Switch Commerce Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Switch Commerce is an ATM processor that works with independent sales organizations (ISO). ISOs sell ATMs to businesses that want to increase revenue. Once an ATM machine is in a business, Switch Commerce handles the day-to-day ATM payment processing

Specializes in

Switch Commerce specializes in ATM payment processing for ISOs of various sizes. It provides a full suite of terminal management systems, allowing customers to monitor their ATM machines from the web and mobile phones.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.99%

Keyed-in Rate: 2.99%

Early Termination Fee : Undisclosed

Contract Terms:

Visit Switch Commerce

Switch Commerce bills itself as a cutting-edge ATM provider that offers advanced ATM management tools. Its website indicates its customers profit from its currency conversion program, automated reversals, and vault cash program.

Switch Commerce Overview


The company began operations in 2002 as an ATM payment processor, with its headquarters in Irving, Texas, a Dallas/Fort Worth Metroplex suburb. Switch Commerce services the United States, U.S. Virgin Islands, Puerto Rico, and the Asian Pacific. 

The company promotes its Dynamic Currency Conversion Program as a way to boost revenues through charges for currency exchange. Switch Commerce recommends this feature for any ATM located in airports, tourist areas, and communities with large numbers of international cardholders.

Customers can also enhance cash flow through Switch Commerce’s Vault Cash Program, which stocks the ATM on behalf of the clients, so their money can remain engaged in their core business operations.

Switch Commerce also touts its ability to automatically reverse non-dispensed approvals and provide before and after transactions for any dispute, saving clients time and aggravation.

Quick Facts

Head Quarters

Irving, TX

Year Founded



Nancy Rimmer



Merchant Provider Risk Tolerance

What We Like

Cloud-based ATM management

Cash Vault Program frees cash

Extra profits on currency conversions available

What We Don't Like

No longer offers payment processing

ATM processing only

Uncertain contract terms

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Hunting & Outdoor Equipment
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store

Business Types Served

  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Switch Commerce Products & Services


Hardware and Software

Switch Commerce provides up-to-date terminal management systems (TMS). The company’s website notes that its machines have a 99.999% uptime. It offers remote TMS that allows clients to access the terminal in real-time, manage settlements, and generate reports. The company advertises the ease of navigating its TMS system, even for ISOs with large portfolios of ATM machines.  

Clients also receive access to Switch Commerce’s mobile TMS. Alerts, such as for low funds, come directly to their mobile phones. Clients can also access all the terminal’s data, such as transaction amounts, approvals, and monthly totals.

Value-Added Services

At one point, Switch Commerce was offering complete merchant account and credit card processing solutions as an added service to its clients. This was provided through the iPayHere payment processing system, with Switch Commerce as a reseller. However, iPayHere is no longer operating, and Switch Commerce’s website does not indicate any new payment processing options. 

Switch Commerce provides its clients with next-day settlements and pays interchanges monthly. The company’s sales collateral also indicates it conducts several annual security audits and maintains compliance with PCI DSS, PCI PIN, VISA PIN, Audit, and TR-PIN Security Review.

Payment Types

Switch Commerce processes payments for all major debit- and credit cards, including Visa, Mastercard, and Discover. It provides cash advances as well as account withdraws. The company handles foreign currencies but does not indicate if it processes cryptocurrencies.

Switch Commerce Payment Processing

  • Credit Card Processing
  • Credit Card Terminals
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments

Switch Commerce Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Switch Commerce Advertising & Sales

Rather than selling directly to end-users, Switch Commerce relies on relationships with ISOs to market its ATM processor services. These ISOs build large portfolios of ATM machines, which are placed in numerous types of businesses, from convenience stores to casinos. They may also be placed in public places, such as airports, train stations, or bus stations. 

In the payment processing industry, reliance on ISOs can lead to voluminous complaints. However, Switch Commerce is not a payment processor but an ATM processor and does not seem to have this issue. In fact, we are unable to find any complaints about Switch Commerce ISOs.

At one point, SwitchCommerce advertised its SwitchPay mobile payment processing services, which allowed businesses to take payments on smartphones. It had a website at switchpay.com. However, that website is no longer in service and no more advertisements have been circulated, leading us to believe Switch Commerce has exited that side of the business.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Switch Commerce Pricing, Rates & Fees


Switch Commerce does not list pricing information on its website for ATM processing. It did list pricing for its payment processing services, but they have been discontinued.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$2.00 Per Month

Equipment Lease Terms

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Switch Commerce Contract & Terms

Switch Commerce does not disclose its contract terms with ISOs. 

Contract Length


Early Termination Fee


Switch Commerce Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Switch Commerce Complaints, Ratings & Reviews

Switch Commerce is non-accredited with the Better Business Bureau, and so is not rated. It has received 0 complaints in the last 36 months.

The company received 3.3/5 stars over 3 online reviews, which isn't enough data to determine a wholly positive or negative rating.

There was no negative feedback posted against the company online with any consumer websites.





3.3 Stars / 3 Reviews


No Ratings yet


No Reviews yet


Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks