PayLolly Virtual Terminal vs SwipeSimple

PayLolly Virtual Terminal lets businesses take card payments through an internet-connected device using a browser. PayLolly says it can serve customers anywhere in the world and supports more than 150 payment methods, including Visa, Mastercard, American Express, UnionPay, PayPal, Apple Pay, and Google Pay. Its Smart Routing Engine chooses a payment provider using card, customer, and payment data. Reporting brings transaction information together for KPI reporting, customizable dashboards, and financial report exports. PayLolly states that the service supports over 200 payment processors and 125+ shopping carts, and connects with major shopping carts and e-commerce tools. Businesses can accept payments through no-code payment links, shopping platform integrations, or APIs. Security features listed by the company include PCI DSS Level 1 compliance, a 3DS fraud engine, configurable risk settings, and dispute management. PayLolly says it can set up a Virtual Terminal or Payment Link within hours; website payment integrations typically take a few days. Pricing is available on request, with a described nominal charge for each processed transaction. The company offers a dedicated account manager and 24/7 support.

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.