Payments for startups, not the Fortune 500

The incumbents got too big to pick up the phone. eswipe gives startups lower fees, a human who answers, and fraud guards that are on before you need them.

Talk to a human Start building
Built forSaaSMarketplacesCreator platformsAI appsDTC brands
Early
Access 2.5% + 20¢ is here 💸See how much you'd keep ›

Smaller than the giants.
Built for every startup.

See pricing

Card payments designed for fast checkout and fees that don't eat your margin

→

Checkout

CardApple PayACH
Card number4242 4242 ···
Total$49.00
Pay $49.00
Your fee$1.43, not $1.72

Transparent pricing with interchange-plus from your first dollar, not your first million

→
YOUR RATE
2.5%
+ 20¢ · NO SURPRISES

Shield fraud protection on by default, before a fraud ring finds you

→
MK
LOW RISK
!
PAYOUT HELD
AS
LOW RISK
JT
LOW RISK
3DS
VERIFIED
RL
LOW RISK

Connect onboarding for marketplaces, with 14-day holds on new accounts

→
MKe

Maker Market uses eswipeVerify your bank to get paid

•••• 6789 · Verified ✓
Continue

Human support with a named engineer on every account, from charge one

→
JR
Jess · your eswipe engineer
● Online now
ActivityPayoutsDisputes
New seller, 1st payoutHeld 14d
Dispute won · fee back+$10
Weekly payout+$8,240

A payments stack that makes your margins better

Same card networks, same rails, same interchange. The difference is the markup and who picks up when something goes wrong.

2.5%

+ 20¢ per card
swipe, flat

$10

per dispute, and
refunded if you win

$0

per active
Connect account

1

named human on
every account

2.9% + 30¢ was built for a different era.

Drag the sliders and see what the default rate is costing you.

Compares Stripe's published US standard pricing (2.9% + 30¢, $15 per dispute) with eswipe's planned launch pricing (2.5% + 20¢, $10 per dispute). Domestic cards only.

You'd keep, every year
$0
Stripe standard$0/yr
eswipe$0/yr

Same rails. Smaller bill.

Stripe standardeswipe
Online card payments2.9% + 30¢2.5% + 20¢
Interchange-plusCustom, for large volumeIC + 0.25% + 10¢, day one
Dispute fee$15$10, refunded if you win
International cards+1.5%+1%
Connect, per active account$2 / month$0
Connect, per payout0.25% + 25¢10¢ flat

Stripe figures are its published US standard pricing as of November 2026. eswipe figures are planned launch pricing for US businesses and may change before general availability.

We built on Stripe for 15 years. Then we needed them.

We've shipped about 100 products on Stripe. Then a fraud ring ran $4,500 in stolen cards through one of our Connect platforms and cashed out to brand-new bank accounts within days.

There was no payout hold on new accounts, no 3D Secure by default, and no warning. When we asked for help, the answer was "you're fully responsible," fees and chargebacks included.

So we're building the payments company we wanted that week: small enough to care, and set up so the next startup doesn't learn this lesson the expensive way.

Fake sellers sign up on Connect6 accts
Stolen cards charged, mostly prepaid$4,500
Fast payouts to brand-new bank accounts−$2,810
Disputes land on the platform$15 each
"You are fully responsible."$0 help
Hold, verify, 3DS and flag before anyone cashes outCaught

Ready to ditch 2.9% + 30¢?
We've got the API keys.

If you know the incumbent's API, you already know ours.

Get the API keysRead the docs
/v1/payments
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const pay = await eswipe.payments.create({
  amount: 4900, currency: 'usd',
  shield: { threeDS: 'auto', prepaid: 'review' },
})
pay.fee     // 143, not 172
pay.status  // 'succeeded'
pay.support // 'jess@eswipe.dev', a real person

Swipe right on lower fees.

We're onboarding startups in waves. Leave your email and a human, not a drip campaign, will reach out.