Swipesimple

What Swipesimple does

SwipeSimple is a cloud-based mobile point-of-sale (mPOS) platform developed and operated by CardFlight, Inc., a privately held New York corporation headquartered at 228 Park Ave S. The platform enables small businesses to accept card payments across three hardware/software form factors — SwipeSimple Payments (mobile app and gateway for phones, tablets, and computers), SwipeSimple Terminal (PAX A920 Pro all-in-one device), and SwipeSimple Register (PAX Aries 8 POS terminal) — supporting EMV Quick Chip, contactless, and magnetic stripe transactions. Card data is encrypted from reader to backend using DUKPT key management with TDES, served over 256-bit EV SSL with HSTS, and the platform is designed to comply with PCI-DSS. Complementary software features include invoicing, payment links, virtual terminal, text-to-pay, scheduled/recurring payments, customer management with card-on-file, and a reporting dashboard; an App Marketplace adds QuickBooks Online Sync, Text Loyalty & Reviews, and Appointments integrations. Tap to Pay on iPhone support was enabled through Apple and surfaced across partner distributions including Worldpay in October 2025.

SwipeSimple serves 125,000+ small business merchants across food and beverage, retail, in-person services, and on-site technical services, with nonprofit as a secondary segment. The product is sold exclusively through a partner channel model — over 100 merchant acquirers, ISOs, agents, regional processors, and financial institutions, including ten of the top 30 U.S. merchant acquirers and named partners such as Global Payments, Nuvei, Paysafe, Worldpay, Truist, Gravity Payments, Celero, Deluxe, Evolv, Kurv, Maverick Payments, Payroc, SignaPay, Talus Pay, VizyPay, Wholesale Payments, and Xplor Pay. Revenue is generated from payment processing fees routed through acquirer partners, software subscriptions, and hardware sales (card readers and terminals, directly and via authorized resellers), with custom-branded/white-label deployments available to partners who want to own the merchant relationship. Pricing is set by partners and not publicly disclosed. CardFlight/SwipeSimple maintains a 4.8 App Store rating (5.3K reviews), a 4.7 Google Play rating (2.5K reviews), and reports 99% customer service satisfaction from the reseller network.

Name

Swipesimple

Legal name

CardFlight, Inc.

Website

https://swipesimple.com

Company type

Private

Operating status

Operating

Short description

SwipeSimple, a CardFlight product, provides cloud-based mobile POS software and hardware (Payments, Terminal, Register) to 125,000+ U.S. small businesses, distributed exclusively through 100+ merchant acquirers, ISOs, and financial institutions.

Ownership category

akta.pro rank

Product category

Mobile Point-of-Sale (mPOS) / Payment Acceptance Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)

akta.pro secondary industries

Payment PIN Pads, Card Readers & NFC Contactless Devices (HDACAKAG), In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Mobile payment processing
• Point of sale systems
• Card reader hardware
• Merchant services software
• Contactless payment acceptance

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Supply Chain, Infrastructure

Revenue model

1. Payment Processing Fees: Transaction-based fees charged to merchants for processing credit card payments. Merchants work with their merchant acquirer or credit card processor for billing and fee structures.
2. Subscription Services: Some CardFlight Services require paid subscriptions with automatic monthly renewal. Billing cycles are one month in length by default.
3. Hardware Sales: SwipeSimple hardware products including card readers, terminals (PAX A920, A80), and register systems can be purchased directly or through authorized resellers.
4. Software Packages: Tiered software packages including SwipeSimple Payments (mobile + gateway), Terminal, and Register software packages with varying feature sets.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

SwipeSimple (a product of CardFlight, Inc.) is a cloud-based mobile and POS payment acceptance platform that enables small businesses to accept credit card payments across phones, tablets, computers, and dedicated terminals/devices. The platform bundles software with EMV Quick Chip, contactless, and magnetic stripe hardware, plus an app marketplace with QuickBooks Online Sync, Text Loyalty & Reviews, and Appointments add-ons. It is sold exclusively through merchant acquirers, ISOs, agents, banks, and financial institution partners, with options for white-label and custom branding.

