Phone Swipe is a Scam and Ripoff!! They will tell you that they would only charge 2% and .19 cents per transaction but you will see monthly fees which they did not disclose. I even asked them if there's a hidden charge. They said NO. They just charged me $115 from my bank account. I just started my small business and I don't sleep sometimes baking the cupcakes. They took money more than what I make. They take advantage of small businesses!