SwipeWorks (swipeworks.com) is a merchant account provider headquartered in Milwaukee, Wisconsin. The SwipeWorks website states that the company is “powered by” First Data, which means that it is likely a reseller of First Data contracts. SwipeWorks, Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A., in Walnut Creek, California, and is located at 5594 N. Hollywood Avenue, Suite 203, Milwaukee, Wisconsin 53217. Jeff Commer is listed as the owner of SwipeWorks.

Key Points

  • Sales & Marketing: SwipeWorks does not engage in misleading sales tactics and has not received public complaints about its sales team.
  • Costs & Contract: SwipeWorks appears to offer a standard contract through First Data with interchange-plus pricing.
  • Complaints & Service: SwipeWorks has received fewer than 10 public complaints.
  • BBB Rating: SwipeWorks has a “C” rating with the Better Business Bureau and has received one complaint in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With SwipeWorks

SwipeWorks Products and Services


  • Retail
  • E-commerce
  • Restaurant
  • Grocery
  • Healthcare
  • Petroleum

Response from SwipeWorks

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Sales & Marketing

Key Points - Sales & Marketing

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

SwipeWorks appears to partner with independent sales agents to market its services. The use of independent sales agents is common throughout the industry and tends to be a source of merchant frustration, as these sales representatives can receive little training or regulation. SwipeWorks appears to be an exception, however, as we are unable to locate any negative SwipeWorks reviews that allege deception by the company’s sales team.

The company’s website advertises Interchange pass-thru pricing, which is the most transparent rate structure available. However, the company does not disclose its specific markup above interchange, and it does not offer any detailed explanation of how its Interchange-plus pricing model works. It is unfortunately common within the credit card industry for credit card processors to claim to offer “interchange,” “cost-plus,” or “pass-through” pricing but not actually provide that pricing model, and in this case, we are unable to verify whether SwipeWorks offers true Interchange-plus. Given the lack of complaints contradicting the company’s claims, we will not lower its grade, but we advise merchants to inquire as to the specific details of the company’s pricing structure.

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Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

As noted above, SwipeWorks claims to offer Interchange-plus pricing to its merchants, which is usually the most transparent and competitive rate structure available. We are currently unable to locate any specific terms of the company’s standard First Data contract, such as early termination fees, service lengths, PCI Compliance fees, monthly minimum fees, or other fees. Since First Data is a very large company, it likely offers a wide variety of potential contract terms depending on a merchant’s size, business type, and time in business. If you have any knowledge of the standard SwipeWorks contract, please leave that information in the comment section of this review.

Response from SwipeWorks

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Complaints & Service

Key Points - Complaints & Service

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

We are currently unable to locate any SwipeWorks complaints that describe the company as a scam or a ripoff. This spotless complaint record indicates that the company employs a capable customer service staff to go with its seemingly competitive contract terms. An alternative explanation might be that SwipeWorks outsources its customer service to First Data, which could result in some SwipeWorks complaints getting funneled to the online profiles of the larger company. In the absence of any evidence that this is occurring, we are awarding the company an “A” rating in this category for the time being. The SwipeWorks website lists dedicated contact information for 24/7/365 customer support.

Response from SwipeWorks

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Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

SwipeWorks currently has a “C” rating with the Better Business Bureau and is not BBB-accredited. The company has received one complaint since the profile was created in August 2015. This complaint was classified as an advertising or sales issue, but the contents of the complaint describe a situation in which First Data held more than $20,000 of the merchant’s funds. SwipeWorks has not responded to this complaint at all, which the BBB claims is the primary factor lowering its score. By not responding to the complaint, SwipeWorks has earned a lower grade than an “A,” but since the issue is largely a First Data-related issue, we have adjusted the BBB’s rating to a “B” for the purposes of this review.

Response from SwipeWorks

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SwipeWorks Logo

SwipeWorks Bottom Line

According to all available information, SwipeWorks rates as a reliable merchant services provider. We are currently unable to locate specific details about the company’s contract terms, but it is showing only one complaint across all consumer protection websites. The company’s overall rating is most severely impacted by its BBB profile.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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