How to Compare Credit Card Processing Proposals: A Side-by-Side Checklist
A practical checklist for comparing payment processing offers: effective rate, pricing model, every fee line, and the contract terms that decide what you really pay.
Solutions
Merchant services and payment solutions
Pick the path that matches how you take money—then go deep.
Swiped Unlimited helps merchants evaluate processing cost, hardware, POS, online acceptance, and day-to-day support. This page is a map to the right conversation—not a claim that every business needs every product.
Start here
Where should you go next?
Use the path that matches your operation. Each links to a page written for that workflow.
Restaurants
Tips, tabs, kitchen/FOH, and POS fit for food service.
Retail storefronts
Terminals vs. full POS, counter checkout, phone-order links.
E-commerce & online
Gateways, virtual terminals, invoices, and recurring billing.
Auto dealerships
Sales, Service, Parts, and Body Shop payment workflows.
POS partners
Decision guide for Clover, Square, Quantic, TouchBistro, and more.
Compare processors
Interchange, markup, and what to check on a proposal.
Payment terminals
Hardware for the counter when you need acceptance first.
Invoicing & payment links
Get paid without writing card numbers on paper.
Statement analysis
Send statements when cost—not hardware—is the open question.
What merchants usually evaluate
Capabilities, explained without the slogan layer
Most conversations land in a few buckets: how cards are accepted, how cost is structured, how remote payments work, and who helps when something breaks. Below is orientation—details live on the linked pages.
- Credit card processing — transparent discussion of fees and statement lines; we do not promise “no hidden fees” as a slogan. Compare →
- Pricing programs — traditional, surcharge, or cash discount / dual pricing where appropriate. Rules vary; treat details as subject to review. Pricing → · Zero-fee program →
- Terminals and hardware — including Dejavoo / iPOSpays setups we configure and support. Terminals →
- Payment links and invoicing — so staff are not taking card numbers over the phone. Invoicing →
- Virtual terminal and gateway — card-not-present acceptance from the office or online. E-commerce →
- Reporting and reconciliation — batches, refunds, and deposits the books can close against.
- Swiped Concierge — chargeback and dispute support so notices have an owner.
- Working capital — including merchant cash advance style funding when it may fit; explained in plain words, with no implied approval. Funding →
Compliance-adjacent programs (surcharge, dual pricing, PCI wording) need human review before you treat site copy as authoritative for a live launch.
Card-not-present
Stop taking card numbers over the phone
Writing card numbers on sticky notes creates risk and errors. Payment links and email or text invoicing let the customer pay on their own device while the payment still lands in your reporting.
- Fewer callbacks from mistyped numbers
- Less card data sitting in the building
- A cleaner trail for service, parts, and remote tickets
Merchant capital funding
Working capital conversations—without pressure
Sometimes a business needs cash for equipment, a remodel, inventory, or a slow season. We help merchants understand working capital options—including merchant cash advance style products—and walk the tradeoffs in plain language before anyone decides.
- Equipment — terminals, kitchen gear, or shop tools.
- Expansion — a new location, remodel, or staffing ramp.
- Seasonal cash flow — smoothing slow months (for example Shore seasonality or dealership lulls).
Funding is not guaranteed. Terms, cost, and fit vary. Ask for a straight answer on whether it makes sense for your situation.
Next step
Tell us how you take payments today
Point us at your industry page, or describe the workflow. We will help you choose the next useful conversation—POS, terminals, online setup, or a statement review.
1.844.510.5600
Headquartered in Monmouth Beach, NJ
Not sure where to start? Start with the statement—or a call
If cost is unclear, send recent statements. If the question is hardware or workflow, book 30 minutes and bring how you sell today.
Get a free statement analysis Talk to a real person Schedule 30 minutes