Product overview

SwipeSimple is a payment acceptance platform for small businesses offered by CardFlight, Inc. The product portfolio consists of three core hardware/software solutions: SwipeSimple Payments (mobile + gateway for phones, tablets, and computers), SwipeSimple Terminal (all-in-one card reader device, PAX A920 Pro), and SwipeSimple Register (full POS system, PAX Aries 8). These are complemented by a suite of core software features including Invoices, Payment Links, Virtual Terminal, Text to Pay, Scheduled Payments, Customer Management, and Reporting Dashboard. The platform also offers an App Marketplace with integrated add-ons for QuickBooks Online Sync, Text Loyalty & Reviews, and Appointments. Target segments include food and beverage, retail, in-person services, and on-site technical services merchants.

Differentiator

Problem solved

Functional benefit

Brands

• SwipeSimple Payments: Mobile and gateway payment solution allowing merchants to accept payments on phone, tablet, or computer.
• SwipeSimple Terminal
• SwipeSimple Register
• SwipeSimple Marketplace

Products and services

• SwipeSimple Payments SwipeSimple Payments is a mobile and web-based payment acceptance solution that lets merchants take credit card payments on a phone, tablet, or computer. It supports EMV Quick Chip, contactless, and magnetic stripe payments through compatible card readers and is targeted at small business merchants acquiring it through their merchant acquirer, ISO, bank, or processor.
• SwipeSimple Terminal SwipeSimple Terminal is an all-in-one handheld credit card terminal software package powered by the PAX A920 Pro, designed for fast, reliable in-person payments with receipt printing and cloud-based inventory management for small business merchants.
• SwipeSimple Register SwipeSimple Register is a point-of-sale system software package built on the PAX Aries 8 device, packing register functionality with time-saving features for in-store retail environments serving small business merchants.
• SwipeSimple Mobile App SwipeSimple Mobile App is a full-featured point-of-sale application for iOS and Android that turns a merchant's phone or tablet into a payment acceptance and business management device for small businesses on the go.
• Card Readers SwipeSimple card readers are mobile hardware devices (audio jack and Bluetooth form factors, plus custom-branded B350 readers available to partners) that enable fast in-person card-present acceptance when paired with the SwipeSimple mobile app.
• Tap to Pay on iPhone Tap to Pay on iPhone is a SwipeSimple payment acceptance capability that lets merchants accept contactless payments (including Apple Pay) directly on a compatible iPhone with no additional card-reader hardware, targeted at small business merchants and their acquirer partners such as Worldpay.

Quantifiable outcome

• 125,000+ merchants trust SwipeSimple for payment acceptance
• +2 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

19 partnerships are on record, tiered core and minor.

