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SwipeSimple

swipesimple.com

From $19.95/mo Free plan WebiOSAndroid
Visit swipesimple.com
Spec score 8.5 #4 of 28 in Virtual Terminal Software

What it is

SwipeSimple provides payment acceptance tools for small businesses across Android, iOS, and web, with mobile, terminal, and computer-based processing. Its mobile app supports swiped, dipped, tapped, and keyed card payments, with an optional reader for physical cards; it can also accept payments offline when cell reception is poor. Businesses can manage customers, review purchase histories and sales trends, and export transaction reports compatible with tools such as QuickBooks and Excel. Invoices can be emailed or texted, shared as links, saved as drafts, and configured with automatic payment reminders. The App Marketplace lists QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews, while SwipeSimple says it has no public API or third-party integrations. Connect Zero is $0.00 per free for eligible businesses, with card-paying customers covering a 3.5% card fee. Card-present processing is $2.61; card-not-present processing is $3.51. SwipeSimple is commonly sold with a merchant account and processing agreement through a provider, which handles account support and billing questions.

Spec sheet

What it does
SwipeSimple is a payments and small-business management platform for accepting cards and running payment operations.Read 15 Oct 2026 · home.swipesimple.com
Product
SwipeSimple provides payment acceptance tools for small businesses, including mobile payments, terminals, and computer-based payment processing.Read 2 Oct 2026 · home.swipesimple.com
Integrations
The App Marketplace includes QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews.Read 2 Oct 2026 · home.swipesimple.com
Security
SwipeSimple states that its systems are designed for PCI DSS compliance and enforce HTTPS, HSTS, and 256-bit encryption.Read 15 Oct 2026 · support.swipesimple.com
Support
SwipeSimple is generally sold through merchant service providers, and merchants are directed to their provider for account support and billing or fee questions.Read 2 Oct 2026 · home.swipesimple.com
License
SwipeSimple is proprietary commercial software; its terms grant access to object-code software and documentation rather than open-source rights.Read 15 Oct 2026 · home.swipesimple.com
API and extensibility
SwipeSimple describes itself as a closed platform with no public API or third-party integration framework.Read 15 Oct 2026 · support.swipesimple.com
App Marketplace
The marketplace offers QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews.Read 15 Oct 2026 · support.swipesimple.com
Apple system requirement
The App Store listing requires iOS 17.4 or later for iPhone and iPad.Read 15 Oct 2026 · apps.apple.com
Card-data protection
Card data is encrypted from reader to processor with TDES and DUKPT, while decryption infrastructure is separated from core services.Read 15 Oct 2026 · support.swipesimple.com
Company founding
SwipeSimple says it began as CardFlight in 2013.Read 15 Oct 2026 · home.swipesimple.com
Company headquarters and size
LinkedIn lists New York, NY headquarters, 51–200 employees, private ownership, and a 2013 founding year.Read 15 Oct 2026 · linkedin.com
Company legal name
The company changed its legal and operating name from CardFlight, Inc. to SwipeSimple, Inc. on October 6, 2026.Read 15 Oct 2026 · home.swipesimple.com
Company scale
SwipeSimple says more than 125,000 small businesses use the platform and more than 200 partners sell it.Read 15 Oct 2026 · home.swipesimple.com
Dashboard
The dashboard lets businesses manage customers, view purchase histories and sales trends, and export transaction reports compatible with tools such as QuickBooks and Excel.Read 2 Oct 2026 · home.swipesimple.com
Documentation and support
The support center provides knowledge-base articles, FAQs, setup guides, videos, email/help-desk support, and phone support.Read 15 Oct 2026 · getapp.com
In-person payments
Merchants can take payments with mobile readers, Tap to Pay on iPhone, SwipeSimple Terminal, and Register hardware.Read 15 Oct 2026 · getapp.com
Inventory and POS
Standard and Premium add item catalogs, inventory tracking, modifiers, item-level taxes, cash drawer support, and receipt printers.Read 15 Oct 2026 · support.swipesimple.com
Invoices
Invoices can be created in the app or dashboard and delivered by email or text message.Read 15 Oct 2026 · getapp.com
Limit: Capterra workflow
A Capterra reviewer wanted paid invoices combined with the transactions area for easier reconciliation.Read 15 Oct 2026 · capterra.com
