Get Rid of Your Fees & Keep 100% of Your Revenue
Why Join The Nation’s #1 Cash Discount, Dual Pricing & Surcharging Platform?
Keep 100% of Your Card Sales
Swipe4Free lets you keep all of your profits by eliminating your credit card processing fees through our dual pricing platform. All prices of goods/services are displayed in both the cash amount and card amount. The cash amount is discounted from the card amount. Should a customer choose to pay in credit card, there will be no discount applied. We also offer surcharge services. This service applies a surcharge fee (maximum 3%) on all card sales of goods/services which is shown as an additional separate line item to the cost of the item/service.
Accept Card Payments Anywhere.
As a Swipe4Free merchant you have access to a suite of the newest POS systems and terminals that will allow you to take payments anywhere on-the-go, making your job and your customer’s life much easier. Being able to accept payments at any given time opens your business up to a new world of opportunities and profitability.
Reward Cash Paying Customers
Swipe4Free does not only eliminate your business’s card fees with our Surcharge Fee, but it also encourages your customers to pay with cash helping you further avoid card fees and putting cash straight into your pocket. Swipe4free gives your business the unique ability to reward cash paying customers by giving them a lower price.
Dual Pricing is Fully Compliant with Federal and State Laws
Providing the customer the option to pay in card or cash.
The U.S. Has the Highest Interchange Rates
U.S. interchange rates are unregulated, allowing payment card networks (Visa, MasterCard, etc.) to charge what they want at any time. Interchange fees will continue to increase to the merchant.
Raising Your Prices Loses Customers
It has been statistically proven that raising prices costs far more customers than implementing a dual pricing program.
Offset the Rising Minimum Wage Rate
It has been statistically proven that raising prices costs far more customers than implementing a dual pricing program.
Avoid Junk Fees and All Other Miscellaneous Fees
Junk fees are just one example of a junk fee charged by your traditional credit card processor.
Offset Other Constantly Growing Costs of Doing Business
From rising rent to inventory costs, the cost of doing business grows every year for merchants with no relief.
Top Business Types Using Swipe4Free
Delis & Supermarkets
Grocery stores & Supermarkets no longer have to lose customers to Credit Card Minimums and can accept credit cards, regardless of the amount, with no fee.
Pizzerias
Eliminate the minimum sale credit/debit card signs and offset increasing minimum wages and food costs through Swipe4Free. No longer do Pizzerias have to worry about decreased profits from processing fees.
Restaurants
Increases in the minimum wage and other costs make it difficult for restaurants to make a profit. Swipe4Free offsets these costs by eliminating their processing bill.
Bars & Nightclubs
Whether it be a VIP/Bottle Service establishment, a bar, or lounge all can benefit from eliminating processing fees. When people are celebrating or out partying, they are unlikely to complain..
Auto Sales
Auto Sales hit the fast lane with Swipe4Free. From test drives to keys in hand, every dollar you charge is the dollar you keep.
Retail
Retailers are prime candidates for Swipe4Free, because net margins are much smaller compared to other industries. Retailers know that overhead cost, labor, and inventory slims down your margins significantly
Liquor Stores
Using Swipe4Free helps liquor stores recover the profits lost due to increased labor and inventory costs. Swipe4Free has brought increased profit to this industry.
Professional Services
Doctors & Dentists are always complaining about credit card fees, especially when it comes to Co-Pays. Lawyers have no reasons to pay fees when accepting cards for legal retainers. Now, through Swipe4Free they..
Service Industries
Merchants within the service Industry love Swipe4Free. When assisting a customer with needs like Towing, HVAC, Locksmith etc. The customer has no problem paying for the convenience of using their Credit Card ..
Types of No Fee Processing
Cash Discount Program
Cash discount programs mark up all prices to credit card prices and offer discounts for cash payments at the point of sale. Things to remember when considering a cash discount program
Clear Receipts: Indicate the cash discount on receipts.
Limitations:
- Higher Posted Prices: Prices include credit card fees, potentially appearing higher than competitors.
- Legality: Cash discounts are legal in all states, but specific rules may apply.
Cash Discount
$104.00
-
$4.00
$100.00
Cash
$104.00
-
$0.00
$104.00
Card
Dual Pricing
$100.00
Cash
$104.00
Card
Dual Pricing
Dual pricing displays both a cash and credit card prices at checkout, showing customers all options and allowing consumers to choose their preferred payment type. Things to remember about a dual price program:
- Two Separate Prices: One for cash and a slightly higher price for credit card transactions.
- Signage: Inform customers about the two pricing options.
- Legality: Dual pricing is legal in all states and complies with card brand regulations.
Limitations with Dual Pricing:
- Due to the simplicity and transparency of dual pricing, it has one of the lowest barriers of entry for no-fee processing. It receives less customer pushback, easier setup, and fewer legal and regulation hurdles than surcharging or cash discounts.
Surcharging
Surcharging applies an additional fee when customers pay with credit cards to cover transaction costs. Only cash prices are displayed in-store and when the customer chooses the credit card payment option, the surcharge is added to the transaction amount. Things to consider when considering a surcharge program:
- Disclosure: Surcharges must be disclosed to customers before payment.
- Notification: Notify credit card institutions in writing about your intent to surcharge.
No Debit Transactions: Surcharging is limited to credit card transactions only.
Receipt Format: Surcharges must be listed separately on receipts and labeled clearly.
Limitations of Surcharging:
- Legal Status: Surcharges cannot exceed 3% or legal limits set by state laws. Some states prohibit surcharging.
- Extra Administrative Work: Managing surcharges involves additional tasks and potential calculation errors.
- Fewer Payment Options: Many providers do not support surcharge programs. Negative Customer Sentiment: Surcharging can create customer dissatisfaction, impacting sales.
Surcharging
$100.00
Cash
$100.00
+
$3.00
$103.00
Credit Card
Swipe4Free Integrations
Terminals
Our complete list of terminals perfect for any brick and mortar business type
POS Systems
Our complete list of Point of Sale systems perfect for any brick and mortar business type
Virtual Terminals
Our complete list of Point of Sale systems perfect for any brick and mortar business type
eCommerce
Our complete list of eCommerce perfect for the on-the-go business owner using a mobile device
Swipe4Free Savings Calculator
Your Savings
Your Monthly Processing Cost
$360.00
Your Savings Per Month
$310.01
Your Savings Per Year
$3,720.12
$0.90 (3%) Surcharge Fee To Customer
$10,000
What is the Amount of Your Average Credit Card
transaction?
$50,000
How Much is Your Average
Credit Card Processing Bill Per
Month?
$50,000
How Much is Your Average Credit Card Processing Volume Per Month?