Built by 321 Swipe

The tools behind a modern payments company.

Most processors sell a rate. We build software that shows a business what it is actually paying and why. Everything here is real and working. 7 of them you can open right now; the rest run on our own desks, behind every review we deliver.

Education

Statement Decoder

Every line on a processor statement, explained.

An interactive merchant statement for a fictional roofing company. Hover or tap any line for a plain-English explanation, a fair range and what we'd do about it; flip a switch to see every negotiable and avoidable fee light up with a running total.

23 fee explainersFlag modePartner variantsMobile

For contractors, partners, anyone with a statementTry it

Analysis

Statement Report Card

Six questions. A letter grade. A shareable link.

A two-minute check that scores a business's processing deal from A to F — pricing model, effective rate, contract terms, junk fees, equipment and review cadence — with each finding linked to the fee dictionary. Results encode into the URL, so nothing is stored and any grade can be forwarded to a rep.

A–F scoringEffective-rate calculatorShareable results

For prospects and partner membersTry it

Education

Fee Dictionary

Twenty-three processing fees in plain English.

A searchable reference for every line a contractor is likely to find on a statement — what it is, whether it's pass-through cost or processor margin, what a fair version looks like and what 321 Swipe does about it. Each entry is its own page with structured data for search.

23 entriesPass-through / markup / avoidableSEO pages

For anyone searching “what is a pci non-compliance fee”Try it

Pricing

Member Savings Calculator

What a fair rate is worth, in dollars.

Slide in monthly card volume and current effective rate and see the annual difference at a benchmark rate, built for Blue Collar Success Group members. The same calculator pattern powers the CertainPath workflow review.

Live slidersAnnual impactPartner-branded

For partner-program membersTry it

Operations

Payment Workflow Review

Three steps to a picture of how a contractor gets paid.

A guided intake for CertainPath members: volume and rate, how payments come in (field, office, invoice, ACH), and how deposits are tracked. It produces a first read on where the workflow leaks money before a human review begins.

Guided intakePayment mixDeposit visibility

For certainpath membersTry it

Operations

Secure Statement Upload

The front door for every free review.

A dedicated portal where a business drops a PDF or a phone photo of its statement and it lands with a 321 Swipe analyst. Rep and partner pages tag their uploads so each review routes to the right person.

PDF or photoRep routingAnalyst queue

For every prospectOpen

AnalysisInternal tool

Pricing Lab & Statement Analyzer

Import a statement. Model every pricing structure. Print the proposal.

The engine behind a 321 Swipe review. It imports a merchant's PDF statement and reads the volumes, card mix and fees line by line — every extracted number cites the statement line it came from — then prices the same month under interchange-plus, tiered, flat-rate and surcharge programs using the processor's own interchange tables and fee schedules (more than 20,000 formulas, verified one-to-one against the source workbook). One click produces a branded, print-ready proposal; a compliance gate checks surcharge rules state by state before a surcharging document can be generated.

PDF statement importIC+ / tiered / flat / surchargeGlass-box extraction reportProposal generator

For 321 swipe analysts and repsUsed in every review

PlatformPilot demo

321 Payment Hub

Create, send, collect and reconcile — in one workflow.

A payment-request and reconciliation layer for home-service businesses. The office creates a payment request in plain fields, the customer gets a merchant-branded invoice that pays comfortably on a phone through a hosted card page (no card data ever touches Payment Hub), and paid invoices land in a guided reconciliation queue for the field-service system. Piloting with a plumbing and heating contractor.

Invoice requestsBranded checkoutHosted paymentsReconciliation queue

For merchant office staff and their customersOpen

PlatformIn progress

Jobber → Authorize.net

Get paid through 321 Swipe pricing without leaving Jobber.

An integration for contractors who run their business in Jobber but don't want to be locked into its built-in payments. Invoices and customers stay in Jobber; card and ACH payments route through an Authorize.net gateway on 321 Swipe's interchange-plus pricing, and payment status syncs back to the job so the office never reconciles twice.

Jobber invoicesAuthorize.net gatewayInterchange-plusStatus sync

For contractors on jobberDemo coming

Why we build

Transparency is a product, not a promise.

Every processor says it's transparent. Almost none of them will put a statement on a screen and walk you through it line by line, because the statement is where the margin hides. We built these tools so that the walkthrough happens whether or not a rep is in the room.

They share one set of data — the same fee definitions power the decoder, the dictionary and the report card — so when interchange changes or a processor invents a new fee, we update it once and every tool learns it. The in-house analysis engine that produces our monthly client reviews runs on the same foundation.

If you run a partner organization and want a version of any of these branded for your members, that's a configuration, not a project. Talk to us →

Try the real thing

Software is the demo. The review is the product.

Send one recent statement and get it back the way the tools above show it — your numbers, your fees, your fix.

Request a statement review

FreeSame tools, your numbersNo obligation