only two below this review (as of this update). One complainant did not describe specifically what the issue was, while the other merchant had a negative sales experience over the phone with AppNinjas. These incidents appear to be isolated and do not indicate a trend of poor support.

AppNinjas Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against AppNinjas. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

AppNinjas Customer Support Options

The company has a dedicated customer service phone number and appears to resolve complaints in a timely fashion. This level of support is consistent with our expectations of top-rated merchant accounts for great customer service. We have therefore assigned it an “A” rating in this category.

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Response from AppNinjas (Swipe)

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AppNinjas (Swipe) BBB Rating Summary

The Better Business Bureau does not have a profile for AppNinjas and it is unclear whether the company shares its profile with Merchant Focus. We therefore will not factor a BBB rating into this review.

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Response from AppNinjas (Swipe)

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates Yes
Discloses All Important Terms No

Incomplete Rate Disclosure

The only strike against AppNinjas’ marketing and sales tactics is that the company does not disclose all of the processing rates on its website. This reviewer had to call the company to get a better understanding of the rates because they are quoted rather vaguely online (pricing is covered below). It was also difficult to find out which devices AppNinjas supports.

Few Sales Complaints

Aside from these issues, no deceptive advertising or marketing appears to be in use by the company, and there is only one complaint that accuses the AppNinjas sales team of unprofessional conduct (found in the comment section below this review). If you suspect that you have been deceived by an AppNinjas representative, we recommend seeking an independent statement audit to find and eliminate hidden fees.

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Response from AppNinjas (Swipe)

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AppNinjas Logo

Our Opinion of AppNinjas (Swipe)

A Decent Mobile Credit Card Processing Option

AppNinjas’ “Swipe” credit card processing app appears to be a good option for most mobile merchants, but the company does have some fierce direct competition that offers no monthly fees, less expensive transaction fees, and flat rate pricing. AppNinjas can improve its rating in this review by offering more transparency of its pricing and supported devices on its website, as well as by expanding compatibility across more devices. Merchants should compare the company’s pricing, features, and support to those offered by top-rated merchant account providers.

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Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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3 Reviews Leave Your Review for AppNinjas (Swipe) Below

  1. Dustin Douglas says:

    Swipe Canada not for the small business, and after dealing with them I wouldn’t recommend to big either.
    I recently was contacted by one of their sales people who upon answering the call said first of he wasn’t trying to sell me anything and was just trying to save my business money. As a guarantee if he couldn’t save me money he would send a $100 cheque for my time. So I spent 20 minutes on the phone with him and we went over my small business’s credit card information including my small projected credit card sales. I was told that my 2.75% rate was unbelievably high and he could get me 2% or lower. As per his request I emailed what documentation I had supporting my current rates. I later received a phone call back from them to figure out what fit me best. They tried pushing a machine at first and I explained I only want the phone swiper like I’m currently using (was free, no extra hidden fees, and 2.75% on swiped cards). The sales guy told me it was $150 for the phone swiper and I said no way, it was free from the company I am dealing with, and he came back oh sorry never mind. Then he says he can do 2.25% which is higher then the 2% or lower I was promised, but I’m okay with that providing I’m saving money, then he proceeds to tell me it’s $99 to get the $2.25%, I don’t know if that was one time, or year (I think year), or what but I replied I’m not paying $99. I explained I would be losing money if I paid 2.25% and $99 instead of staying with the other company at 2.75% flat no extra fees(20 more minutes to find this out). He said that is your choice and abruptly hung up on me which I felt was extremely unprofessional and rude. I phoned back and asked to speak to a manager and asked to file a complaint over the unprofessional behavior. The manager said he would look into it and asked if there was anything else, which I replied yes, I was told if you couldn’t save me money I would receive $100 cheque, I sent in what was asked of me and spent over 40 minutes on the phone and you can’t beat what I have so I believe I am entitled to the $100 cheque. After some discussion the supervisor said he would phone me back later that day or the next to discuss a better rate or some sort of payment. He never called back, big surprise

  2. Brigette Leach says:

    I was generally satisfied with Swipe and AppNinjas until I tried to close the account. The problem wasn’t so much with AppNinja as it was with Merchant Focus, the company that processes for them. Would I do business with either of them again? No.

    1. Phillip Parker says:

      Hi Brigette,

      What happened with Merchant Focus?

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