SwipeWorks Review


Credit Card Processors
SwipeWorks Logo
Category Breakdown
Sales & Marketing rated A plus
Costs & Contract rated A
Complaints & Service rated A plus
BBB Rating unrated

Overall Rating


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.

SwipeWorks Products and Services Industries Served
  • Retail
  • E-commerce
  • Restaurant
  • Grocery
  • Healthcare
  • Petroleum

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Sales & Marketing | A+

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? 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 | A

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: Variable
Equipment lease: 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.

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Complaints & Service | A+

Key Points – Complaints & Service
Total 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 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.

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BBB Report | N/A

SwipeWorks is not currently listed with the Better Business Bureau. Since we do not have a detailed knowledge of the company’s contract terms or complaint history at this time, we will not adjust the score in this section, and it will not apply to the company’s overall rating.

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Bottom Line

SwipeWorks Review

Rated 4.8 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-21

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 zero complaints across all consumer protection websites. The company’s overall rating is likely to change once the BBB establishes a profile for SwipeWorks.

This review was originally published on 3/12/13 and was last updated on 4/21/15.

Leave your review of SwipeWorks in the comment section below:


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