Limit: G2 hardware cost
A G2 reviewer complained that replacement card readers must be purchased separately despite processing fees.Read 15 Oct 2026 · g2.com
Limit: Google Play reliability
Google Play reviewers report voided approved transactions, scattered deposits, weak support experiences, and missing split-payment support.Read 15 Oct 2026 · play.google.com
Limit: Trustpilot fees
Trustpilot complaints repeatedly cite unexpected monthly, cancellation, processing, or processor-related fees.Read 15 Oct 2026 · trustpilot.com
Limit: Trustpilot fund holds
Multiple Trustpilot reviewers describe approved transactions or customer funds being held, reversed, or delayed while additional documentation was requested.Read 15 Oct 2026 · trustpilot.com
Mobile payments
The mobile app supports swiped, dipped, tapped, and keyed card payments, with an optional reader for physical cards.Read 2 Oct 2026 · home.swipesimple.com
Notable news: ACH
SwipeSimple announced ACH payments for merchants on August 17, 2026.Read 15 Oct 2026 · home.swipesimple.com
Notable news: App Marketplace
The company announced the SwipeSimple App Marketplace on March 12, 2026.Read 15 Oct 2026 · home.swipesimple.com
Offline mode
The mobile application can store transactions while offline and process them after connectivity returns.Read 15 Oct 2026 · play.google.com
Payment links
Payment links let merchants sell remotely through links shared by email, text, or social channels.Read 15 Oct 2026 · home.swipesimple.com
Plan limits
The Starter plan allows up to 3 users; Standard and Premium allow unlimited users, and some features vary by plan.Read 2 Oct 2026 · support.swipesimple.com
Praise: Capterra service
Capterra reviewers repeatedly mention convenience, invoicing, automation, affordability, and responsive customer service.Read 15 Oct 2026 · capterra.com
Praise: G2 portability
A G2 reviewer praised the compact reader, long battery life, straightforward payment flow, and usefulness for mobile businesses.Read 15 Oct 2026 · g2.com
Praise: GetApp usability
GetApp reports a 4.7/5 ease-of-use score and strong feature scores for card processing, recurring billing, reporting, and payment options.Read 15 Oct 2026 · getapp.com
Pricing availability
SwipeSimple says it is commonly sold with a merchant account and processing agreement supplied by a merchant acquirer, ISO, agent, financial institution, or processor.Read 2 Oct 2026 · home.swipesimple.com
Public API
SwipeSimple’s support page says the platform does not offer public APIs or third-party integrations.Read 2 Oct 2026 · support.swipesimple.com
QuickBooks integration
QuickBooks Online Sync exports approved SwipeSimple transactions and costs $19.95 per month.Read 15 Oct 2026 · support.swipesimple.com
Rating on Apple App Store
4.8 out of 5 from 5.6K ratings.Read 15 Oct 2026 · apps.apple.com
Rating on Capterra
5.0 out of 5 from 5 reviews.Read 15 Oct 2026 · capterra.com
Rating on G2
3.8 out of 5 from 3 reviews.Read 15 Oct 2026 · g2.com
Rating on GetApp
4.7 out of 5 from 7 reviews.Read 15 Oct 2026 · getapp.com
Rating on Google Play
4.7 out of 5 from 3.37K reviews.Read 15 Oct 2026 · play.google.com
Rating on Trustpilot
2.1 out of 5 from 17 reviews.Read 15 Oct 2026 · trustpilot.com
Recurring billing
Standard and Premium plans include recurring or subscription payments, installments, and scheduled payments.Read 15 Oct 2026 · support.swipesimple.com
Reporting
The reporting dashboard provides real-time transaction data, sales trends, customer records, and exportable reports.Read 15 Oct 2026 · getapp.com
SDK history
The company began with a developer toolkit for smartphone card payments but says that SDK was later retired.Read 15 Oct 2026 · home.swipesimple.com
System requirement
The current plan comparison says app and terminal software must be version 8.0 or later for all plan features.Read 15 Oct 2026 · support.swipesimple.com
Tap to Pay limit
Tap to Pay on iPhone requires iOS 17.4 or higher and is available within the 50 U.S. states, but not U.S. territories.Read 2 Oct 2026 · support.swipesimple.com
Text to Pay
Text-to-pay sends customers a payment request that they complete on their own device without installing an app.Read 15 Oct 2026 · play.google.com
Virtual terminal
A browser-based virtual terminal handles keyed and card-not-present transactions from a computer.Read 15 Oct 2026 · getapp.com
Who it serves
SwipeSimple describes its customers as small businesses accepting payments on the go, in retail or food-and-beverage settings, or from a computer for B2B and back-office billing.Read 2 Oct 2026 · home.swipesimple.com

