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SwipeSum

by SwipeSum - SwipeSum · Since 2016
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ActiveAvailable globallyCloud
Quick facts
VendorSwipeSum - SwipeSum
Year launched2016
StatusActive
LocationSaint Louis, USA
Countries servedGlobal
Languages10
Integrations3+
Free tierNO
Free trialNO
Contact salesYES
Last reviewed: Jun 2026

About SwipeSum

Swipesum is a payments technology and merchant services company that helps businesses audit merchant statements, negotiate processing rates, and manage payment infrastructure.

Swipesum is a specialized payments technology and consulting firm that functions as an outsourced Chief Payments Officer for businesses ranging from small merchants to Fortune 500 companies. Unlike traditional software-only platforms, Swipesum combines proprietary AI-driven statement auditing software, known as Staitment, with human consulting expertise to identify hidden fees, negotiate better processing rates, and manage vendor relationships. The company serves a broad spectrum of industries, including SaaS platforms, e-commerce, retail, and franchises, helping them navigate the complex payments landscape by eliminating middlemen and resellers. Key capabilities include deep-dive merchant statement audits, vendor due diligence across a network of over 70 providers, and ongoing chargeback and risk management. While the platform offers powerful tools for cost reduction and infrastructure optimization, it is fundamentally a service-led solution where clients benefit from dedicated account management and technical support for integrations. Pricing is structured around consulting services and statement analysis, with a focus on delivering transparent, data-driven savings rather than a standard SaaS subscription model.

Pros & Cons

Pros
  • Proprietary AI software provides instant, line-by-line audits of complex merchant statements.
  • Acts as a dedicated advocate to negotiate rates and manage vendor relationships on behalf of the client.
  • Provides comprehensive support for chargeback mitigation and fraud prevention.
  • Offers expert technical assistance for integrating payment gateways and hardware.
  • Transparent approach helps businesses identify and eliminate unnecessary fees and markups.
Cons
  • Service-heavy model may require more direct engagement than a self-service software tool.
  • Pricing for consulting services is not fully published and requires a consultation to determine.
  • Not a standalone payment processor, but rather a consultant and management layer for existing providers.

Features

Key features

Merchant Statement Audit

Uses proprietary AI software to analyze processing statements for hidden markups and billing errors.

Vendor Evaluation

Compares existing processor relationships against a network of over 70 payment providers.

Payments Consulting

Acts as a fractional Chief Payments Officer to negotiate rates and manage long-term payment strategy.

Chargeback Management

Provides dedicated support to handle disputes, fraud, and risk before they reach the processor.

Technical Integration Support

Offers in-house engineering talent to assist with payment gateway integrations and hardware setup.

Additional features

Interchange Optimization

Identifies opportunities to reduce interchange fees by optimizing transaction data.

Contract Negotiation Assistance

Provides expert support during contract redlining and vendor selection.

Automated Statement Reading

Uses the Staitment tool to instantly verify interchange and processor markups.

Post-Setup Monitoring

Continuously tracks statements and performance to ensure ongoing rate compliance.

Custom Solution Building

Develops tailored payment architectures for SaaS platforms and integrated payment facilitators.

Multi-Currency Support

Facilitates payment acceptance across different currencies depending on the processor.

RFP Management

Manages the request-for-proposal process to consolidate vendors and secure competitive pricing.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Global
Countries served
10
Interface languages
10
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalianPortugueseDutchRussianJapaneseChinese

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇯🇵JPY🇦🇺AUD🇨🇦CAD🇨🇭CHF🇳🇿NZD🇨🇳CNY🇷🇺RUB

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