Phone Swipe is the smartest way to accept cash and credit card payments. Swipe or key in Visa, MasterCard, American Express, Discover and PayPal cards at a low rate.
Never Miss a Sale.
Take the free Phone Swipe app and credit card reader with you wherever you go - your next sale is just a swipe away!
From free equipment to live support, Phone Swipe has the features you need to grow your business.
Robust App
Accept all major credit card brands, including American Express for the same rate. Track and record cash payments. Add discounts, tips, and tax. Organize your inventory with color-coded categories, item options, and multiple prices.
Real-time Reporting
In-app reporting and Phone Swipe Inside provide detailed reporting to help you make informed decisions about your business. See your top selling items, deposits, and more; update your business profile; set email alerts for chargebacks and other transaction types.
Free Equipment
Swipe safely and securely with the free credit card reader, running on the free Phone Swipe app available for Apple and Android devices.
Next Day Funding
Get your money faster. Funds are deposited into your bank account next day, for all sales processed by 5 PM ET.
Live Support
Live support from trained representatives who will guide you through any questions you might have about your account or the equipment.
Get a Free Reader
Accept Visa, MasterCard, American Express, Discover and PayPal payments for one low rate. Simple pricing that’s easy to remember.
Swiped Transactions
per swipe including American Express
Keyed Transactions
+0.19 per keyed transaction
For custom/high volume pricing, please call 1.877.957.9473.
Get a Free Reader
Partner with Phone Swipe and know that we’ve got your back. With live support via phone, email, or chat, we’re here to answer your questions.
Browse the topics below to find out more on supported devices, how to use Phone Swipe, and more.
General Questions
Supported devices, funding, promotions, and more.
Phone Swipe Reader
Using your card reader.
Using Phone Swipe
Selling on Android and iOS
Phone Swipe Inside
, account activity, and profile management.
General Questions
Supported Devices

Phone Swipe is compatible with most Apple iOS and Android smartphones and tablets.

  • Requires iOS 7.0 or higher
  • iPhone - 4, 4s, 5, 5c, 5s, 6, 6 Plus
  • iPad-iPad 2, iPad (3rd gen), iPad with Retina, iPad mini, iPad mini 2,iPad mini 3, iPad Air, iPad Air 2
  • iPod touch - iPod (5th gen)

Your Android device should have the following specifications:

  • Requires Google Android 4.2 or higher
  • 3.5mm headset jack with microphone
  • "Normal" or "Large" screen size
  • Access to Google Play
  • Location services

If you aren't sure if your device meets the above requirements, check with your phone carrier or device manufacturer.

Android phones:

  • Google Nexus 5
  • HTC One M8
  • LG G3
  • Motorola Droid Razr HD
  • Samsung Galaxy S3
  • Samsung Galaxy S4
  • Samsung Galaxy S5
  • Samsung Galaxy Note 3

Android tablets:

  • Google Nexus 9
  • Samsung Galaxy Tab 3 - 8"
  • Verizon Ellipsis 8
Printers & Cash Drawers

Phone Swipe is compatible with Apple AirPrint-enabled (iOS only) or Star Bluetooth printers (iOS only) and select cash drawers.

Click here to view a list of printers that work with AirPrint.
Click here to purchase a Star Bluetooth TSP650II printer.

You can purchase hardware at third-party sites like CDW, PCMall, or

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Applying for a Phone Swipe Account

General rules: Apply as a Business if you are incorporated or have a Federal Tax ID. Apple as an Individual if you are selling goods or services and do not have a Federal Tax ID. Please review the Prohibited Merchants list before applying.

Prohibited Merchants

For the safety of both merchants and customers, some business types are prohibited from using Phone Swipe. By accepting the Terms & Conditions and creating a PayAnywhere account, you agreed that you will not accept payments for or in connection with the following businesses:

  • Any illegal activities or goods (includes marijuana services/paraphernalia)
  • Adult sexually oriented material
  • Age sensitive products sold direct to consumer
  • Business or investment opportunities/multi-level marketing
  • Business physically located outside the U.S.
  • Dating/matchmaking
  • Deceptive/negative marketing practices
  • Any division or agent of a foreign government
  • Essay mills/paper mills (ghostwriting)
  • Financed payments via credit card
  • Gambling or sports forecasting
  • Internet/telecom services
  • Magazine subscriptions
  • Money services
  • Online auctions
  • Products or services with unreasonable guarantees or claims
  • Travel services

Phone Swipe reserves the right to modify, alter, or change this list at its sole discretion at any time with or without notice. When your Phone Swipe account is approved, that approval is provisional. Phone Swipe may ask you for additional information or documentation at any time and at our sole discretion. Types of additional information requested may include items such as: a detailed description of your business, government issued identification, invoices for transactions, business bank statements, and other similar documents. Continued use of your account with Phone Swipe requires complying fully with these requests.