Plans and prices

SwipeSimple Connect Zero Free processing Eligible businesses only · card-paying customers cover a 3.5% card fee Read 15 Oct 2026 · home.swipesimple.com
SwipeSimple Connect — card-present processing $2.61, paid once Per transaction when you tap, dip, or swipe a card or contactless payment device. No setup fees · No annual fees · No batch fees · No statement fees · No PCI compliance fees Read 2 Oct 2026 · home.swipesimple.com
SwipeSimple Connect card-present processing $2.61, paid once per transaction Tap, dip, swipe, or contactless transactions · no setup, annual, batch, statement, or PCI fees Read 15 Oct 2026 · home.swipesimple.com
SwipeSimple Connect — card-not-present processing $3.51, paid once Per transaction for keyed cards, cards on file, invoices, payment links, or online purchases. No setup fees · No annual fees · No batch fees · No statement fees · No PCI compliance fees Read 2 Oct 2026 · home.swipesimple.com
SwipeSimple Connect card-not-present processing $3.51, paid once per transaction Keyed cards, cards on file, invoices, payment links, and online purchases Read 15 Oct 2026 · home.swipesimple.com
QuickBooks Online Sync $19.95 a month monthly add-on Active SwipeSimple and QuickBooks Online accounts required · manual sync · no historical syncing Read 15 Oct 2026 · support.swipesimple.com
SwipeSimple Appointments $29.95 a month monthly · cancel anytime Additional users $14.95 per user/month · no refunds for unused subscription time Read 15 Oct 2026 · support.swipesimple.com
Bluetooth card reader $49, paid once plus tax Pairs with iPhone, iPad, or Android phone/tablet Read 15 Oct 2026 · home.swipesimple.com
Text Loyalty & Reviews Starter $59.99 a month month to month Texting and reviews only Read 15 Oct 2026 · support.swipesimple.com
Text Loyalty & Reviews Standard $95.95 a month month to month Text marketing, loyalty, and review tools Read 15 Oct 2026 · support.swipesimple.com
Smart terminal $299, paid once plus tax All-in-one payment device with receipt printing Read 15 Oct 2026 · home.swipesimple.com

Every SwipeSimple plan and price →

Strong points and limits

Strong points

  • Accepts swiped, dipped, tapped, and keyed card payments.
  • Mobile app can take payments offline.
  • Invoices support automatic payment reminders.
  • Starter allows up to 3 users.
  • Supports Visa, Mastercard, ACH, and digital wallets.

Limits

  • Connect Zero requires eligibility.
  • Tap to Pay on iPhone requires iOS 17.4 or higher.
  • Tap to Pay is unavailable in U.S. territories.
  • No public API or third-party integrations.

Who it suits

SwipeSimple suits small businesses taking payments on the go, in retail or food-and-beverage settings, or through a computer for B2B and back-office billing. Merchants should expect to obtain account support and billing or fee answers from their provider.

Verdict

SwipeSimple covers mobile and computer-based payment acceptance, invoicing, and sales reporting, with offline mobile payments as an option. Before choosing it, confirm the applicable plan, provider agreement, and transaction costs; the listed card-present and card-not-present rates are charged per transaction.

Where Specifiction places it

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