SwipeSimple

SwipeSimple is a payment platform that turns a phone or tablet into a full-featured point of sale, extended with invoicing, payment links, text to pay, ACH payments, scheduled payments, a virtual terminal and a reporting dashboard.

The range of ways to request money is the real strength, and it reflects how small businesses actually get paid. A customer at the counter taps a card. A customer on the phone gets a virtual terminal transaction. A customer who wants an invoice gets one by email or text. A customer who will not open an email gets a payment request by text message. A repeat customer gets scheduled payments set once and left alone. Each of those is a different collection problem, and a business restricted to one of them chases the rest by hand.

Text to Pay is the most practically useful for trades and service businesses, where the customer is standing in front of you but the invoice is not ready, and email goes unread. ACH payments matter for larger invoices where card fees on a four-figure amount are material.

Customer management stores cards securely so repeat payments process in seconds, which is the mechanism behind both scheduled payments and quick repeat billing. The reporting dashboard covers customer information, sales trends and report exports. An app marketplace includes QuickBooks Online sync, automatically reconciling transactions and removing hours of monthly bookkeeping, plus text loyalty and reviews for repeat custom. Pricing is not published and is arranged through the merchant services provider distributing SwipeSimple.