Member PagePayment intelligencefor CertainPathmembers.
321 Swipe helps CertainPath members simplify payments, review merchant statements, uncover hidden fees, and improve payment visibility — with workflows designed around the software and systems your team already uses.
Payment intelligence
CertainPath member overview
Job payments
$54,800
+9%
Jobs funded
211
+6%
Avg. job
$260
+3%
Current rate
3.18%
Before review
Optimized rate
2.44%
After review
Workflow status
Insight from 321 Swipe
3 fee issues found · est. $590/mo
×Payments that fit the way CertainPath members already operate.
Your payment system should not create extra back-office work. 321 Swipe connects processing, statement review, funding visibility, and contractor workflows around the systems your team already relies on.
How 321 Swipe connects to your workflow
CertainPath software
Your operations hub
Payment activity
Jobs, invoices, ACH
Deposit visibility
Funding clarity
Statement review
Human-reviewed monthly
Savings insights
Fees found & fixed
Connected payment workflows
Support payment activity around the systems and processes your team already uses — without adding unnecessary back-office complexity.
Cleaner back-office visibility
Give owners and office teams a clearer view of payments, deposits, fees, and funding activity — all in one place.
Statement review built in
Monthly reviews identify hidden fees, pricing changes, and avoidable processing costs — delivered to you proactively.
Human support when it matters
A real advisor explains what changed, what it means, and what should happen next — in plain language you can act on.
Payment processing should not slow down a growing home service business.
Many contractors have strong operational systems but weak visibility into processing costs, funding timing, and payment activity. That gap quietly costs money and creates unnecessary back-office work.
Disconnected payment data
Payments, deposits, and job activity become hard to reconcile when systems don't talk to each other.
Confusing processor statements
Fees, markups, downgrades, and rate changes are buried in complex monthly statements that take time to decode.
Funding questions
Owners need to know when money hits the bank, what was deducted, and why — without digging through reports.
Limited cost visibility
Without a clear effective rate and fee review, it's hard to know whether processing costs are fair or quietly growing.
What a 321 Swipe review actually looks for.
Most contractors don't need another processor pitch. They need someone to translate the statement, identify the leaks, and explain what should change.
Markup creep
Processor markups that quietly increase after the original agreement — often without notice.
Hidden monthly fees
PCI fees, batch fees, statement fees, access fees, and other line items that compound quietly.
Interchange downgrades
Transactions routing at higher-cost categories due to setup, card type, or missing data.
Funding delays
Deposits arriving slower than standard — creating cash-flow drag on completed jobs.
Workflow gaps
Manual collection steps, missed invoice payments, or disconnected payment and job data.
Contract traps
Long-term terms, liquidated damages, auto-renewals, and cancellation penalties in the fine print.
See where your payment workflow may be leaking money.
Walk through your current setup in three steps. We'll highlight where the biggest opportunities are.
Current processing setup
Quick estimate
Current Monthly Fees
$2,250
Est. Monthly Savings Opportunity
$405/mo
assuming ~0.54% rate improvement
Statement analysis that connects payment data to better decisions.
Verian is 321 Swipe's payment intelligence platform. It turns processor statements, payment activity, and fee data into plain-English insights, clear cost visibility, and concrete savings opportunities.
Statement analysis
Apex Roofing LLC · Roofing · $82k/mo volume
Your effective rate
3.15%
Current processor
Optimized rate
2.35%
After 321 Swipe
Fee breakdown
Estimated monthly savings
$640/mo
5 hidden fees identified · 0.80% rate reduction
Software can process payments.
It can't understand your business.
Every CertainPath member working with 321 Swipe gets more than payment processing. They get a named advisor who understands contractor operations, reviews the numbers, and helps translate payment data into practical business decisions.
Every account includes
No extra costA dedicated account advisor
A named person with a direct line — not a ticket queue.
Monthly statement review
Every month, without you having to ask.
Same-day response
On any business day. You won't sit on hold.
Month-to-month terms
No long-term contracts. Stay because it works.
A named advisor. Not a call center.
Every client gets a dedicated account manager who knows your business and picks up the phone directly — not a 1-800 number or a support ticket.
Monthly statement reviews. Without being asked.
We review your processor statement every month and bring findings to you — fee changes, rate movements, unusual items — before you have to ask.
Workflow guidance around your systems.
CertainPath members run complex operations. We help payment workflows fit the systems and processes your team already relies on.
Ongoing strategy. Not a one-time sale.
As your business grows, your payment setup should evolve. We check in regularly and make sure you are never paying more than you should.
Payment support built for home service contractors.
Statement analysis
Intelligence firstMonthly reviews that translate fees, rates, and changes into plain English — with a human analyst on every review.
CertainPath workflow support
Software-connectedPayment workflows designed to support the systems and processes CertainPath members already use — reducing back-office friction and improving visibility.
Payment processing
Transparent processing for card, ACH, mobile, and online payments. Interchange-plus pricing. Next-day funding.
Funding visibility
Clearer understanding of deposits, batches, funding timing, and daily payment activity.
Mobile payments
Tap-to-pay, digital invoices, and field receipts — built for crews on-site, not just the office.
Recurring billing
Support for maintenance agreements, memberships, and recurring service plans. Set up once, collect reliably.
Surcharging
Compliance-aware surcharge guidance that offsets processing costs while protecting the customer experience.
CertainPath members: see what your payment setup is really costing you.
Send us a recent processor statement and tell us how your payment workflow is set up. We'll review the numbers, look for hidden fees and pricing issues, and show where your payment operation can become clearer, cleaner, and more profitable.