SwipeWorks Review: Fees, Comparisons, Complaints, & Lawsuits

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SwipeWorks Rating
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image of a phone image of a phone that changes when your mouse hovers over it (888) 794-7311 View Pricing

Powered By First Data (Fiserv)

SwipeWorks, founded in 2007, is a merchant account provider headquartered in Milwaukee, Wisconsin. The SwipeWorks website states that the company is “powered by” First Data (now Fiserv), which means that it is likely a reseller of First Data (Fiserv) contracts.

SwipeWorks Payment Processing

SwipeWorks processes all major debit and credit cards for most business types. Their services include Clover POS systems, mobile solutions, ACH/check processing, e-commerce solutions including virtual terminals and payment gateways, data reporting and analytics, gift and loyalty programs, and cash advances.

SwipeWorks Location & Ownership

SwipeWorks, Inc. is a registered ISO/MSP of Wells Fargo Bank, Concord, California, and is located at 5594 N. Hollywood Avenue, Suite 203, Milwaukee, Wisconsin 53217. Jeff Commer is listed as the owner of SwipeWorks.

SwipeWorks Review Table of Contents

  • Costs & Contract: SwipeWorks appears to offer a standard contract through First Data (Fiserv) with the option of interchange-plus pricing.
  • Complaints & Service: SwipeWorks complaints number fewer than 10 on public complaints forums.
  • BBB Rating: SwipeWorks has no rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
  • Sales & Marketing: SwipeWorks does not engage in misleading sales tactics and has not received public complaints about its sales team.
SwipeWorks payment processing

SwipeWorks offers a variety of standard payment processing services

SwipeWorks Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

We are currently unable to locate any negative SwipeWorks reviews that describe the company as a scam or a ripoff. This spotless SwipeWorks 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 (Fiserv), 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. If you have your own SwipeWorks review to make, please do so in the comments below.

SwipeWorks Lawsuits

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

SwipeWorks Customer Service Options

The SwipeWorks website lists dedicated contact information for 24/7/365 customer support.

We have located multiple SwipeWorks customer service numbers:

(888) 794-7311 – Toll-Free General Customer Service
(800) 542-1894 – Credit Card/Tech Support for accts. starting with 4
(800) 858-1166 – Credit Card/Tech Support for accts. starting with 5
(877) 274-7915 – Credit Card/Tech Support for accts. starting with 26

SwipeWorks does not offer a dedicated email support address, however it does offer a customer support form on its website.

These contact options are close to what we expect from top-rated merchant accounts for great customer service.

SwipeWorks Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total Complaints 0
Resolved 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.

No BBB Complaints or Reviews

SwipeWorks currently does not have a rating with the Better Business Bureau and is not BBB-accredited. The company has received 0 complaints within the past 36 months. The company has also not received any informal reviews on its BBB page, but it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance Overall

Given SwipeWorks’ clean BBB complaint record, we see it fit to award the company an “A” rating in this category. Merchants should be aware that there are good reasons to be skeptical of the BBB’s reviews.

SwipeWorks Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee Up To $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

Interchange Pass-Thru Pricing

As noted above, SwipeWorks claims to offer interchange-plus pricing to its merchants, which is usually the most transparent and competitive rate structure available. However, as a reseller of First Data (Fiserv), the company likely also offers a tiered pricing structure to merchants.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, SwipeWorks also dedicates a portion of its website to advertising its virtual terminal service, run through Clover’s payment gateway. However, neither Clover nor SwipeWorks disclose pricing on that service. Additional SwipeWorks rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Variable Contract Terms

Since First Data (Fiserv) 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. The SwipeWorks contract terms, therefore, could possibly be competitive with the cheapest merchant accounts. If you have any knowledge of the standard SwipeWorks contract, please leave that information in the comment section of this review. We also encourage merchants to check out our list of the providers of the best merchant accounts.

Though pricing and fees of a merchant account will vary by reseller, First Data (Fiserv) typical rates and fees are included in this review for reference. Merchants who process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. First Data (Fiserv) allows resellers to choose between selling month-to-month contracts or service agreements ranging from one to five years.

Most First Data (Fiserv) agreements involve a minimum service length of two to four years, an early termination fee of up $495, and a PCI Compliance fee of $19.95 per month. Merchants also have reported costly, non-cancellable equipment leases lasting for up to 48 months through First Data Global Leasing.

SwipeWorks Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

No Sales Complaints

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. This compares favorably to our list of best credit card processors. That said, if you suspect that SwipeWorks is charging you undisclosed fees, we recommend seeking a free third-party statement audit.

Transparent Pricing Model

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 SwipeWorks 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.

Our SwipeWorks Review Summary

Our Final Thoughts

An Above-Average Credit Card Processor

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. Even when dealing with merchant account providers that rate highly by our standards, merchants are advised to strongly negotiate all contract terms and to compare the company’s contract pricing to top-rated payment processors.

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Your Comments & Reviews

How Did SwipeWorks Treat You?

1 Responses

  • Everett Kathryn

    I am thrilled to share my experience with SwipeWorks – what a game-changer! As a small business owner, managing payments and subscriptions was always a daunting task. But since integrating SwipeWorks into our system, it’s been smooth sailing!

    The user-friendly interface made setup a breeze, and the seamless integration with our existing platforms saved us valuable time. No more chasing down payments or dealing with complex billing issues. With SwipeWorks, it’s all in one place, organized, and easy to track.

    The customer support team is top-notch too! They were incredibly responsive and helped us through any questions we had, ensuring a seamless transition. Our customers are also loving the flexibility and security they experience when making payments.

    SwipeWorks truly exceeded our expectations, and we couldn’t be happier with the results. It’s the perfect solution for any business looking to streamline their payment processes. Highly recommend it!

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