USBSwiper is a complete credit card processing system that was originally designed for small businesses who wanted an inexpensive way to take and process credit cards both at fixed locations such as their stores or Kiosks and for mobile applications such as seminars, trade shows, conventions, flea markets etc. What we found was that because of the amazing power, simplicity, low cost, and substantial benefits of combining our system with merchant accounts like PayLeap, PayPal, PayFlow, and Authorize.net, many medium sized and large businesses as well have purchased and benefited from our system.

USBSwiper's unique software application utilizes web services to process credit cards using the USBSwiper Magnetic Credit Card Reader.

USBSwiper.com has grown to be a leader among credit card processing solutions and has also received numerous awards from companies such as PayPal and eBay for its innovative software application.

There are 4 basic parts to the USBSwiper system (not including optional peripherals) that make this a convenient and inexpensive way to process credit card transactions.

1. Your Computer (PC or Mac) that acts as the actual credit card terminal
2. The merchant account (PayLeap, PayPal, PayFlow, Authorize.Net)
3. The Credit Card Reader that is plugged into any USB port on your computer
4. The software interface that takes the data off of the credit card reader and converts it into data that can be easily processed by the merchant account processing system.

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This depends on your merchant account. If you're using PayPal or Authorize.net they do provide tools for easily exporting to QuickBooks. If you're using any other merchant you will need to check with them for information on exporting to QuickBooks.

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YES! USBSwiper is currently also available in the U.K., and Canada. These are the countries that PayPal Virtual Terminal is available in. However, if you have a business in any one of these countries and have an approved PayPal Virtual Terminal account in one of them, you can take and accept credit cards with the USBSwiper system anywhere in the world.

The USBSwiper software for PayPal allows you to easily make currency conversions. Keep in mind however that having an approved PayPal virtual terminal account in one country may create what is called a "cross border" transaction rate that may be slightly higher than the processing rate you will have for taking cards in your own country. i.e.: taking credit cards in Japan may be at a higher processing rate if you have a U.S. based PayPal virtual terminal account. Those Japanese visa cards would be "cross border" cards. For more information on what those rates could be, please contact a PayPal representative.

YES! USBSwiper never locks you into any long term expensive contracts. We know how good our system is. That is why we don't need to lock you into a system like other companies do and why we have so few cancellations. But if you want to, you can cancel at anytime without a penalty!

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Yes! USBSwiper.com is always enhancing and updating its product. As an ongoing customer, you get full access to all updates and enhancements to our product line at no additional cost. However, if there is something unique that you need done to make your system work better for your business, and it is not something that is either already scheduled or will not be added to our list of typical upgrades, we are open to working with you to customize your USBSwiper product at a nominal cost.

Yes and No. USBSwiper connects with web servers over the internet to communicate and process credit cards. An internet connection is necessary for this to occur. However, you can still swipe the credit card transaction, collect customer data, create invoices and then go back and actually process the transactions at a later time if you find that you are at a location that does not offer internet access. In such cases you may also be interested in our Clear Wireless Internet plans.

USBSwiper.com is an authorized national dealer for "Clear Wireless" solutions. We offer both purchase and rental options.

While the USBSwiper system does need an internet connection to process your transaction, we understand that sometimes internet is lost or simply not available.

With the USBSwiper.com system, you can still swipe the credit card transaction, collect customer data and create invoices even if there is no internet connectivity available. At such time as the internet is available, you can go back and process your transactions. However, keep in mind that if you do not have internet capability and collect the customer information for processing later, you may run the risk of that transaction rejecting when you do go to process it because of a bad credit card. You may not want to give out merchandise until such time as you have an approved credit card transaction.

You may want to consider purchasing or renting your own internet "Air Card" or "Hot Spot" to give you 24/7 internet access anywhere you need it. USBSwiper.com is also an authorized national dealer for "Clear Wireless" solutions. If you need to purchase or rent an air card for your business, please click on the link below for more information on this vital system for your business.

USBSwiper uses your existing internet connection to communicate with merchant account web servers and process the transaction. Local internet speeds can effect the time it takes for a transaction to process. Under normal circumstances a transaction made over a high speed internet service (Cable, DSL, etc.) will only take 2 - 4 seconds to process.

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No. Printing a receipt and having customers sign it is entirely up to you as a seller. Often times we see companies accept non-signature transactions for anything under $25.00.

