Swipesum, the payments software and services company, today announced the launch of Swipesum CPO, a payments command center that brings a company’s entire payments function into one place. The product suite includes Audit, Merchant Account, Gateway and Connect, paired with a dedicated team of payments experts. This combination provides businesses with advanced payments capabilities, enabling control and flexibility without the resource commitment of self-built solutions or the integration challenges of piecing together issuers, processors, acquirers and reporting tools.
At the core of CPO is Swipesum Gateway, which leverages Mastercard Merchant Cloud capabilities as part of its underlying payment infrastructure. Through the Swipesum Gateway, businesses access modular payment solutions and services, including agentic capabilities, fraud protection, authentication, tokenization, data and partner services. CPO pairs that infrastructure with Swipesum’s AI-powered payments intelligence, provider-agnostic processing, embedded payments capabilities for software platforms, and a payments team that implements improvements the software identifies.
“For 10 years, we’ve acted as our customers’ Chief Payments Officer: analyzing their costs, negotiating with providers and fixing what wasn’t working. Now we’ve built the Chief Payments Officer,” said Michael Seaman, co-founder and CEO of Swipesum. “Most payments tools stop at telling a business what’s wrong. CPO pairs that intelligence with a payments team that actually fixes it. And because we’re provider-agnostic, the answer is always what’s best for that business.”
The launch comes as digital payments move rapidly toward network tokenization — yet most businesses still manage payments across disconnected providers and tools, often without an internal payments team to act on what the data shows. This limitation is especially expensive for mid-market companies, multi-location businesses, franchises, B2B and high-ticket merchants, and small businesses.
CPO is designed to close that gap. Swipesum’s platform can identify an issue, quantify the opportunity and then make the change, whether that means renegotiating processing rates, restructuring a merchant account, implementing network tokenization or redesigning an embedded payments program.
Through CPO, software companies, including ERPs and vertical SaaS platforms, will be able to extend advanced payments capabilities to their users.
“Our customers deserve options — regardless of the size of their business or payments team,” said Dylan O’Donnell, president of Terrier Technologies. “Swipesum gives users of our flagship ERP Clypboard a modern payments platform backed by a team that puts customer service first.”
The Swipesum CPO platform includes:
- Swipesum Audit is the evolution of Swipesum’s Staitment technology, combining modern AI with 10 years of proprietary payments intelligence, benchmarks and audit logic to analyze merchant statements, identify interchange, pricing and downgrade issues, and audit residuals. Audit is also available through an API.
- Swipesum Merchant Account delivers provider-agnostic processing, structuring each business’s backend around its economics, integrations and needs. AI-powered Audit continuously assesses costs to optimize that setup, adapting as needs change to ensure each business has the best and most cost-efficient merchant account.
- Swipesum Gateway, which leverages Mastercard Merchant Cloud capabilities, provides access to modular solutions and services, including network tokenization and credential lifecycle management that keeps stored cards current when they expire or are replaced, card vaulting, recurring payments, Level 2/3 capabilities, and security and fraud tools.
- Swipesum Connect is a managed PayFac offering that gives software companies, ERPs and vertical SaaS platforms embedded payments infrastructure, along with support for program design, pricing, merchant onboarding and go-to-market, to help platforms grow payments adoption and revenue.
- Swipesum Payments Team provides strategists, analysts and technical implementation resources, plus pricing negotiation and ongoing support, including shared Slack channels with customers.
The launch marks Swipesum’s 10th year. To learn more about Swipesum CPO, visit swipesum.com.
About Swipesum
Founded in 2016 and headquartered in St. Louis, Swipesum is a payments software and services company that acts as the Chief Payments Officer for businesses ranging from small merchants to publicly traded companies. Its CPO platform combines provider-agnostic payments technology, including Audit, Merchant Account, Gateway and Connect, with a dedicated team of payments experts who implement and continuously optimize each customer’s payments. The company has been named to the Inc. 5000 list of America’s fastest-growing private companies for three consecutive years and has been repeatedly ranked among Entrepreneur’s Top Franchise Suppliers. For more information, visit swipesum.com.
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