getting started

How do I set up a Swoofee account?

To sign up for your free Swoofee account:

  • Click on the sign up for free button on the website.

  • Enter your email address and create a password.

  • You will be emailed a Verification code. Enter this code... and that's it!

You now have a Swoofee account and you can proceed setting up your company details and stripe account.

What information do I need to get started?

When creating a Swoofee account you will need the following:

  • An email address and a password
  • Your business name and address

Stripe will also require:

  • The name, address and DOB of company directors
  • Business name, address and your business bank account details

Why do I need a Stripe account?

Swoofee uses Stripe to process the card payments. Once a transaction is activated using Swoofee, all of the relevant details are passed to Stripe who handle the transaction and lodge the payment to your account. Once the payment has been cleared, Stripe will then transfer the funds from your Stripe account to you nominated business bank account.

Who are Stripe?

Stripe is a technology company based in San Francisco, California and has headquarters in Dublin, London, Paris and Singapore. Its software allows individuals and businesses to make and receive payments over the Internet. Stripe provides the technical, fraud prevention, and banking infrastructure required to operate online payment systems.

I don't have a Stripe account is that a problem?

A Stripe account is required to use Swoofee. When you are setting up your details in Swoofee we will direct you to Stripe to open a Stripe account—It will connect with Swoofee automatically.

I already have a Stripe account

If you already have a Stripe account you can connect this account to Swoofee if you wish. In Swoofee you will be prompted to create a new Stripe account or connect an existing account, in which case you will be prompted to enter your Stripe login details.

How do I use the Swoofee QR code

The Swoofee QR code can be placed on:

  • Invoices
  • Headed paper
  • Your website... your imagination is the limit!

You can also order specially made Swoofee cards with your unique QR code. A customer scans the QR code with their smartphone, launching your payment page, allowing customers to pay you. Swoofee can also generate additional unique QR codes for any once-off payments.

What is Swoofee Go?

Swoofee Go is a card containing your business's unique Swoofee QR code.

It is the modern alternative to outdated card machines and readers and virtually indestructible. Scanning this QR code with a Smartphone launches your payment page. A customer can enter the amount they wish to pay, their credit/debit card details on the screen and click pay. The payment is then made and will appear in the Swoofee portal.

What is NFC?

Swoofee Go cards also contain an NFC tag. A customer with an Android handset doesn't need to scan the QR code—Simply tapping the card against their handset will launch the payment screen!

How do I order Swoofee Go?

You can order Swoofee Go from within your Swoofee accounts. In the Swoofee account management portal, go to Swoofee Go (found under settings) and order. There is currently no additional charge for this service.

Who is Swoofee for?

Acupuncturists, Actor, Advertising agent, Sales agent, Animal Trainer, Art /drama/music school, Accountant, Bed & Breakfast, Bicycle hire/repairs, Builders, Caravan parks, Carpenters, Carpet installer, Chiropractor, Cleaners, Coaches, Consultants, Charities, Chimney Sweep, Cosmetologist, Counsellor, Craft Artist, Crèche, Delivery company, Dentist, Dermatologist, Dietician, Dog carer, Dog groomer, Dressmaker, Driving Instructor, Education & training, Electrician, Event planner, Fashion designer, Fitness instructors, Florist, General Practioner, Glazier, Graphic Designer, Gym, Handy man, HR consultancy, Home Appliance Repairs, Interior designer, Interpreter/translator, Ironworker, Landscaper, Locksmith, Machine Hire, Maintenance services, Man with a van, Massage Therapist, Music Teacher, Mechanic, Metal fabricator, Mobile Hair dresser, Model, Oil distribution company, Painter & decorator, Pest Control, Photographer, Plumber, PR Specialist, Psychologist, Recycling, Removal & skip hire, Reflexologist, Roofer, School or College, Sports organisations, Security Services, Taxi Driver, Chauffeurs, Tiler, Tire Repairers /Changers, Upholsterers, Vet, Web developer, Window cleaner, Window Installer.


How much does Swoofee cost?

Swoofee charges a transaction fee only. Fees start at 1.6% plus 20p plus VAT where applicable. Check out the prices page on our website for more information on prices in your country.

How are Swoofee fees collected?

When a payment is processed, Stripe will deduct the relevant fee from the transaction before the balance of the payment is transferred to your business bank account.

Is there additional fees for using Stripe?

No, there are no hidden costs. the fee charged by Swoofee is inclusive of the Stripe fee.

Will I get a VAT invoice for fees deducted?

Yes, you will. Within Swoofee there is a billing tab. Here you will see a monthly invoice for Swoofee fees charged and VAT applied where applicable. There is also monthly Stripe transaction report detailing Stripe fees and any VAT charged.


Can a customer authenticate payments to me using Swoofee?

Yes, Swoofee has built SCA authentication into its App. If authentication is required by your customers’ bank Swoofee will guide your customer through the process while making the payment

Why am I asked if card is present?

Payments made with saved cards when the customer is not present may qualify as merchant-initiated transactions. These payments technically fall outside the scope of SCA.

In practice, marking a payment as a “customer not present” will be similar to requesting an exemption. And like any other exemption, it will still be up to the bank to decide whether authentication is needed for the transaction.

What is Strong Customer authentication?

Beginning September 14, 2019, PSD2 regulation will require Strong Customer Authentication (SCA) for many online payments made by European customers, to help reduce fraud.

To ensure payments will not be declined, SCA requires customers authentication to use at least two of the following three elements


SOMETHING THE CUSTOMER HAS (e.g., phone or hardware token)

SOMETHING THE CUSTOMER IS (e.g., fingerprint or face recognition)

Payment methods such as Apple Pay or Google Pay already support payment flows with a built-in layer of authentication (biometric or password).

How do I know a customer has paid?

Click on the Payments Tab and it will display the reference amount and date of all payments. Success will appear next to a payment that has been successfully completed.

In addition, the customer will automatically receive a receipt on successful payment.

What is a pending payment?

When you create a payment request that is sent via email, SMS or WhatsApp, it will appear in the payments list as Pending until the customer has made the payment. When the payment is made the status will update from Pending to Paid.

What is the difference between payments and payouts?

Payments is a list off successful and pending payments that were activated by Swoofee.

Payouts is your Stripe dashboard which shows payments received and in your Stripe account. It details the Gross and the Net Payment (net after deduction of fees and VAT). It also displays the date of the transaction and the date the payments will be transferred to your business bank account.

  • In Transit—Indicates a payment received and in the credit/debit card processing stage.
  • Paid—Indicates that the payments have cleared the credit card processing stage and have now being paid to your business bank account.

Customer receipt

When a customer successfully makes a payment using their own device (mobile, tablet, computer) a receipt will automatically appear after the transaction.

Otherwise, go to Payments and click on the payment in the list for the particular customer. This will open the original receipt. Use the share button on the receipt to SMS, email or WhatsApp to send a copy of the receipt to the customer.

How do I issue a refund?

Click on the Payments tab. Go to the successful payment on the list that you wish to refund. Click on the icon at the left of the successful payment. Click on the refund icon and then confirm refund amount.