However, if you do not print and get a signed receipt from the customer, if they should happen to file a dispute (chargeback) with their credit card company, you will have no proof that the customer authorized the transaction. If a dispute should happen, you will be asked to provide any documentation you can to prove it was authorized, and then at the very least, you should get your merchandise back. Without such documentation you could very well not only lose your money, but also your merchandise.

We do recommend that you print receipts and get them signed by the customer whenever accepting credit cards.

USBSwiper.com offers a full line of optional small portable thermal receipt printers for you business.

The USBSwiper software is configured to work with all regular 8.5 x 11 laser or ink jet printers that are installed on your computer. The software is also configured to work with our complete line of small portable 2.25" thermal receipt printers.

Yes! The USBSwiper software allows you to toggle between cash and credit card transactions. You can easily create invoices for both while capturing and storing your customer's information for later database marketing and analysis through download of the data to an Excel spreadsheet or similar 3rd party software.

YES! USBSwiper.com saw the need for businesses such as Not-For-Profits and others that only need to accept credit cards for one or two events per year. USBSwiper created a discounted version of our great program which offers a very economical two-week solution for these types of situations. (We are also very flexible at designing a program that fits your needs. If you need slightly longer than 2 weeks, we are very accommodating.)

YES! The USBSwiper system was developed by one of only 13 ACE Certified PayPal Developers in the World! All credit card data is encrypted and also meets PCI compliance standards so you can trust the safety and integrity of your customer's credit card information.

USBSwiper has received awards from 2 of the biggest credit card acceptance giants… Namely PayPal and eBay. If they think our product is good – so should you!

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While the system is very easy to set up, we at USBSwiper.com believe that customer service is paramount to any company's success. We do not want to just make a sale and leave you to figure it out for yourself. We ask that once you purchase our system, that you call and schedule what we call an "interface session" with our technical support team which can usually be done within 24 – 48 hours of purchase.

On this call they will literally walk you through the setup interface of our software and your merchant account, have you run some test transactions to make sure everything is working properly and also teach you the amazing power and simplicity of the USBSwiper software system.

Merchant accounts have many fraud and security features and it is best that we guide you through setting all of them up properly so you can have the most efficient processing system available. We are here to answer any questions that you may have. Also, we are available for ongoing technical support as long as you are a valued USBSwiper.com customer.

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Your system is made up of 2 parts. The software part and the hardware part.

You may get started right away with the download, installation, and configuration of our software. Our quick-start-guide will walk you through that entire process. If you have trouble with this or would simply prefer one-on-one help you may contact our customer support team to schedule an "interface session" and we will be more than happy to set it up for you.

Note that merchant accounts provide various fraud management tools like AVS and CVV2. Depending on how you have this configured in your merchant account control panel you may run into problems processing credit cards through the software. For example, if your account is configured to block transactions where the address does not match, you would be forced to type in the full address each time you process a card.

The hardware (swiper, printers etc.) are usually shipped same day if your order was received by 11:00 am cst. Otherwise it will be shipped next day. In both cases we ship USPS priority mail (3 - 5 Business Days) unless you upgrade to USPS express shipping which is typically 1-2 business days. If you absolutely need your products shipped overnight, we also offer Fed/Ex for an extra fee. Please call our customer service department at (224) 677-0283 to discuss Fed/Ex shipping costs if you need that.

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Depending on your merchant account provider you may or may not need to batch-out transactions at the end of each day. If this is required you will have the ability to select a specific time for this to happen each day automatically, or you can also do manual batches as well.

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Please refer to our troubleshooting page in customer support to help solve common problems.

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On the surface, flat rates may seem slightly higher. However, because of the FLAT RATE transaction program offered though PayPal (one of our merchant account providers), when you look at the true cost of processing credit card transactions with other companies who offer seemingly lower rates you will find that those FLAT RATES are actually quite competitive.

After averaging out your monthly transactions with a variable merchant (which include qualified and non-qualified transactions) you will typically find that the average rate per transaction may often be the same or more than flat-rate merchant accounts offer.

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This will depend on whether or not you are using a variable-rate or flat-rate merchant account. We offer both solutions and would be happy to discuss your business needs and help you deterimine which account would be best suited for you and your business.

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Click here for a glossary of useful terms and information regarding merchant accounts, fees, costs and more!

Excellent question! When PayPal was first created, it was established to offer small businesses with website stores an easy way to accept credit cards on websites. Many of those merchants called PayPal to explain that they get a lot of calls from customers who would like to place an order over the phone. There was no easy way to take those orders and process credit cards at that point, so PayPal created their Virtual Terminal system to enable merchants to take those phone call orders and place the sale through a single one page screen. However, PayPal looked at that transaction as a riskier transaction for some reason and charged a higher rate for it. The USBSwiper system treats your transaction as a Website based transaction in the eyes of PayPal and therefore our system accesses PayPal's Web-server rates which gives you a cheaper transaction rate by .20%. Just another great feature of the USBSwiper product!

