Modern payments.Real intelligence.Built for the trades.
Most home service contractors overpay their processor every month — and never know it. 321 Swipe reviews your statements, finds the hidden fees, and shows you exactly what your payments are costing you.
Payment overview
This month
Job payments
$0
+12%
Jobs funded
0
+8%
Avg. job
$0
+4%
Weekly job payments
Recent
Apex Roofing LLC
Invoice paid · 2m ago
FlowRight Plumbing
Mobile payment · 18m ago
BrightLine Electric
ACH · job pymt · 1h ago
Insight from 321 Swipe
~$480/mo in hidden fees found
Statement · page 7 of 12
Payments shouldn't be this complicated.
Most processors make it hard to understand what you're really paying. Confusing statements, disconnected systems, slow collections, and no visibility quietly cost contractors money every month.
Unclear fee statements
Interchange-plus, flat rate, tiered pricing — most contractors can't decode their own statement.
Disconnected systems
Payment data in one place, job costs in another, cash in a third. Decisions get made blind.
Slow collections
Paper checks, net-30 terms, and manual follow-ups. Cash flow suffers while you wait for money already earned.
Limited visibility
No real-time view of effective rates, trends, or processing costs. You can't improve what you can't see.
Understand what your processing
is actually costing you.
Verian is 321 Swipe's payment intelligence platform. It turns processor statements into plain-English insights, clear fee visibility, and concrete savings opportunities.
No black-box reports. No confusing fee codes. Just a clear view of what you are paying, why it changed, and what to fix.
Payment Analytics
See your true effective rate, fee trends, and processing costs in one clear view — not buried in a 12-page statement.
Statement Review
Every month, a real analyst reviews your processor statement and tells you exactly what you're being charged — and what you shouldn't be.
Savings Identification
We tell you the exact dollar amount you're overpaying — not a vague percentage. Then we fix it.
Cash Flow Clarity
Know exactly when money hits your account after the job is done — and why deposits sometimes come up short.
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Exclusive to 321 Swipe clients
Statement analysis
Apex Roofing LLC · Roofing · $82k/mo volume
Your effective rate
3.15%
Current processor
Optimized rate
2.35%
After 321 Swipe
Fee breakdown
Estimated monthly savings
$640/mo
5 hidden fees identified · 0.80% rate reduction
What a 321 Swipe review actually finds.
Most contractors don't need another processor pitch. They need someone to translate the statement, identify the leaks, and explain what should change.
Every 321 Swipe client gets a monthly review by a human analyst — not an algorithm. We flag what we find, explain it in plain English, and help you act on it.
Markup Creep
Processor markups that quietly increase after the original agreement — often without notice or explanation.
Hidden Monthly Fees
PCI fees, batch fees, statement fees, and access fees that compound quietly and rarely get questioned.
Interchange Downgrades
Transactions routing at higher-cost interchange categories due to card type, missing data, or processor setup.
Funding Delays
Deposits arriving slower than standard, creating unnecessary cash-flow drag on jobs that are already complete.
Payment Workflow Gaps
Manual collection steps, missed invoice payments, or job and payment data that never connect.
Contract Traps
Long-term terms, liquidated damages, auto-renewals, and cancellation fees buried in the original agreement.
Software can process payments.
It can't understand your business.
Every contractor we work with gets more than a payment processor. They get a named advisor who picks up the phone, reviews their numbers, and brings savings opportunities before they have to ask.
Every account includes
No extra costA dedicated account advisor
A named person with a direct line — not a ticket queue.
Monthly statement review
Every month, without you having to ask.
Same-day response
On any business day. You won't sit on hold.
Month-to-month terms
No long-term contracts. Stay because it works.
A named advisor. Not a call center.
Every client gets a dedicated account manager who learns your business, your volume, and your goals. When you have a question, you call them — not a 1-800 number.
Monthly statement reviews. Without being asked.
We review your processor statement every month and bring the findings to you. New fees, rate changes, unusual activity — we catch it before it costs you.
Setup done right. Fast.
We handle everything — equipment, integrations, testing. Most clients are live in under a week with zero downtime to their operations.
Ongoing strategy. Not a one-time sale.
As your business grows, your payment strategy should evolve. We check in regularly and adjust your setup so you're never paying more than you should.
Independent by design. Built for contractors.
Many large processors are built around scale, margin, and investor returns. 321 Swipe stays independent, relationship-driven, and focused on contractor outcomes: lower costs, clearer reporting, and real accountability.
No PE ownership. No quarterly targets.
We're not owned by private equity. Our decisions are driven by what's right for contractors — not by fund returns or acquisition multiples.
Built around how you actually work.
Home service businesses have unique cash flow cycles, job-level costs, and field payment needs. We designed every product for that reality.
A real person who knows your business.
Not a call center. Not a chatbot. A dedicated account manager who reviews your statements, spots issues, and proactively brings you savings.
We move at the speed of your business.
No approval chains, no bureaucracy. When you need something changed, answered, or fixed — it gets done. That's the independent difference.
Everything a home service contractor needs.
Not a generic processor. A payment partner that understands field operations, job-level cash flow, and the real complexity of running a trades business.
Statement Analysis
Where the money isA human analyst reviews your processor statement every month. We find what you're being overcharged, explain it in plain English, and fix it — without you having to ask.
Payment Processing
The foundationAll card types. Interchange-plus pricing with full transparency. Next-day funding. No hidden fees, no rate creep, no surprises on your monthly statement.
Surcharging
Compliant surcharge programs designed to help offset processing costs while protecting the customer experience. We assist with setup, signage, and program guidance.
Mobile Payments
Tap-to-pay, digital invoices, and instant receipts — built for crews in the field, not at a desk. Works where your jobs happen.
Recurring Billing
Subscription and auto-billing for service agreements, maintenance plans, and annual contracts. Set it up once and collect reliably.
Contractor Workflows
Job-level reporting, payment links for estimates and invoices, and integrations with the tools your crew already uses.
See what your current processing
is really costing you.
Many contractors discover hundreds of dollars per month in avoidable fees during their first review. A free statement review gives you a clear picture of what you are paying — and what you should not be.