Cashflows Virtual Terminal vs SwipeSimple
Cashflows Virtual Terminal
cashflows.com
SwipeSimple
swipesimple.comSide by side
| Figure | Cashflows Virtual Terminal | SwipeSimple |
|---|---|---|
| Price from | — | $19.95/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| Plans published | 1 | 11 |
| Spec score · Virtual Terminal Software | 7.5 (#13) | 8.5 (#4) |
| Integrations | Cashflows developer documentation provides Shopify Hosted Checkout Pages and WooCommerce plugin integration guidance. | The App Marketplace includes QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews. |
| Payment links | Virtual Terminal can create payment links that customers follow to pay at their convenience. | Payment links let merchants sell remotely through links shared by email, text, or social channels. |
| Security | Cashflows is PCI DSS Level 1 certified, described as the highest level of card data security. | SwipeSimple states that its systems are designed for PCI DSS compliance and enforce HTTPS, HSTS, and 256-bit encryption. |
| Support | Cashflows lists office hours of 09:00–17:00 UK time Monday–Friday and specialist card-terminal support from 08:00–23:00 Monday–Saturday and 10:00–17:00 Sunday. | SwipeSimple is generally sold through merchant service providers, and merchants are directed to their provider for account support and billing or fee questions. |
Plans
Cashflows Virtual Terminal
- Cashflows Virtual TerminalPriced on request
SwipeSimple
- SwipeSimple Connect ZeroFree
- SwipeSimple Connect — card-present processing$2.61, paid once
- SwipeSimple Connect card-present processing$2.61, paid once
- SwipeSimple Connect — card-not-present processing$3.51, paid once
- SwipeSimple Connect card-not-present processing$3.51, paid once
- QuickBooks Online Sync$19.95 a month
- SwipeSimple Appointments$29.95 a month
- Bluetooth card reader$49, paid once
- Text Loyalty & Reviews Starter$59.99 a month
- Text Loyalty & Reviews Standard$95.95 a month
In their own words
Cashflows Virtual Terminal
Cashflows Virtual Terminal has no write-up on Specifiction yet; its figures are above.
SwipeSimple
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.