Your processor should make running the business easier—not add another problem to manage. We help New Jersey merchants understand fees, match equipment to how they actually work, and get a straight answer on what to change.
Get Started NowSwiped Unlimited is a family-owned payments company headquartered in Monmouth Beach. We help merchants evaluate the parts of payments that affect daily operations—not just a headline rate.
Most owners call because something feels off: deposits that don’t match the batch, a lease they don’t understand, a POS that fights the counter, or a proposal that looks cheaper until the fine print. Sometimes the rate is the issue. Sometimes the problem is equipment, reporting, reconciliation, support, or how departments take payments.
We do not lead with a package. We learn how money moves through the business, then show the math.
We get to know you and your team before we talk rates.
Department by department: how payments are taken, refunded, and reconciled.
We read months of statements line by line—rates, fees, markups, and junk charges.
We show what you pay now and what would change. If staying put is smarter, we say so.
Same people, same numbers. Training, questions, and follow-through.
Sales, Service, Parts, and Body Shop each take payments differently. We help each department get deposits, RO payments, refunds, and reporting straight.
Dealership payments →POS fit, tip flows, and pricing options for restaurants, pizzerias, cafes, and food trucks—with a local team behind them.
Restaurant solutions →Countertop and mobile terminals, retail POS options, and one person to call when the counter needs help.
Retail payments →Gateways, virtual terminals, payment links, recurring billing, and dispute support.
Ecommerce payments →One practical place to start understanding fees, pricing programs, and processor choices.
When a pricing program can offset processing cost—and what has to be true before you turn one on. General information; confirm details for your business.
Tell us about the business. A person from our Monmouth Beach office will follow up. For a full fee breakdown, send recent processing statements through the statement analysis page.
1.844.510.5600
Headquartered in Monmouth Beach, NJ
Verifiable basics. We do not publish customer quotes until we have written permission and a real review to show.
Headquartered on the Jersey Shore. Call 1.844.510.5600 or email jthompson@swipedunlimited.com.
Swiped Unlimited is family owned and operated. Meet the people on the About page as bios and photos are approved.
If your current arrangement is competitive, or the issue is not the rate, we say so. The goal is an informed decision.
You send recent processing statements (typically several months). We break down what you’re paying and which fees are fixed, variable, or worth questioning. Timing depends on volume and completeness of what you send—ask us for the current turnaround when you reach out.
A surcharge is an added fee on eligible credit card transactions where rules allow it; debit and prepaid cards are generally treated differently under card-brand rules. A cash discount (dual pricing) posts a card price and a lower cash price. Which fits depends on your mix of payments and your state’s requirements. This is general information, not legal advice.
New Jersey has a statute that addresses credit card surcharges (often cited as N.J.S.A. 56:8-156.2). Disclosure, amount limits, and card-brand rules all matter, and details change. We help merchants review setup questions—confirm current requirements with qualified counsel before you launch a program.
Then we’ll tell you straight. Sometimes the right answer is to stay where you are, or to fix equipment and workflow instead of switching processors.
Not always. If new terminals make sense, we discuss options and set-up. If your hardware still fits the workflow, we say that too.
We help merchants keep dispute notices from getting lost and responses moving on time. Ask us what support is included for your account.
Contract length, cancellation terms, and every fee category should be clear before you sign. We walk those lines with you on the proposal and the statement.
General information only. Card-brand rules and state requirements change. Swiped Unlimited does not provide legal advice.
A line-by-line look at what you pay today—and a clear recommendation, including when staying put is the better move.
Get a free statement analysis Talk to a real person Schedule 30 minutes