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!
Features
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
Pricing
Accept Visa, MasterCard, American Express, Discover and PayPal payments for one low rate. Simple pricing that’s easy to remember.
Swiped Transactions
2.69%
per swipe including American Express
Keyed Transactions
3.49%
+0.19 per keyed transaction
For custom/high volume pricing, please call 1.877.957.9473.
Get a Free Reader
Support
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
Sign-in, account activity, and profile management.
General Questions
Supported Devices

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

Apple
  • Requires iOS 8.0 or higher
  • iPhone - 4s, 5, 5c, 5s, 6, 6 Plus, 6s, 6s Plu
  • iPad-iPad 2, iPad (3rd gen), iPad with Retina, iPad mini, iPad mini 2,iPad mini 3, iPad Air, iPad Air 2, iPad Pro
Android

The Phone Swipe app is currently optimized for the following devices:

Phones:

  • Google Nexus 5
  • Google Nexus 6P
  • HTC One M8
  • LG G3
  • Motorola Droid Razr HD
  • Samsung Galaxy S3
  • Samsung Galaxy S4
  • Samsung Galaxy S5
  • Samsung Galaxy S6
  • Samsung Galaxy S6 edge
  • Samsung Galaxy Note 3
  • Samsung Galaxy Note 4
  • Samsung Galaxy Note 5

Tablets:

  • Google Nexus 9
  • Google Nexus 10
  • Samsung Galaxy Tab 3 - 8"
  • Samsung Galaxy Tab 3 - 10"
  • Verizon Ellipsis 8

Additional Android devices may be supported. To ensure that you have a seamless transaction experience, 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.

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 Amazon.com

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Applying for a Phone Swipe Account

Apply as a Business if you are incorporated or have a Federal Tax ID. Apply as an Individual if you are selling goods or services and do not have a Federal Tax ID.

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 Phone Swipe account, you agree 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
  • Government grants
  • Will-writing kits
  • Firearms

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

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

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.

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).

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Multiple Accounts

Multiple accounts are different from adding users to a single account. To add additional users, please see Phone Swipe Inside → Adding users

For example, people who might have multiple accounts are those who have one for their business and one for individual use. You can apply for an additional account at apply.phoneswipe.com.

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. If your accounts are not already linked, please call Tech Support.

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Funding

Getting funded is easy with Phone Swipe. Phone Swipe deposits funds within one day of sales processed by 5 PM ET. Transactions processed after Friday 5PM ET are funded the following Tuesday. We will send you an email when the deposit to your bank account has been initiated. You can turn off the option to be sent these emails about funding at any time through Phone Swipe Inside. Amount funded will be less processing fees.

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Promotions
Free Processing Promotions

Whether you've been offered 30 days of free processing through our retail reader or at a tradeshow, or if you are taking advantage of one of our other limited-time offerse, Phone Swipe will waive your processing fees. After the promotion is over, you will be reimbursed through an ACH credit to your bank account. Please allow two weeks after promotion ends. Exclusions may apply. Cannot be combined with any other offers. Program subject to change without notice.

Referrals

We love referrals! 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. Referrals can be made from Phone Swipe Inside. 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

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 'Phone Swipe,' 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

To order additional card readers, you can simply call Customer Service or head to 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 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 into the Phone Swipe app or Phone Swipe Inside.

  • If you have not already done so, download the Phone Swipe app from the Apple App Store or Google Play.
  • Launch the app and enter your username/email and password that you created during the application process.

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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Setup

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

Tap on the left hamburger icon to access the Navigation Menu. You can start a new sale, view transactions, edit items, view reporting, and access Settings.

General Settings
  • Default Sale View:Set the default view for your Sell screen to land either on Item Library or Express Sale. Express Sale is ideal when you do not have items loaded.
  • 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.
Signature & Tips
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  • Always Require Signature:Customers will need to sign for transactions below $25 if this feature is enabled. All transactions over $25 are required to have a signature. Chip card transactiosn adn transactions with tips require a signature.
  • Enable 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.
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.

Hardware
  • Reader Firmware Update:Tap "Update Firmware" to update the firmware of your reader. Your PayAnywhere 3-in-1 Credit Card Reader must be connected.
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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Sell
General

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 Item
Express Items are useful for accepting payment without a product in the item library.
  • iPhone: To make a sale with Express Item, tape on the credit card icon. iPad and tablets: Select "Express Item."
  • 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

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 items loaded, the Sell screen will be clean and simple. Use Express Item or Swipe to Sell to initiate transactions
  • If you do have an item library, select an item to add to the cart.
    • iPhone: To view your items by category, tap on the bottom-right category icon for the Filter Menu.
    • iPad: To view your items by category, expand the Categories menu by tapping on the menu bar on the bottom-left of the screen.
    • Android phone: To view your items by category, tap on the upper-right category icon for the Filter Menu.
    • Tap on teh item to change the quantity.
    • Items with multiple prices and/or modifiers 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, text, or print the receipt
Split Tender

Split tender allows you to accept multiple forms of payment on a single transaction.

For a split tender payment:

  • Ring up a sale
  • Tap "Proceed to Checkout" 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
Discounts

To add an Express Discount, head to Discounts 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.

Tips
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
Receipts
To send your customer an email 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 send your customer a receipt via SMS:
  • Enter your customer's phone number.
  • Tap "Send Receipt"
  • Your customer will receive a text that indicate a purchase of $xx.xx amount made at your company. Within the text will be a link to the 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:
  • Head to "Transactions"
  • Search and select the transaction you would like to void
  • Tap "Void" and confirm that you would like to void the transaction
Refund

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:
  • Head to "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 "Refund" to complete.

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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:
  • From the Navigation Menu, 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).
Pre-Authorization

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:
  • From the Navigation Menu, tap "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:
  • Open the Navigation Menu to tap on "Transactions."
  • Select the transaction.
  • Under Actions, tap on "Complete."
  • Tap "Submit."
    • If needed, modify the pre-auth by editing the cart
  • Follow the prompts to complete the transaction

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Item Library

Create an item library 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 item library through the Navigation Menu. Use the header to switch from Items, Categories, Modifiers, and Discounts. Hit "Close" when you're done adding or editing items.

Categories

Group your items in Categories that can be organized by both a color and a name.

Tap "Categories" and then the "+" symbol 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 "Item" and the "+" symbol 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".

When adding an item you can add Modifers and Multiple Prices to a single item listing.

Add/Edit Cart-Level Discounts

Tap "Discount" and the "+" symbol to create a discount. 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. These discounts will apply to all items in the cart.

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Item Library - Multiple Prices & Modifiers

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

Access your inventory through the Navigation Menu. Tap "Edit Mode." Use the header to switch from Items, Categories, Modifiers, and Discounts. Hit "Close" when you're done adding or editing items.

Multiple Prices

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.

Modifiers

While you're adding or editing an item, you can apply Modifier Sets to a single listing.

To create a Modifier Set:
  • Tap "Modifiers" and give the set a name
  • Toggle on/off "Allow Multiple Selections" 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 "Save."
To apply a Modifier Set to a specific item:
  • Tap on the item
  • Under "Modifier Sets," 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.

Access reporting through the Navigation Menu. You will see Transactions, Sales Trends, and Customers.

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.

Customers

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

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 inside.phoneswipe.com

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
  • apply.phoneswipe.se.qa.northamericanbancard.com
  • 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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Profile

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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