Are You at Risk of Losing Your Merchant Account?
Processors monitor risk signals long before they shut down an account. Most merchants never see the warning signs until it's too late. If any of these apply to your business, your account may already be under review.
- Chargebacks creeping above 1%
- Refunds increasing month-to-month
- Processing volume suddenly increasing
- Transactions not matching business category
- Processor requesting documentation
Find Out in 60 Seconds
Use our free risk calculator to see where your business stands before your processor makes the decision for you.
Check My Risk FreeWhy businesses switch to Swipe Saver Pro
You work hard for every sale. We make sure you keep as much of it as possible by eliminating hidden markups and mystery fees.
Know exactly what you’re paying
We unpack your statements line-by-line and show you the true effective rate you’re paying today, then compare it to a clear Swipe Saver Pro quote.
We handle the heavy lifting
Terminals, gateways, POS, and paperwork are handled for you. You keep taking payments while we quietly move you to better pricing.
Real-time reporting & insight
See your fees, rates, and savings in plain English. No jargon, no surprises, just the data you need to make decisions.
Built for the way you do business
Whether you’re in-person, online, or both, Swipe Saver Pro can support your payment flow without disrupting how you serve customers.
Restaurants & bars
Tip-friendly, table-side, and quick-serve setups with lower effective rates and smooth staff workflows.
Retail stores
Countertop terminals, full POS systems, and inventory-friendly solutions with honest pricing.
Service businesses
Invoices, recurring billing, payment links, and mobile payments built around how you work.
Ecommerce & online
Gateways, shopping carts, and subscription billing tuned for lower costs as you scale.
How it works
We keep the process simple so you can focus on running your business while we optimize your processing in the background.
Share your details
Upload a recent statement or answer a few quick questions about your volume and current processor.
Get your savings report
We calculate your true effective rate and show your projected monthly and annual savings with Swipe Saver Pro.
Switch without stress
If you like the numbers, we handle the transition, setup, and support so you don’t miss a single sale.
Clear pricing. Real savings.
No teaser rates or hidden surcharges. We use simple, transparent pricing designed to keep more revenue in your business.
Interchange-plus, the right way
You pay true interchange set by the card brands, plus a clearly defined markup. No blended rates, no padded “miscellaneous” fees.
- Transparent, itemized statements
- No long-term contracts
- No early termination penalty surprise
Sample savings scenarios
Realistic examples based on typical merchant profiles:
Restaurant · $50,000/month
Projected savings: $600–$900 per month
Retail · $35,000/month
Projected savings: $350–$500 per month
Ecommerce · $75,000/month
Projected savings: $800–$1,200 per month
Your exact numbers will depend on your statement. That’s why the free audit is the best place to start.
Request your free savings audit
Upload your latest processing statement or share a few details and we’ll send a custom report showing what you pay now and what you could save.
- No obligation or hard sell — just clear numbers.
- We highlight hidden fees and padded markups.
- You decide whether the switch makes sense.
Prefer to talk it through? Book a quick call and we’ll walk you through your results live.
What to Send for a Free Review
Upload your most recent merchant processing statement and we'll review:
- Your true effective rate
- Hidden markups and monthly fees
- Chargeback or risk flags
- Estimated savings opportunities
Takes about 2 minutes. No obligation.
Your statement stays confidential and is only used for your review.
Free Savings Audit
Fill out the short form below and our team will review your statement and send a custom savings breakdown.
What business owners are saying
“We saved over $700 a month on processing and the transition didn’t disrupt a single shift.”
“For the first time, I actually understand my fees. Everything is clear, and the savings are real.”
Referral & partner program
Have clients or peers who could benefit from lower processing fees?
Become a referral partner
Earn recurring commissions by sending merchants our way. We’ll handle the sales, onboarding, and support. You maintain the relationship.
- Ideal for consultants, bookkeepers, and agencies
- Dedicated support for your referred merchants
- Simple, transparent partner tracking
Frequently asked questions
Straightforward answers to the things merchants ask us most often.
Do I have to change my bank?
No. In most cases you keep your same business bank account — we simply change where your card deposits are routed from the processor.
Is there any downtime when I switch?
We schedule your go-live and test terminals and gateways so you don’t miss a sale. Most merchants experience no noticeable downtime.
Do you work with my existing POS?
In many cases, yes. If not, we’ll recommend compatible options that keep your workflow simple and your effective rate low.
What does the savings audit cost?
The savings audit is free. You’ll get a clear breakdown of your current fees and projected savings before you decide anything.
Are there long-term contracts?
We avoid trapping merchants in long-term, one-sided contracts. If a term is required, we make it clear and reasonable.
Can you integrate with ecommerce?
Yes. We support popular carts and gateways and can recommend setups that reduce your total processing cost online.
ISO & agent portal
Existing ISO agents and partners can log into the BTRPay portal to manage applications, track approvals, and monitor live accounts.
Use this link for direct access to your ISO portal:
Make onboarding easier
When merchants submit the pre-application or savings audit forms on this site, their details are routed to your team so you can quickly complete the full ISO application in the BTRPay portal.
- Standardized pre-app data
- Faster review and underwriting
- Clear visibility across your pipeline