Click here For more information about the many benefits of the USBSwiper.com System[10:52:08 AM] Richard Freedkin: Click Here For More Information on USBSwiper Transaction Rates.

When merchant credit card companies quote you rates they typically quote you their lowest rate, or what is referred to as a "qualified rate". "Non-qualified" transactions carry a higher rate than qualified transactions. There are many types of credit cards that fall into the "non-qualified" transaction category including, but not limited to...

• Rewards Cards
  • Airline Miles
  • Hotel
  • Car Rental
  • Cash Back
• Company / Corporate Cards
• International Cards
• American Express

The rates for these types of transactions can vary widely which is why our flat-rate merchant account sometimes appeals to many business owners. We will be happy to consult with you as to which type of merchant account (variable or flat-rate) may be best for your business.

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Many times customers call a business and want to place an order using a credit card over the phone. This type of order is called a "Non-Card-Present" transaction because the customer is not in front of you handing you their card. In order to process this transaction; you have to manually type the credit card information into your terminal (otherwise known as "keying" the transaction in). Merchant Credit Card Processing Companies typically look at this type of transaction as a riskier transaction because you can not verify that the person calling in the credit card information is actually the owner of the credit card. Therefore, these transactions are not fully qualifed and are generally charged a higher rate.

The rates for these types of transactions can vary widely which is why our flat-rate merchant account appeals to many business owners.

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Yes...and no.

If you are using one of our merchant account or gateway options you will need the software in order to interact with their system.

Our USB swipers, though, are standard magnetic stripe credit card readers. They read track-1 and track-2 data off the card, and they will function just fine with any software application that is compatible with this "keyboard emulation" type of hardware swiper.

We recommend that you call your current merchant account provider and ask them if their system is compatible with our credit card reader.

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YES! USBSwiper (both our credit card reader and our software interface) has been designed for both Windows and Mac operating systems.

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Our software is compatible with any credit card reader that reads and combines both track-1 and track-2 data on a single line.

Only USBSwiper branded card readers are supported by our technical staff. Therefore, we recommend you take a look at our affordable credit card reader options.

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YES! The USBSwiper software is designed to be a single and/or multiple license program that all feeds into one merchant account. You can have multiple terminals (computers utilizing the software at the same time). You must purchase licenses for each terminal. We offer deep discounts for multiple licenses when purchased together, so if you are interested in running this system on multiple computers, it will be more cost effective to purchase those licenses together.

YES! We realize that there may be times where you will need to install the software on another machine. You can easily uninstall and reinstall the software on a new machine at any time without cost. Keep in mind that if you only purchased one license, you can only run the software on one computer at a time.

The only hardware requirement is your PC or MAC. The USBSwiper software allows you to enter data manually, the real power of the solution comes when combining our software with a light-weight, durable credit card reader.

The credit card reader can also read the data off of gift cards and drivers licenses for other data management scenarios. Any type of card that has data on track 1 and 2 of the magnetic strip can be read by our credit card reader.

Other hardware options that are available through USBSwiper.com are small, portable thermal printers and bar code scanners.

YES! The power of the USBSwiper software allows simple invoice and product population for FAST checkout speed. Simply enter your product bar codes into the back office of the software and you are ready to go. We even give you access to FREE bar code fonts that are compatible with the USBSwiper Bar Code Scanner and software. Just point and click and your product, price, description and other information is quickly entered into your invoice section seamlessly.

The USBSwiper System allows you to print receipts on any 8.5" x 11" laser or ink jet type printer that is installed on your computer. You can also print receipts with our complete line of portable 2.25 inch thermal receipt printers that are specifically formatted for the USBSwiper software.

YES! The USBSwiper Magnetic Credit Card Reader reads any magnetic strip data that is contained on track 1 and or 2 of the magnetic strip. Many businesses use our credit card readers for uses other than credit card processing. You can too!

PayPal has many different types of accounts. You will need to make sure you have been approved for their PayPal Virtual Terminal / Payments Pro system and have it activated on your PayPal account in order for our software to work with your account. This is an upgrade to a Standard PayPal account and PayPal charges $30.00/mo for this feature. You can however turn this account on and off and during the months in which it is turned off PayPal will not charge you.

