Accept credit card payments.

Pay zero processing fees*

See how it works

The Rules have changed

The Swoop Pay Cash Discount Program is a merchant payment processing service that gives you, the merchant, a way to offset your merchant service fees without increasing your sale price. It is a method of passing a service fee to all customers while giving a discount to those who pay with cash.

Conventional (old)

  • VISA/Mastercard
  • Acquiring Bank
  • MerchantProcessing fee
  • Consumer

Merchant Cash Discount(new)

  • VISA/Mastercard
  • Acquiring Bank
  • MerchantEliminates up to 100% of transaction cost
  • ConsumerPays a small service fee
Conventional (old)
Swoop (new)
Conventional (old)
Swoop (new)
Conventional (old)
Swoop (new)

See how much you can save

Use the merchant solutions calculator below to determine your potential savings on an annual basis

Monthly Processing Volume

$ 5,000
$ 25,000
$ 50,000
$ 75,000
$ 100,000

Monthly Processing Volume

*Calculation is based on monthly credit card processing volume multiplied by 3%

$ 24000 /month.

Potential Savings with Swoop

How the program works

In conjunction with Visa and MasterCard regulations, Swoop can help you save thousands of dollars per year in payment processing services fees! It's simple, our program enables you offer to your customers a cash price and a credit price. The cash price will be the lower price, however, if a customer prefers to pay by credit, they pay the slightly higher price which includes your cost of processing, thereby eliminating up to 100% of your processing expense.

Recover up to 100% of your monthly payment processing fees

Easily save thousands of dollars per year. By offering your customers a cash and a credit price. You will recover up to 100% of your processing fees. No gimmicks. No surprises.

Benefits that make a difference to your bottom line:

Offset credit card processing fees and save big each and every month! Our program puts money back in your pocket.

Seamless Processing

The process is done seamlessly and clearly.


We offer Free terminals and the latest payment technology. Plus, delight your customers with tap and pay, Apple Pay and Google Pay.


Receive your money just as fast or faster, with daily deposits of credit and debit card sales and extended cut-off times until 11pm EST. That's right, we put your money in your bank account the very next day for qualified businesses.

Keep youroverhead low with our Cash Discount Program!


Save money, no matter what industry you're in

Point-of-Sale Terminals

Accept payments online with Virtual Terminal

Clover Virtual Terminal

  • Clover Virtual Terminal gives you the flexibility and convenience of processing payments – and, refunds – wherever you happen to be. Log into your Clover Web Dashboard from a smartphone, tablet, or computer and you’re ready for business anytime, anywhere.
$39 per month
Get Started

The mobile POS system in your pocket

Clover Go

  • Take your business to your customers, whether at the local farmer’s market or a client’s job site. The Go app and portable credit card reader are easy to use and give you the power of a full POS anywhere you have Wi-Fi or cellular connection.
$49 per month
Get Started

Simple & Easy to Use Countertop Terminal

Ingenico Desk 3500 & Pin Pad

  • An ethernet & Wi-Fi terminal that allows you to accept any payment at the counter. Make NFC payments a seamless consumer experience with the Ingenico Desk/3500. It complies with the most stringent security requirements and it leverages the Telium application portfolio and complies with future security standards. The Desk/3500 enables NFC couponing and wallet use cases in addition to EMV Chip & PIN, swipe and contactless payments.
$59 per month
Get Started

Mobile, Digital, & Cost-Effective Smart Terminal

PAX A920 Wireless Terminal

  • The A920 is the revolutionary terminal that started it all. A strikingly beautiful and ergonomically designed terminal, this SmartMobile delivers elegance, style, and security to every payment experience. The A920 combines the full features of an Android tablet with a powerful payment terminal, all in a sleek and compact design. The A920 delivers an integrated camera, high-speed thermal printer, and high-capacity battery to meet the daily demands across all dynamic Retail or Hospitality environments.
$69 per month
Get Started

Excellent option for on-the-go businesses!

Clover Flex

  • Serve customers better - at the counter, in line, at the table, or in the field - with the Clover Flex handheld POS system. This all-in-one device offers built-in capabilities to accept payments, conduct business, and track sales all from the palm of your hand.
$89 per month
Get Started

Inexpensive, Easy to Use, Entry Level Point of Sale Systems

Poynt Smart Terminal Wireless

  • Accept payments using the world's first, most advanced smart terminal. With dual touchscreens and 8 hour battery life, Poynt Smart Terminal is every bit as powerful whether on your countertop or on the move.
$99 per month
Get Started

A small but powerful POS system

Clover Mini

  • A full point-of-sale system in one sleek little package. Mini can fit into any space but packs plenty of POS power to run your business, end to end. Use it just for payments or to run your whole business from inventory to payroll.
$119 per month
Get Started

Built for retail and restaurants

Clover Duo Point of Sale

Robust, Sophisticated, yet Simple Point of Sale System

  • Run your business like a pro with our fastest, most secure point of sale system yet. We're taking smart terminal to a new level, making it easy to offer rewards, capture information, ensure order accuracy, and accept just about every mobile payment type. Fast, personal, secure. Welcome to Station Pro.
$139 per month
Get Started

A Point of Sale built just for Restaurantse

Hot Sauce Point of Sale

  • Easily manage the most complicated orders, whether you need to transfer tickets to other users, change tables, split checks, add discounts, update gratuity and taxes, or handle various other tasks.
$169 per month
Get Started


All Swoop Subscriptions come with following benefits

Frequently asked questions

What is The Cash Discount Program?

A Cash Discount Program is a transparent way to provide your customers with options, while keeping your overhead low. It's a win win situation, because your customers have the option to pay your cash price, which will be the lower price, or they may choose to pay by credit, and pay your credit price, which is slightly higher and includes your cost of processing. Therefore, you are able to continue to offer your customers your lowest pricing by keeping your overhead low.

How do I begin taking advantage of this payment method?

The simplest and quickest way to do so is to apply online. We will provide you with all the necessary tools to start saving money today. You will also be provided with a point-of-sale terminal that is compatible with the Swoop program. We make it easy and affordable to implement these money-saving benefits today.

Is it allowed in my state?

A compliant Cash Discount Program is available throughout the country, however, it is important that you follow the rules and regulations set forth by the card brands as it applies to cash discounting.

What if I don't like the program?

At Swoop we are very confident that you will love the money saving opportunity of offering a Cash Discount Program, however, in the unlikely event that you are not fully satisfied and wish to switch back to traditional pricing, we will immediately switch you to traditional pricing. Our goal is your satisfaction.

Is any business eligible?

Most businesses are eligible. Contact us and we will gladly answer all of your questions, without any pressure or obligation.

Do I need anything else once I sign up for the program?

There are absolutely No upfront costs, setup fees or hidden charges. We will even provide a Free equipment for you. However, if you choose to buy a complex system that is not part of our Free equipment program, then there may be a cost associated with that. In such a case, rest assured that any potential costs will be disclosed to you in advance so that you are able to make an informed decision. We don't like surprises anymore than you do!

Contact Us

If you prefer speaking with a payment consultant, call toll-free 877-220-4711.

Tired of paying high monthly fees for your credit card processing? We can help eliminate the cost for you completely. If you are currently accepting credit card payments, our program can save you thousands of dollars per year. Get in touch with us. we will contact you right away during business hours and can approve you the same day.

Send us a message below:

To provide you with the best solutions for your needs, please provide some basic information regarding your business.

Start saving and eliminate high credit card processing fees!