SwipeSimple provides payment acceptance tools for small businesses, including mobile, terminal, and computer-based processing. Its Android and iOS apps support swiped, dipped, tapped, and keyed card payments, with an optional reader for physical cards. The mobile app can accept payments offline when cell reception is poor. A dashboard lets businesses manage customers, review purchase histories and sales trends, and export transaction reports compatible with tools such as QuickBooks and Excel. Invoices can be sent by email or text, shared as links, saved as drafts, and set up with automatic payment reminders. The App Marketplace includes QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews. SwipeSimple says it does not offer public APIs or third-party integrations. It is commonly sold with a merchant account and processing agreement through a provider, who handles account support and billing or fee questions. Starter permits up to three users; Standard and Premium allow unlimited users. Tap to Pay on iPhone requires iOS 17.4 or higher and is available within the 50 U.S. states, not U.S. territories.

Who it is for

SwipeSimple suits small businesses accepting payments on the go, in retail or food-and-beverage settings, or through a computer for B2B and back-office billing. It may fit merchants who need invoicing and offline mobile payments.

What is good

Mobile app supports swiped, dipped, tapped, and keyed payments.
Can accept payments offline when reception is poor.
Invoices support automatic payment reminders.
Dashboard exports reports compatible with QuickBooks and Excel.
Tap to Pay is available on iPhone.

What to know first

Sold with a merchant account and processing agreement from a provider.
Account support and billing questions go to the provider.
No public APIs or third-party integrations.
Tap to Pay on iPhone excludes U.S. territories.

Verdict

SwipeSimple combines mobile payment acceptance with invoicing and business reporting tools. Buyers should confirm plan terms and processing arrangements with their merchant service provider.

SwipeSimple plans and pricing

All plans

SwipeSimple Connect Zero Free Eligible businesses pay $0 to process; card-paying customers cover a 3.5% card fee. Eligibility required home.swipesimple.com · 2 Oct 2026

SwipeSimple Connect — card-present processing $2.61 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 home.swipesimple.com · 2 Oct 2026

SwipeSimple Connect — card-not-present processing $3.51 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 home.swipesimple.com · 2 Oct 2026

Compared on virtual terminal software

Reader required: No
Tap to Pay: Yes
Offline payments: Yes
Payout timing: next_day
Payment methods: Visa, Mastercard, American Express, Discover, ACH, Apple Pay, Google Pay, other contactless digital wallets
Recurring payments: Yes

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The record

Product

SwipeSimple provides payment acceptance tools for small businesses, including mobile payments, terminals, and computer-based payment processing.

Mobile payments

The mobile app supports swiped, dipped, tapped, and keyed card payments, with an optional reader for physical cards.

Offline mode

The mobile app can take payments offline when cell reception is poor.

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.

Invoices

Businesses can send invoices by email or text, share invoice links, save drafts, and configure automatic payment reminders.

Integrations

The App Marketplace includes QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews.

Public API

SwipeSimple’s support page says the platform does not offer public APIs or third-party integrations.

Security

SwipeSimple says its systems and processes are designed to comply with PCI Data Security Standards and that card data is encrypted from reader to backend server.

Support

SwipeSimple is generally sold through merchant service providers, and merchants are directed to their provider for account support and billing or fee questions.

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.

Plan limits

The Starter plan allows up to 3 users; Standard and Premium allow unlimited users, and some features vary by plan.

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.

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.