You may also be interested in discussing our merchant account options that may also save you money when compared to PayPal.

If you need a merchant account you may apply here. If you are already using one of our compatible merchant gateways (PayPal Payments Pro / Virtual Terminal, PayFlow Pro, Authorize.Net) you may choose the corresponding software interface and proceed to checkout.

Click here to apply for a USBSwiper merchant account powered by PayLeap.

If you need a merchant account you may apply here. You will be contacted within 24 hours to ensure that our merchant account processor has all of the information they need to process your application. Once this is confirmed, the approval typically takes 24 - 72 hours.

No. Our software will function over the internet directly and does not rely on a web browser for authentication.

USBSwiper uses your existing internet connection to communicate with merchant account servers and process the transaction. Local internet speeds can effect the time it takes for a transaction to process. Under normal circumstances a transaction made over a high speed internet service (Cable, DSL, etc.) will take only 2 - 4 seconds to process.

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If you are using any merchant account other than PayPal Virtual Terminal / Payments Pro, your transactions will typically be deposited into your bank account within 48 - 72 hours after batching out (an automated process). The transaction fees are taken from your bank account at the end of the month so you get the full transaction revenue after that 48 - 72 hour batch out time period.

PayPal Payments Pro users will see the money deposited instantly into your PayPal account, at which time you may transfer it to your bank account which typically takes 48 - 72 hours. The PayPal fees are taken out immediately at time of transaction. Your revenue is deposited into your PayPal account less the processing and transactiuon fees.

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If you are using any merchant account other than PayPal Virtual Terminal / Payments Pro, your transactions will typically be deposited into your bank account within 48 - 72 hours after batching out (an automated process). The transaction fees are taken from your bank account at the end of the month so you get the full transaction revenue after that 48 - 72 hour batch out time period.

PayPal Payments Pro users will see the money deposited instantly into your PayPal account, at which time you may transfer it to your bank account which typically takes 48 - 72 hours. The PayPal fees are taken out immediately at time of transaction. Your revenue is deposited into your PayPal account less the processing and transactiuon fees.

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Currently, our software is compatible with the following merchant account processors / gateways...

• PayLeap
• PayPal Virtual Terminal / Payments Pro
• PayPal PayFlow Pro
• Authorize.Net

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Our USB swipers are standard magnetic stripe credit card readers. They read track-1 and track-2 data off the card, and they will function just fine with any software application that is compatible with this type of "keyboard-emulation" hardware swiper.

We recommend that you call your current merchant account provider and ask them if their system is compatible with our credit card reader.

Click here For more information about the many benefits of the USBSwiper.com System
Click here For more information on Rates, Fees and Costs

USBSwiper uses your existing internet connection to communicate with merchant account servers and process the transaction. Local internet speeds can effect the time it takes for a transaction to process. Under normal circumstances a transaction made over a high speed internet service (Cable, DSL, etc.) will take only 2 - 4 seconds to process.

Click here For more information about the many benefits of the USBSwiper.com System
Click here For more information on our powerful software interface

Yes! The USBSwiper software allows for you to toggle between cash and credit card transactions and easily create invoices for both while capturing and storing your customer information for later database marketing and analysis through download of the data to excel spreadsheets etc.

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You can either swipe the credit card information into the software or manually "key" the data in by typing into the invoice.

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YES! The USBSwiper software retains all NON credit card specific data so you can download it for easy customer data storage and database usage. Our software makes it easier for you to manage and grow your business!

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Yes. The software is configured to provide multiple options for currencies on any invoice. Keep in mind, though, that processing transactions in various currencies may result in additional fees for cross-border transactions, currency conversion, etc.

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YES! The USBSwiper software is a powerful credit card processing software that allows you to easily setup tax, shipping and discount rules for your products and locations. For more information on changing these settings, please see our video tutorial section located on our website.

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YES! The USBSwiper website has many video tutorials designed to help you understand, use and setup your USBSwiper product and software. We also ask that once you purchase our system, that you call and schedule what we call an "interface session" with our technical support team which can usually be done within 24 – 48 hours of purchase. On this call, they will literally walk you through the setup interface of our software with whichever compatible Merchant Account you have. They will also have you run some test transactions to make sure everything is working properly, and also teach you the amazing power and simplicity of the USBSwiper software system. Merchant Account Providers have many fraud and security features and it is best that we guide you through setting all of them up properly so you can have the most efficient processing system available. We are here to answer any questions that you may have. Also, we are available for ongoing technical support as long as you are a valued USBSwiper.com customer.

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