Serious capital.
Smarter payments.
Capital up to $1M+. Processing that eliminates your fees. Technology that gives you an edge.
The payments industry wasn’t built for you.
Most payment companies are built to serve themselves — not the businesses that depend on them.
Your Processor Is Stealing From You
Hidden markups, junk fees, and statement padding. They're counting on you not reading the fine print.
Your Terminal Belongs in a Museum
Your competitors run contactless and mobile wallets. You're rebooting a terminal from 2014.
They Ghosted You After the Sale
They cashed the commission check and vanished. No optimization, no support, no one picking up.
You're Running Someone Else's Playbook
Cookie-cutter setups that ignore your industry and your margins. You deserve better than generic.
Accept payments your way
Zero-cost, surcharge, and traditional programs that eliminate or reduce your fees. In-store, online, or on the go.
SmarterCapital
Serious capital for businesses that plan to grow
Revenue-based funding up to $1M+. No equity dilution. Capital within 14 days.
Revenue-Based Funding
Up to $1M+ based on your processing volume — no equity dilution
Fast Approvals
Capital available within 14 days of processing with us
No Personal Guarantees
Access growth capital without putting your personal assets on the line.
Capital Available
$1M+
Based on your processing volume
24-Hour
Pre-Offers
No Personal
Guarantees
Fund in Days, Not Weeks
Fast capital when you need it
Tools that grow your business
Everything you need to attract, retain, and grow — from one partner.
Branded Mobile App
Your own iOS and Android app. Push notifications, mobile ordering, loyalty rewards, and engagement built in.
Custom Business Website
Online ordering, booking, and SEO — built and managed for you.
Online Billing & Invoicing
Invoices, ACH, recurring billing, and real-time tracking in one place.
AI Marketing Suite
Automated campaigns, review management, and re-engagement — powered by AI.
Advanced Reporting
Real-time dashboards for sales, deposits, and performance across all locations.
Loyalty & Gift Cards
Points-based loyalty, digital gift cards, and retention campaigns that drive repeat visits.
SmarterCFO
Every growing business needs a CFO. Now you have one.
Turn your bank and processing statements into clear answers — profitability, cash flow, and hidden fee leaks.
Know where you're winning, where you're bleeding, and what to fix next.
- Spot margin leaks and unnecessary fees
- Understand cash flow and runway at a glance
- Track vendor costs and rate changes
- Get clear next-step recommendations
Tailored for the industries we serve
Payments and capital solutions built for the industries we know best.
Restaurants
Protect your margins with optimized processing and flexible capital for staffing, inventory, and expansion.
Learn more
Restaurants
Protect your margins with optimized processing and flexible capital for staffing, inventory, and expansion.
Learn moreRetail
Fast checkout, inventory management, and omnichannel payments for modern retail.
Learn moreService Businesses
Fast funding for growth and processing built for appointments, invoices, and repeat customers.
Learn moreMedical / Med Spas
HIPAA-compliant processing and capital solutions for healthcare and wellness providers.
Learn moreFranchises
Scalable payment infrastructure with centralized reporting across all locations.
Learn moreMeet the team behind SmarterSwipe
We saw how broken payment processing was. So we built something different — not just a processor, but a partner.
Kevin Singh
Co-Founder
Steve Sood
Co-Founder
Nicole Nguyen
Chief Executive Officer
Billy Anderson
Chief Operating Officer
Let's build the right payment solution together
Tell us about your business. We'll design the right strategy.
Understand your business
We learn about your operations, volume, and goals
Design the right solution
Custom payment strategy with the right hardware, software, and pricing
Install, support, optimize
White-glove setup with ongoing optimization and support
Ready to Stop Overpaying?
Get pre-approved for up to $1M+ in capital and start saving on every transaction. Takes 2 minutes.