# SwipeSum, Inc. *Also known as SwipeSum* - Website: https://www.swipesum.com - Location: Saint Louis, Missouri, United States - Agent profile: https://directory.haycion.ai/agents/swipesum-com > SwipeSum is a payments consulting and software company that helps businesses lower credit card processing costs. SwipeSum is a fintech payments consultancy and software company that helps businesses reduce credit card processing costs through data-driven analytics and transparent, practical payment optimization. The team combines merchant statement analysis, cost benchmarking, and consulting to streamline payment workflows across industries, delivering clarity, savings, and scalable solutions without relying on vendor hype. **Mission:** To help businesses save money on credit card processing through transparent pricing, expert payment consulting, and data-driven optimization. ## Products & Services ### [Embedded Payments Platform](https://www.swipesum.com/industries/embedded-payments) *Platform* Seamlessly embed payment processing into your platform to boost revenue and enhance user experience. - **Access to 70+ Providers** — Maximize Flexibility - **API-First Payment Integrations** — Integrate Seamlessly - **Automated Sub-Merchant Onboarding** — Speed Up Launch - **Revenue-Sharing Models to Monetize Payments** — Generate Income - **Compliance and Reporting Automation** — Ensure Compliance - **No PayFac License Required** — Simplify Operations - **White-Labeled Dashboards** — Enhance Brand Identity ### [PayFac Payments Solutions](https://www.swipesum.com/industries/payment-facilitator) *Solution* Streamline your payment processing and become a Payment Facilitator with expert guidance and support. - **Compliance and Risk Management Support** — Ensure Regulatory Compliance - **Launching White-Labeled PayFac Experiences** — Offer Customized Payment Solutions - **PayFac Enablement and Onboarding Guidance** — Navigate PayFac Setup Easily - **PayFac-in-a-Box Deployment** — Accelerate Time to Market - **Rate and Fee Negotiation** — Reduce Processing Costs - **Sourcing Top Technical Partners** — Enhance Your Payment Infrastructure ### [Integrated Payments Platform](https://www.swipesum.com/industries/integrated-payments) *Platform* Optimize Payment Processing Within Your Software Environment. - **Access to 70+ Payment Providers** — Gain Access To Diverse Payment Options - **Compliance with Industry Standards** — Ensure Secure Payment Processing - **Platform-Integrated Payments** — Streamline Payment Functionality - **Technical Integration Support** — Facilitate Smooth Integration - **Custom Payment Dashboards** — Personalize User Experience - **Automated Sub-Merchant Onboarding** — Speed Up Setup Process - **Revenue-Sharing Models** — Create New Revenue Streams ### [Ecommerce Payments Solutions](https://www.swipesum.com/industries/ecommerce) *Solution* Reduce Processing Fees and Optimize Payment Solutions for Ecommerce. - **Rate Optimization and Cost Reduction** — Lower Your Processing Fees - **Platform-Agnostic Optimization** — Integrate Seamlessly Anywhere - **Digital Transactions Support** — Enhance Customer Satisfaction - **Independent Processor Comparison** — Achieve Better Rates - **Support for Major Platforms** — Utilize Your Preferred Platforms - **Payment Gateway Integration** — Streamline Payment Processing - **Fraud Detection** — Protect Your Revenue ### [B2B Payments Solutions](https://www.swipesum.com/industries/b2b) *Solution* Optimize your B2B payments with lower costs and enhanced efficiency. - **Level 2/Level 3 Interchange Discounts** — Reduces Transaction Fees - **ACH Payment Integration** — Facilitates Seamless ACH Payments - **Merchant Statement Audits** — Find Hidden Savings - **ERP Compatibility** — Enhances Data Management - **Vendor Evaluation** — Access to Competitive Rates ### [Bank Partner Program](https://www.swipesum.com/industries/banks) *Service* Empowers banks with merchant services solutions to enhance profitability and customer service. - **Access to 70+ Providers** — Expand Your Offerings - **End-to-End Bank Merchant Services Program** — Streamline Your Operations - **Outsourced Chief Payments Officer** — Enhance Client Support - **Prevention of Limited Functionality Risk** — Mitigate Operational Risks - **Two Solution Options** — Choose Your Best Fit ### Merchant Services *Service* Maximize savings and efficiency with Swipesum's tailored merchant services and expert consulting. - **Payments Consulting** — Optimize Payment Costs - **Merchant Statement Audits** — Identify Hidden Costs - **Payments Optimization** — Enhance Processing Efficiency - **Chargebacks & Security** — Reduce Fraud Risks - **Vendor Evaluation** — Maximize Provider Value ### [Staitment](https://www.swipesum.com/banks) *Product* Staitment empowers businesses to uncover hidden fees and optimize payment processing costs easily. - **Automated Merchant Statement Analysis** — Save Time With Instant Audits - **Optimization of Merchant Programs** — Enhance Program Efficiency - **Statement Reading Software License** — Leverage Advanced Technology - **Custom Reports** — Generate Insights on Demand - **User-Friendly Interface** — Access Insights with Ease ## Market Segments - **Payments cost optimization and merchant statement analysis**: Capabilities that analyze merchant statements, benchmark interchange and fees, identify errors and savings opportunities, and optimize processor relationships to reduce card-processing costs. - **Embedded and integrated platform payments**: API-first payment integrations, automated sub-merchant onboarding, white-labeled dashboards, revenue-sharing models, and provider routing for software platforms and marketplaces to embed payments without a PayFac license. - **Bank merchant services program**: End-to-end merchant services programs for banks to run or license merchant acquiring, generate recurring revenue, manage provider networks, and access outsourced chief payments officer expertise. - **B2B payments and ERP integration**: Enablement of Level 2/Level 3 interchange discounts, ACH workflows, ERP compatibility, and merchant statement audits to lower costs and improve reconciliation for business-to-business payment flows. - **Ecommerce payment