Applying for Phone Swipe

When you apply, you will create your password. Be sure to write down your password, as you will use this password, along with the email you entered, to login to the PayAnywhere app and PayAnywhere Inside.

Your "Doing Business As" name is what a customer will see on their credit card statement.

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Multiple Accounts

Multiple accounts are different from adding users to a single account.

For example, people who might have multiple accounts are those who have one for their business and one for individual use. If you already have an account and would like to apply for a different account, the system will ask if you want to use the same email (using the same email is what links multiple accounts together; otherwise you will use separate logins on each account).

To view your accounts on Phone Swipe, you'll see them displayed at the top right. The name of the active account will be displayed and there is a dropdown arrow for you to see the rest of your accounts. Please call Tech Support for assistance if you do not see your linked accounts.

To add additional users, refer to the Phone Swipe Inside section for instructions.

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Phone Swipe deposits funds within one business day of sales processed by 5 PM ET. Transactions processed after Friday 5 PM ET are funded the following Tuesday. Amount funded will be less processing fees.

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Free Processing Promotions

If you are taking advantage of one of our limited time processing offers, Phone Swipe will waive your processing fees for a specified time period (typically 30 days). After the promotion is over, you will be reimbursed through an ACH credit to your bank account. Please allow two weeks after promotion ends.

Program is subject to change without notice. Exclusions may apply. Cannot be combined with any other offers.


When you refer a friend or business to Phone Swipe we'll give you $50 as a thank you. This will be reflected as an ACH credit to your bank account after your friend has activated their Phone Swipe account by processing at least $150 in transactions. The status of your referrals can be found in the Referrals section on Phone Swipe Inside.

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Phone Swipe Reader
Swiping Tips

To get a good swipe, try to firmly and steadily swipe the card through the reader.

Make sure that the magstripe of the credit card is facing the right direction. When you are looking at the side of the reader that says, you should be looking at the magstripe as well. If you are using a case on your device, check to make sure the sleeve isn't preventing the card reader from being plugged in all the way.

When the card reader is plugged in, make sure volume is turned all the way up. iOS only: Allow access to the microphone in the privacy settings of your device.

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Additional Card Readers

Order additional card readers by calling Customer Service or through Phone Swipe Inside.

On Phone Swipe Inside:
  • Head to the Profile section
  • Select the quantity of readers you would like. Free readers are provided based on your monthly processing volume
  • Click "Order"

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Card Reader Warranty

In the event that your credit card reader malfunctions, there is a 12-month limited warranty. In the event that you misplace your card reader, we will send you a replacement for an additional fee. If you need a replacement, order an additional one through Phone Swipe Inside or contact Customer Service at 877-957-9473.

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Using Phone Swipe
First Time Sign-In

Your login credentials were created when you applied for your Phone Swipe account. Use the email address and password you entered during the application process. Once your account has been approved, you will be able to sign into the Phone Swipe app and Phone Swipe Inside.

If you forgot your password, please click here or on "Forgot Password" and you will be sent an email with further instructions on how to reset your password.

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Please note the following instructions are for Phone Swipe version 3.0 or higher. For Phone Swipe version 2.0, head to the Support section of Phone Swipe Inside.

When you are logging into Phone Swipe for the first time, the first thing you will do is create a PIN. The Phone Swipe app provides a lock period to prevent unauthorized usage of your account and this PIN will be required to unlock the app. After that, you will land on the Sell screen. Tap the gear icon to access Settings.