• WorldpaycoreChannel Partner/ Reseller/ Distributor · 26 October 2025Worldpay has introduced support for Apple's Tap to Pay on iPhone feature for merchants using the SwipeSimple payment platform. This partnership enables Worldpay merchants to accept contactless payments directly on an iPhone, expanding in-person payment options for small businesses.
• CelerominorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions to merchants. Celero focuses on providing payment technology to small businesses.
• DeluxeminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions. Deluxe provides merchant services alongside their other business solutions.
• EvolvminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions to merchants through their poweredbyevolv.com platform.
• Global PaymentscoreChannel Partner/ Reseller/ DistributorMajor merchant acquirer partner offering SwipeSimple payment solutions to merchants. One of the largest payment processors in the industry.
• Gravity PaymentsminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions. Known for their mission-driven approach to merchant services.
• KurvminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions through kurvpay.com platform.
• Maverick PaymentsminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions to merchants.
• NuveicoreChannel Partner/ Reseller/ DistributorMajor merchant acquirer partner offering SwipeSimple payment solutions. Nuvei is a leading global payment technology company.
• PayrocminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions to merchants.
• PaysafecoreChannel Partner/ Reseller/ DistributorMajor merchant acquirer partner offering SwipeSimple payment solutions. Paysafe is a leading global payments provider.
• SignaPayminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions to merchants.
• Talus PayminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions through taluspay.com platform.
• TruistcoreChannel Partner/ Reseller/ DistributorMajor financial institution partner offering SwipeSimple payment solutions to small business customers through Truist's merchant services division.
• VizyPayminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions to merchants.
• Wholesale PaymentsminorChannel Partner/ Reseller/ DistributorPartner reseller offering SwipeSimple payment solutions to merchants.
• Xplor PayminorChannel Partner/ Reseller/ DistributorPartner offering SwipeSimple payment solutions through Xplor Technologies' Xplor Pay division for industry-specific payment needs.
• Apple (Tap to Pay)coreTechnology or IntegrationSwipeSimple supports Apple's Tap to Pay on iPhone technology, allowing merchants to accept contactless payments directly on an iPhone without additional hardware. This integration enables expanded in-person payment capabilities.
• QuickBooks OnlinecoreTechnology or IntegrationQuickBooks Online Sync integration allows merchants to automatically sync their SwipeSimple transactions to QuickBooks Online, eliminating manual bookkeeping. Part of the SwipeSimple App Marketplace.

Scale indicators7 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• SumUp: SumUp is a global mPOS provider offering card readers, Tap to Pay on iPhone, and POS software to micro and small merchants. It competes with SwipeSimple on mobile and contactless acceptance, though SumUp sells direct and operates internationally where SwipeSimple does not.
• Lightspeed Commerce: Lightspeed provides cloud-based POS systems for retail and restaurant SMBs, including contactless payments, hardware terminals, and a third-party app marketplace. It competes with SwipeSimple across retail and F&B use cases with a similar SMB and mid-market focus.
• Toast: Toast is a leading cloud-based POS platform purpose-built for restaurants, with hardware terminals, contactless/NFC acceptance, Tap to Pay on iPhone, and a vertical app marketplace. It competes with SwipeSimple for the food and beverage vertical SwipeSimple explicitly targets.
• Clover (Fiserv): Clover is the most directly comparable competitor — a POS/merchant acceptance platform distributed primarily through acquirers and ISOs to SMBs. It also offers hardware (station, mini, flex), an app marketplace, and white-label for partners, mirroring SwipeSimple's distribution model.
• Square (Block): Square's mobile POS, card readers, and Tap to Pay on iPhone directly compete with SwipeSimple for small business payment acceptance. Both target SMBs with EMV/contactless readers and software packages, though Square sells direct while SwipeSimple sells exclusively through acquirers.
• PayPal Zettle: PayPal Zettle (formerly iZettle) is a mobile POS and card reader solution for SMBs supporting EMV chip, contactless, and Tap to Pay on iPhone. It overlaps directly with SwipeSimple's mobile acceptance product for small merchants.

Emerging players

• Helcim: Helcim is a payment processor offering card readers, online checkout, and POS-style tools to SMBs, often through ISOs and direct channels. It overlaps with SwipeSimple's SMB acceptance and ISO distribution model.
• Stax (formerly Fattmerchant): Stax provides subscription-based payment processing plus POS hardware and software for SMBs, frequently distributed through partner channels and ISOs. It competes with SwipeSimple's software-plus-hardware acceptance model for similar merchant profiles.
• Revel Systems: Revel Systems offers iPad-based POS terminals and payment acceptance for retail, restaurants, and grocery SMBs. It competes with SwipeSimple in SMB verticals needing an integrated register-style POS with contactless acceptance.

Broad incumbents

• Stripe Terminal: Stripe Terminal extends Stripe's online payment platform into in-person card readers and Tap to Pay on iPhone for SMBs and platforms. While its primary GTM is developer-led, the in-person product directly competes with SwipeSimple for software-forward merchants and SaaS-reseller channels.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cardflight
• Facebookfacebook.com/CardFlight
• LinkedInlinkedin.com/company/cardflight

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Swipesimple