processing and fraud prevention**: Platform-agnostic ecommerce payment optimization with payment gateway integration, independent processor comparison, rate optimization, and fraud detection to improve conversion and reduce processing costs. ## Ideal Customer Profiles ### Growth Stage Ecommerce And B2B Platforms Mid-market ecommerce and B2B platforms seeking cost optimization and scalable, cross-platform payments. - Industry: Ecommerce, Retail technology, B2B services - Geography: North America, Europe - Pain points: High card processing costs; fragmented provider networks; onboarding friction; limited visibility into payment performance - Business goals: Reduce processing costs, simplify payments, accelerate platform monetization, improve governance - Positioning: Platform-agnostic payments optimization and analytics enable cost reductions, streamlined onboarding, and scalable monetization for mid-market ecommerce and B2B platforms. #### Persona: Head Of Payments - Needs: Clear cost analyses, reliable integrations, cross-platform compatibility - Goals: Lower processing costs, standardize payments, improve cross-team alignment - Challenges: Siloed teams, changing rates, onboarding delays - Pain points: Hidden fees, long vendor onboarding, data fragmentation - Solution: Use B2B Payments Solutions for Level 2/3 discounts and merchant statement audits; Embedded Payments Platform and Integrated Payments Platform enable API-first, low-friction deployments; Staitment delivers automated payment analytics. #### Persona: Platform Engineering Lead - Needs: Robust API access, scalable integrations, clear docs - Goals: Deliver seamless payments in product, maintain code quality - Challenges: API fragmentation, onboarding delays - Pain points: Integration complexity, ongoing maintenance burden - Solution: Embedded Payments Platform and API-first integrations provide scalable, developer-friendly embeds; Automated sub-merchant onboarding reduces go-live times; Staitment offers actionable analytics to monitor performance. ### Software Platforms Needing Embedded Or Integrated Payments SaaS and software vendors seeking to embed or integrate payments into their product. - Industry: Software, Technology, SaaS - Geography: North America, Europe, Asia-Pacific - Pain points: Onboarding friction; PCI compliance; provider fragmentation; time-to-market pressure - Business goals: Monetize via payments; accelerate product roadmap; ensure security and compliance - Positioning: Platform-ready payments with robust APIs, automated onboarding, and compliant governance to accelerate embedding payments and monetization for software platforms. #### Persona: Platform Architect - Needs: Reliable APIs, clear integration guidelines, scalable architecture - Goals: Deliver seamless payments in product, minimize risk - Challenges: API versioning, vendor lock-in - Pain points: Inconsistent docs, slow onboarding - Solution: Embedded Payments Platform and Integrated Payments Platform with API-first design; automated onboarding; PayFac-enabled options for white-label deployments. #### Persona: Head Of Platform Partnerships - Needs: Partner ecosystem, revenue sharing, technical enablement - Goals: Expand partnerships, accelerate time-to-market - Challenges: Finding reliable providers, balancing speed with compliance - Pain points: ROI uncertainty, integration complexity - Solution: Platform-ready payments with 70+ providers via Embedded/Integrated Platforms; PayFac solutions for white-label options. ### Banks And Financial Institutions Merchant Services Programs Banks building merchant services programs for commercial customers to grow revenue. - Industry: Banking, Financial Services - Geography: North America, Europe - Pain points: Vendor management, revenue leakage, compliance risk - Business goals: Grow commercial client base, expand recurring revenue, streamline program governance - Positioning: Bank-focused merchant services program governance and provider network optimization to grow revenue and streamline merchant services operations. #### Persona: Bank Program Manager - Needs: Vendor network management, governance, reporting - Goals: Expand commercial merchant base, optimize program profitability - Challenges: Cross-department coordination, regulatory changes - Pain points: Vendor churn, contracts complexity - Solution: Bank Partner Program and PayFac-enabled solutions provide governance, onboarding, and access to 70+ providers. #### Persona: Chief Payments Officer - Needs: End-to-end governance, risk management - Goals: Maximize revenue, ensure compliance - Challenges: Regulatory changes, legacy systems - Pain points: Limited visibility, high vendor risk - Solution: Bank Partner Program and Outsourced Chief Payments Officer support deliver governance and scale revenue. ### PayFac Enablement And Embedded Payments Providers PayFac providers seeking turnkey deployment and compliance guidance. - Industry: Fintech, Software, Payment Services - Geography: Global - Pain points: Regulatory compliance, onboarding delays, partner sourcing - Business goals: Launch PayFac quickly, scale, expand partner ecosystem - Positioning: Compliance-first PayFac enablement with onboarding automation and revenue sharing for platform-enabled payments. #### Persona: PayFac Program Manager - Needs: Turnkey PayFac infrastructure, ongoing compliance guidance - Goals: Launch PayFac operations quickly, scale throughput - Challenges: Regulatory changes, partner sourcing - Pain points: Onboarding delays, compliance risk - Solution: PayFac Payments Solutions offers PayFac-in-a-Box deployments, onboarding guidance, and compliance and risk management support. #### Persona: Compliance Officer - Needs: Ongoing risk management, underwriting standards - Goals: Maintain regulatory compliance across PayFac operations - Challenges: Audits, regulatory changes - Pain points: Penalties, non-compliance - Solution: PayFac enablement with ongoing compliance and risk management. #### Persona: Platform Engineer - Needs: Reliable, scalable API integrations - Goals: Implement PayFac infrastructure inside product - Challenges: Integration complexity - Pain points: Maintenance burden - Solution: PayFac-in-a-Box deployment and API-first integration support.