Settings - General Settings
  • Manage Accounts: In this section, you can view your linked accounts and switch from one account to another. Additionally, you can set which account gets opened upon login. Options are to always open a default account, to open the last opened account, or to prompt you to select which account you want to use.
  • PIN Settings: Select a time for when the app locks and will require the user to enter in a PIN. Tap "Reset PIN" to reset your PIN by entering your current and then creating a new one.
  • Receipt Settings: This section is pre-loaded with the information you supplied when you signed up for Phone Swipe. You can edit this information as well as add a company logo and receipt message. iPad only: As you edit your receipt, a real-time preview of your email receipt will display on the right side.
  • Auto-Generate Invoice Number: This feature will automatically generate consecutive invoice numbers for each of your transactions.
  • Require Signature for transactions below $25: Customers will need to sign for transactions below $25 if this feature is enabled. All transactions over $25 are required to have a signature.
Settings - Tips

Enable the tip feature to allow your customers to add a tip at the end of a transaction. You can enter default tip values, including custom and no tip, for your customers to choose from.

Settings - Taxes

To process a sale with tax, toggle the "Auto-Detect Tax" option to On in Settings. Auto-Detect Tax turns on the geo-tax feature, which automatically calculates the appropriate tax rate based on your location. Or, if you prefer, you can set a default tax rate.

Settings - Hardware
If you have a compatible AirPrint or Cloud Print-enabled printer or Star Bluetooth printer, you can link it to the Phone Swipe app.
  • Enable printer/s by selecting the "Enable Receipt Printing" toggle
  • Adjust settings under "Manage Devices"

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You can accept Visa, MasterCard, American Express, and Discover payments. In order to process a sale, you will need an Internet connection (WiFi or data plan).

If you are in the middle of a transaction and you receive a phone call or text message, press "Decline" and complete your transaction. Hitting "Accept" will abruptly end your transaction and force the app to close.

Phone Order

If you are taking an order over the phone and manually keying in your customer's information, make sure to write "Phone Order" on the signature screen.

Express Sale
Express Sales are useful for accepting payment without a product in the inventory.
  • To make an Express Sale, tap on the credit card icon
  • Enter a custom amount for a one-off item.
  • Hit "Add"
  • Process payment by swiping a card or selecting "More Payment Options" for Cash or Manual card number entry
Swipe to Sell

iPad only: When your customers are in a hurry, Swipe to Sell allows you to simply swipe a card and move onto the next sale.

To use Swipe to Sell, swipe the card.
  • Enter the amount
  • Follow the prompts to complete the sale. You will then be directed to the Signature screen (if applicable) and the Receipt screen
New Sale
  • If you are a first time user or you do not have inventory loaded, the Sell screen will be clean and simple. Use Express Sale or Swipe to Sell to initiate transactions
  • If you do have inventory loaded, select an item to add to the cart. To view your items by category, expand the Categories menu by tapping on the menu bar on the bottom of the screen
    • Tap on the item to change the quantity
    • Items with multiple prices and/or options will prompt you to select the price and/or options
  • Review the items in your cart
  • Swipe the card, or tap "More Payment Options" for Cash and Manual Card Entry transactions
    • You can manually enter a credit card here. At a minimum, you must enter a number and the expiration date
    • If you are accepting a cash payment, enter in cash provided or use one of the quick cash buttons to calculate change due
    • If needed, you can again review the items in your cart by hitting the shopping cart icon
  • Ask your customer for their signature, if necessary
  • Email or print the receipt
Split Tender

iPad only: Accept multiple forms of payment on a single transaction with split tender

For a split tender payment:
  • Ring up a sale
  • Tap "More Payment Options" and then tap "Split Tender"
  • Enter in the first payment amount, along with the method of payment
  • After the first payment, the app will calculate the amount still owed to you. Continue by entering in the second payment amount and method
  • Continue as need until amount due is $0. Tap Proceed to complete the transaction

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Sell - Discounts, Tips, Receipts

iPad only: To add an Express Discount, just tap the price tag icon, and add the discount amount. Express Discounts apply to all items in the cart.

To add an item-level discount, tap an item from the cart to apply a discount.

Make sure you have Tips enabled under Settings → Tips.
  • On the signature screen, your customer can select from one of the preset values or enter a custom amount
To send your customer a receipt:
  • Enter your customer's name and email address. If your customer is already in your Customers list, you can select their name through the address book icon
  • Tap the notebook icon if you would like to add a note to the receipt (optional)
  • Tap "Send Receipt"
  • To print a receipt:
    • Switch the printer toggle to on. If you have multiple printers enabled, you will need to select which printer you would like to use

To modify your receipt, go to Settings → Receipt Settings.

