Payment intelligencefor Blue CollarSuccess Group members.
321 Swipe helps home service contractors review their merchant statements, uncover hidden fees, improve payment visibility, and make smarter decisions about processing costs — with real people reviewing real numbers.
Statement review
Apex Roofing LLC · last month
Current effective rate
3.22%
What you paid
Optimized rate
2.41%
After review
Findings
Est. monthly savings
$560/mo
3 issues identified · 0.81% rate improvement
Insight from 321 Swipe
3 hidden fees found · $560/mo est.
Built for the same contractors Blue Collar Success Group helps grow.
Growth-focused contractors need more than payment processing. They need visibility into what they are paying, how money is moving, and where avoidable costs are hiding. 321 Swipe brings payment intelligence and human support to the back-office side of growth.
Know what you're really paying
We translate confusing processor statements into plain-English insights so you can see exactly what every fee means.
Find hidden fees and pricing issues
We look for markups, interchange downgrades, monthly access fees, and avoidable costs hiding in your statement.
Improve payment visibility
We help contractors understand deposits, funding timing, and payment activity — so cash flow is never a guessing game.
What a 321 Swipe review actually looks for.
The review is the same one every 321 Swipe client gets: read the statement, find the leaks, explain the fix — and put a number on it.
Markup creep
Processor markups that quietly increase after the original agreement — often without notice.
Hidden monthly fees
PCI fees, batch fees, statement fees, access fees, and other line items that compound quietly.
Interchange downgrades
Transactions routing at higher-cost categories due to setup, card type, or missing data.
Funding delays
Deposits arriving slower than standard — creating cash-flow drag on completed jobs.
Payment workflow gaps
Manual collection steps, missed invoice payments, or disconnected job and payment data.
Contract traps
Long-term terms, liquidated damages, auto-renewals, and cancellation penalties in the fine print.
See what your current processing may be costing you.
Enter your monthly volume and current effective rate for an illustrative estimate. A real review is the only way to confirm actual savings opportunities.
Your current setup
Illustrative estimate
Adjust the sliders to see your estimate.
Statement analysis that makes processing easier to understand.
Verian is 321 Swipe's payment intelligence platform. It turns processor statements into plain-English insights, clear fee visibility, and concrete savings opportunities.
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
$656/mo
5 avoidable fees identified · 0.80% rate reduction
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 term, no exit fee, no auto-renewal window to miss.
One advisor who knows your business.
Every client gets a dedicated account manager who knows your business. When you have a question, you call them directly — not a 1-800 number.
Monthly statement reviews. Without being asked.
We review your processor statement every month and bring findings to you — new fees, rate changes, unusual activity — before you have to ask.
Setup done right. Fast.
We handle equipment, integrations, and testing. Most clients are live in under a week with zero downtime.
Ongoing strategy. Not a one-time sale.
As your business grows, your payment setup should evolve. We check in regularly and adjust so you're never paying more than you should.
Everything a home service contractor needs to manage payments smarter.
Statement analysis
Intelligence firstA monthly read of the statement by a person who knows the trades: what moved, why, and whether it was fair.
Payment processing
The foundationTransparent processing for card, ACH, mobile, and online payments. Interchange-plus pricing. Next-day funding. No hidden rate creep.
Mobile payments
Tap-to-pay, digital invoices, and field receipts — built for crews on-site, not just the office.
Recurring billing
Support for maintenance agreements, memberships, and recurring service plans. Set up once, collect reliably.
Funding visibility
Clearer understanding of deposits, batches, funding timing, and daily payment activity.
Surcharging
Compliance-aware surcharge guidance that offsets processing costs while protecting the customer experience.
Blue Collar Success Group members: see what your processor statement is really telling you.
Send us a recent statement. We'll review it, explain what you're paying, identify potential savings opportunities, and show you where your payment setup can improve.