Accept credit card payments.

Pay zero processing fees*

calculate your savings

See how it works

The Rules have changed

The Swoop Pay Cash Discount Program is a way for you, the merchant, 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 calculator below to determine your potential savings on an annual basis

$ 100,000
$ 250,000
$ 500,000
$ 1,000,000
$ 5,000,000

Annual Credit Card Processing Volume

*Calculation is based on annual credit card processing volume multiplied by 4%

$ 24000 /yr.

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 processing 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!


We believe credit and cash

can exist in perfect harmony

Credit card payments offer convenience

What if you could accept credit cards but not have to worry about paying the processing fees? Transaction after transaction, day after day, these fees add up. Well, now you can!



Cash discounting provides more choice

Your customer now have the choice of paying by cash to receive your lowest pricing, or pay your credit price.

This is the most transparent form of pricing, because it provides your customers with options, and keeping your overhead low enables you to offer lower prices to your customers.


Save money, no matter what industry you're in

Point-of-Sale Terminals


Countertop Payment Machines Starting at $49. No cost options available

Select among the best terminal brands in the industry. Combining robust features with an elegant user interface, our hardware lineup is both powerful and simple to use.

  • Accept Visa, MasterCard, American Express, Discover, JCB and more
  • Supports EMV chip cards, Magstripe, NFC "contactless" cards, and mobile wallets like Apple Pay and Google Pay
  • Multiple terminal configurations and integration options
  • 24/7 technical support provided for all hardware

High-speed Internet or dial


PCI PTS v.3.0 security


Rugged and simple to use


Accepts EMV chip cards and more


Low Cost Point of Sale System Starting at $99 per month with unlimited credit card processing

Accept payments anywhere business takes you. We bring compact, reliable wireless mobility to the point of sale. Restaurateurs can offer pay-at-the-table solutions with our short-range Bluetooth terminals. And cellular long-range solutions are perfect for taxis, fast food delivery and anyone else looking for flawless network coverage.

  • All the benefits of our countertop models, along with wireless connectivity in a compact, sleek design
  • Long-life battery in most cases, a single charge can deliver up to several days of use
  • Meets the highest security requirements, online and offline



Extra-long battery life


Compact and light weight


Bright, color LCD screen


Full Size Clover Point of Sale Station Starting at $149 per month unlimited credit card processing

Experience beautiful hardware, software and apps for a truly connected experience. Integrate into major POS systems, including eHopper, NCR Aloha, Micros and Dinerware. Your business can capitalize on modern features like NFC payments, EMV compliance, and pay-at-the-table capabilities.

  • EMV, MagStripe and NFC for Apple Pay, Google Pay and more
  • View reports, refunds and settle from the smartphone app
  • Transact anywhere with 3G and WiFi connectivity
  • Plug and play with many peripherals

Connect with 4G, WiFi or both


Up to 8 hours battery life


Dual touch-screen displays


Built-in receipt printer

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.

Your information will remain confidential.

Start saving and eliminate high credit card processing fees!