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Voids & Refunds

Voids cancel a completed sale before the payment is processed. Typically, you will process a void on the same day, before your account batches out (5 PM ET). If you have a sale time stamped after 5 PM, you can void it before 5 PM the following day.

To void a transaction:
  • Tap the gear icon to access the Dashboard
  • Tap "Transactions"
  • Search and select the transaction you would like to void
  • Tap "Void" and confirm that you would like to void the transaction

Refunds differ from voids in that the transaction has been completed and the payment has been processed. In a refund, the cardholder is credited back funds to their bank account. The refund amount must be greater than $0.00 but cannot exceed the total transaction amount.

To refund a transaction:
  • Tap the gear icon to access the Dashboard
  • Tap "Transactions"
  • Search and select the transaction you would like to refund. Hit "Refund"
    • If you're returning entire item costs, select the item counters to indicate how many of the items are being returned
    • If the total needs to be adjusted further for any reason, enter it in the "Additional Custom Amount" field
  • Tap "Submit" in the upper right corner

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Force & Pre-Auth Transactions
Force Transaction

A force transaction is used when the payment processor network is down. It is required to call the payment processor for the transaction approval. This type of transaction requires a voice authorization code

To force a transaction:
  • iPad only: Tap "Create" on the upper left side of the cart
  • Tap "Force Transaction"
  • Forcing a transaction requires a voice authorization code
    • If you do not have a voice auth code, select "No" from the prompt. A list of phone numbers for Visa/MasterCard/Discover and American Express will appear for you to call and obtain a code
    • If you do have a voice auth code, select "Yes" from the prompt and continue with your transaction as you would with any other sale (required fields are amount, card number, expiration date, and authorization code).

A pre-authorization allows you to prepare a sale, placing a hold on the funds, but not processing the sale immediately. This is a two-part process and you must close the pre-authorization to complete the transaction.

Note: Pre-authorizations are only valid for 7 days from the authorization date.

To create a pre-auth:
  • iPad only: Tap "Create" on the upper left side of the cart
  • Tap "New PreAuth"
  • Create a new pre-auth in the same manner in which you would a new sale (i.e., add items to the cart)
  • Follow the prompts to save the pre-auth
To close or complete a pre-auth:
  • Tap the gear icon and then "Transactions."
  • Select the transaction
  • Under Actions, tap on "Complete"
  • Tap "Submit" in the upper right
    • If needed, modify the pre-auth by editing the cart
  • Follow the prompts to complete the transaction

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Create inventory to easily and quickly access your products and services. This will streamline your sales process and provide an itemized transaction on your receipts.

Access your inventory by hitting the pencil icon at the bottom of the Sell screen. You will now be in Edit mode. When you're done, tap "Done Editing" to return to the Sell screen.


Group your items in Categories which can be organized by both a color and a name. Tap the "+" symbol in the upper left of the Category pane to add a category.

Add an item to your Favorites group by tapping on the heart icon next to the item while in Edit Item view.

Add/Edit Items

Tap on the "+" symbol in the upper left of the Item grid to add an item. Enter a product name; photo; price/s; select if the item is taxable or not. When adding an item you can add Multiple Prices to a single item listing. Add the product to a category if you have categories set up. Tap "Save".

iPad only: When adding an item you can add Options and Multiple Prices to a single item listing.

Add/Edit Discounts

Tap on the "+" symbol in the lower left of the Item grid. Specify a dollar amount or percentage, name the discount, and attach a color for identification. Discounts are created just like you would an inventory item.

When you're back in the Sell screen, you'll see a colored discount tile that you can add to cart on any transaction. This discount will apply to all items in the cart.

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Inventory - Multiple Prices & Item Options

Applying multiple prices or adding item options means an endless array of customization on transactions.

Access your inventory by hitting the pencil icon at the bottom of the Sell screen. You will now be in Edit mode. When you're done, tap "Done Editing" to return to the Sell screen.

Multiple Prices

iPad only: While you're adding or editing an item, set multiple prices if needed. For example: if you are selling an item in different sizes, you can list each available size along with its corresponding prices.

Item Options

iPad only: While you're adding or editing an item, you can apply Item Option Sets to a single listing.

