SwipeWorks Reviews & Complaints

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How did they treat you? ▼

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 payment processing
SwipeWorks offers a variety of standard payment processing services

SwipeWorks Customer Reviews

Here's What Their Clients Say

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

Clean Complaint Record

Our search did not reveal any negative SwipeWorks reviews labeling the company as a scam or a ripoff. This immaculate SwipeWorks complaint record could be indicative of efficient customer service and competitive contract terms offered by the company. Another possibility is that SwipeWorks might be utilizing First Data (Fiserv) for its customer service, potentially leading to some SwipeWorks complaints being attributed to the larger entity’s online profiles. Without concrete evidence of this, we are currently assigning SwipeWorks an “A” rating in this category. We encourage you to share your SwipeWorks review in the comments section below.

SwipeWorks Lawsuits

No significant class-action lawsuits or FTC complaints have been found against SwipeWorks. Merchants seeking non-litigious ways to address their grievances with the company are advised to consider reporting their experiences to relevant supervisory bodies.

SwipeWorks Customer Service Options

SwipeWorks’s website indicates they provide 24/7/365 dedicated customer support.

Various SwipeWorks customer service numbers are available:

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

While SwipeWorks does not provide a specific email support address, they do offer a customer support form on their website.

These customer service avenues are in line with what is typically offered by highly-rated merchant accounts for excellent customer service.

SwipeWorks Online Ratings

Here's How They Rate Online

Online Ratings Summary
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
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

SwipeWorks advertises that it offers interchange-plus pricing to its clients, which is widely regarded as a transparent and competitive pricing model. Being a reseller of First Data (Fiserv), SwipeWorks might also propose a tiered pricing option to its merchants, alongside interchange-plus.

Virtual Terminal and Payment Gateway Pricing

SwipeWorks highlights its virtual terminal solutions operated via Clover’s payment gateway on its website, yet specific pricing details for these services are not provided openly by either Clover or SwipeWorks. Typically, additional costs such as gateway fees, technical support fees, batch fees, and extra transaction charges may be applicable to these e-commerce services.

Variable Contract Terms

Given First Data (Fiserv)’s extensive market presence, a broad array of contract terms is likely available, influenced by factors such as the merchant’s business scale, industry, and operational history. Consequently, SwipeWorks’ contract conditions might be on par with some of the most competitively priced merchant accounts. Insights into standard SwipeWorks contracts are welcome in the comments section of this review for further clarification. Merchants looking for competitive services should also consider our list of the top merchant account providers.

For context, First Data (Fiserv) typically offers rates such as a swiped rate of 2.69% plus $0.19 and a keyed rate of 3.69% plus $0.19 for merchants with monthly transactions up to $50,000. Those with higher volumes may receive reduced rates. Contracts through First Data (Fiserv) often include a term of two to four years, with an early termination fee up to $495, and a PCI Compliance fee of $19.95 monthly. Additionally, merchants have reported long-term, non-cancellable equipment leases through First Data Global Leasing, extending up to 48 months.

SwipeWorks Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
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

Founded in 2007, SwipeWorks is a merchant account provider based in Milwaukee, Wisconsin. The company is recognized as a reseller of First Data (now Fiserv) contracts, a partnership that enhances its service offerings with robust backend processing capabilities. This relationship allows SwipeWorks to offer a variety of payment processing solutions including Clover POS systems, mobile payment solutions, and e-commerce services such as virtual terminals and payment gateways. Furthermore, SwipeWorks extends its offerings to include data reporting and analytics, as well as gift and loyalty programs, catering to a diverse range of business needs across different industries.

As a registered ISO/MSP of Wells Fargo Bank in Concord, California, SwipeWorks benefits from the credibility and stability offered by a renowned banking institution. This backing, coupled with its strategic partnership with First Data (Fiserv), positions SwipeWorks to effectively handle a substantial volume of transactional data, ensuring reliable and secure payment processing services. The company’s commitment to integrating advanced payment technologies with customer-centric solutions makes it a valuable player in the merchant services market.

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.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did SwipeWorks Treat You?

1 User Reviews

  • 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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