Keep more of every sale with SwipeSimple Connect.
Square’s online fees jump as high as 3.3% + 30¢ starting Jan 13, 2026. Switch to predictable pricing that has never gone up – and faster onboarding built for businesses like yours.

PCI-compliant
Tap to Pay on iPhone
U.S.-based support
Why businesses are looking for alternatives to Square
When online rates move from 2.9% + 30¢ to 3.3% + 30¢, margins shrink, especially for service businesses with frequent smaller transactions.







SwipeSimple vs. Square
2.5% + 15¢,
2.4% + 15¢
Built for how you work
Tap to Pay on iPhone
Accept cards on the spot.

Fast onboarding
Get approved and start taking payments in minutes.
Saved cards & subscriptions
Get paid automatically.
Industry leading support
Call real people and receive help when you need it.
Reports at your fingertips
See totals, taxes, tips, and payouts at a glance.
How it works
We switched because Square kept changing the rules. SwipeSimple's pricing stays flat. That matters when you're running thin margins on service calls.
Step 1
Fill out the form to let us now a little about you - and the SwipeSimple customer show referred you.
Step 2
We'll reach out and guide you thorugh the application process
Step 3
You'll learn about the status of your application.
Step 4
Once approved, we'll send a Bluetooth reader, free, on behalf of your referrer.
More to explore
Simple pricing
SwipeSimple Connect pricing is simple.
You only pay for SwipeSimple Connect processing when you use it.
- 2.6% and 10¢ per transaction when you tap, dip, or swipe a customer’s card or contactless payment device (known as Card-Present transactions)
- 3.5% and 10¢ per transaction when you manually key in your customer’s card details, use a card on file, when a customer pays via invoice, payment link, or makes an online purchase (known as Card-Not-Present transactions)
Once approved, you can begin to accept payments through the SwipeSimple mobile application or website using a mobile device or computer you already own. To be able to tap, dip, or swipe a card, you can also purchase a:
- Bluetooth card reader that connects with your mobile phone or tablet for $49. Tax not included.
- Smart payment terminal for $299. Tax not included.
Chargeback fee: $15
Refunded transactions:
- There are no fees to process a full or partial refund
- Fees that were charged on the original sale are not returned when the transaction is refunded
With SwipeSimple Connect, we keep things simple.
That means no long-term contracts and:
- No setup fees
- No monthly fees
- No annual fees
- No batch fees
- No statement fees
- No PCI compliance fees
When will I receive funds in my bank account?
Payment settlement typically occurs within two business days for transactions processed through your SwipeSimple Connect account.
All the support you need
It's easy to setup your business with SwipeSimple Connect. No training or technical knowledge is needed.
Whether you're accepting credit cards for the first time, or are converting to SwipeSimple Connect from another provider, it's easy to set up, get started, and get paid.
If you do need support, SwipeSimple Connect merchants have access to our world-class support team.
What information do I need to complete the application?
To quickly complete your merchant application you will need to state how your business is structured.
All business structures need to provide a Social Security Number or Tax ID Number (TIN), date of birth, and home address for each individual who owns at least 25% of the business. All business structures also need to provide the bank name, ABA Routing Number, and account number for the business bank account.
Common business structures are:
Sole Proprietorship
The business is owned by one person and tied to that person’s Social Security Number or Taxpayer ID Number.
Limited Liability Company (LLC)
The business is officially registered as a LLC and the legal business name typically includes LLC.
Private Corporation (including C and S corporations)
The business is privately owned and is registered as a C or S corporation. The legal business name typically includes Inc.
Partnership (including GP, LP and LLP)
The business has shared ownership and is either unincorporated or registered as a General Partnership, Limited Partnership, or a Limited Liability Partnership. The legal business name may include GP, LP or LLP.
Nonprofit organization
An organization or group that has been organized as a Not-For-Profit Corporation and has 501(c)(3) or other legal status as a nonprofit.
Government Entity
An entity that has been organized by a national or local government authority.
Publicly Traded Company
The business is a corporation that is publicly owned by shareholders who have ownership in the company and where shares are publicly traded on a stock exchange.
If there are no owners with at least a 25% stake in the company or if the organization is a nonprofit or governmental entity, then the person authorized to submit the application (often known as the Authorized Controller or Control Prong) will need to provide their Social Security Number, date of birth, and home address in the “Add an Owner” section.
What is SwipeSimple Connect?
SwipeSimple Connect is an all-in-one payments solution for small businesses.
As a SwipeSimple Connect merchant you will have access to the following features and services.
SwipeSimple
- The easy-to-use payment solutions software currently used by more than 125,000 small businesses across the US
- Software designed to work on the standard computer and mobile device which you may already own
Merchant processing account with simple pricing
You only pay for the processing when you use it.
- 2.6% + 10¢ per transaction when you tap, dip, or swipe a customer’s card or contactless payment device (known as Card-Present transactions)
- 3.5% + 10¢ per transaction when you manually key in your customer’s card, use a card on file, when a customer pays via invoice or payment link, or makes an online purchase (known as Card-Not-Present transactions)
Hardware devices to expand how you accept payments
- Bluetooth card reader to pair with your iPhone, iPad, or Android phone or tablet for $49 plus tax
- Smart terminal to take payments and print receipts with an all-in-one device for $299 plus tax
Personalized training and support
- Our team helps you get started through personalized setup and training
- The SwipeSimple Support Team is available to help by email and phone
SwipeSimple Connect is provided and supported by CardFlight, the developers of SwipeSimple software. SwipeSimple is also sold through a network of merchant acquirers, regional resellers, and financial institutions. Learn more about our SwipeSimple partners.
Lock in a fair, predictable rate before Square’s 2026 increase
It takes one minute to see your savings