To create an Item Option Set:
  • Tap "Add Item Option Set" and give the set a name
  • Toggle on/off "Customer can select multiple options" depending on your need
  • Add all options, as well as the prices for each option, if applicable
    • For example: if you are selling an item in multiple colors or fabrics, colors may not add an additional charge, but fabrics may have a corresponding price
  • Hit "Add Item Option Set" to save
To apply an Item Option Set to a specific item:
  • Tap on the item
  • Under "Item Options", select the set you'd like to apply
  • Hit the back arrow, then tap "Save."

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In-App Reporting

In-app reporting gives you access to real-time information about your customers and your sales.

From the Sell screen, access your reporting by hitting the gear icon to visit the Dashboard.

Sales Trends

Sales Trends is an overview of sales, transactions, items, and payment methods. Change the date range of your reporting by hitting the calendar icon.


The Customers report shows a list view of all customer names, emails, and number of transactions. Enter a name in the "Search Customers" field. Tap on the customer to edit their information or tap "View Transactions" to see specific transaction detail.


Transactions is a listing of all transactions, which can be viewed Daily, Weekly, Monthly, or Yearly. You can also search by the last 4 digits, customer name, or customer email to find a specific transaction. The Search bar provides quick access to void or refund a transaction.

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Phone Swipe Inside
First Time Sign-In

Phone Swipe Inside offers valuable insight about your business, with detailed account activity, transaction data, referrals, and more.

Access Phone Swipe Inside at

Your credentials are created during the application process in which you provided your username/email and password. Once your account has been approved, you will be able to sign in to the Phone Swipe app or Phone Swipe Inside.

When you first sign in, you will be directed to your Account Activity.

If you have multiple accounts that are linked to one email address, you can switch from one account to another by clicking on the dropdown arrow on the top right. Your DBA name and account number will help you identify the account that you are currently viewing.

If you are already a Phone Swipe merchant but do not have credentials, please register your account here.

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Reset Password

If you forgot your password, please click here or on "Forgot Password" and you will be sent an email with further instructions on how to reset your password.

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Account Activity

When you login to Phone Swipe Inside, you will default to the Account Activity page. This screen will display a summary of your transactions and functions just like the reports in the Phone Swipe app. You can create reports and search transactions by date, customer, transaction type, etc. To view additional detail about a specific transaction, click on the + icon on the left.

Custom Reports
  • Select a date range
  • Identify your search criteria by user, item, category, tag, or amount
  • Refine your search criteria with advanced search options and click Add Rule
  • Save the filter by giving it a name (optional). This will allow you to select from saved filters in the future to quickly generate a report
  • To create or run a new report, click Reset All
Exporting Reports

In the left sidebar, you can download transaction or itemized reports as Excel or PDF files for your records.

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Edit your business information on the Profile section. Here, you can update bank account information, change your company address, add users, etc.

Profile - Sign In Settings

Changing your email and password will change your sign in credentials in both the app and Phone Swipe Inside.

Changing your email does not, however, change the email address we send correspondences to. To update the email address that is tied to your account, visit the Business Information section.

Profile - Social Link Settings

Add in a link to your Facebook page to include on the bottom of your receipts.

Profile - Business Information

Click "Edit" to update your business information, such as your phone number or shipping address.

Profile - Merchant Alerts

Subscribe to or create custom email alerts for updates on your account activity. Enter in email addresses separated by a comma to send alerts to multiple people.

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Adding Users

You can invite your employees to process payments on your behalf.

Go to the Profile page and click "Add Another User" in the Users section. Sending the invite allows your employee to register for their user account, which takes less than a minute. Once registered, they can access the Phone Swipe app using their email and password.

To disable a user, click the Delete button next to their name. If you need to re-enable their account, just add their email address again.

A few things to remember:
  • Make sure your employees have devices supported by the app (see Supported Devices)
  • Use an employee's preferred email address when sending the invite
  • The invite expires 7 days after being sent
  • Additional users do not have access to Phone Swipe Inside and are unable to edit inventory

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Updating Bank Account

Until your banking information is added/current, Phone Swipe will be unable to send you funds.

If you selected "Add Bank Account Later during the application process", you will receive emails from Phone Swipe as a reminder to add your banking information.
  • You will find the bank account information under the "Profile" tab in the upper right navigation of the page
  • If needed, you can update your bank account at any point by following the same steps as above
  • Add your bank account under the Financial Information section. You will need the routing number and account number for your bank account

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