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Swype
Internal knowledge base for Swype operations, covering card issuance, activation, KYC, digital wallets, balance sync, transaction declines, refunds, disputes, fraud checks, and support workflows.
I'm a Business Partner
- Complete fee schedule (Card Program Terms)
- The 95% balance policy: what to script for support
- No 100% acceptance guarantee — what to tell end users
- How OTP delivery works for your end users
- 3D Secure: what it covers and what it locks in on disputes
- Two clocks, one card: the expiration math your program needs to know
- What decides which BIN you actually get?
- Before you issue a single card, we need to know who you are
- Two layers, one card: where Swype's compliance ends and yours begins
- The countries we can't touch — and why?
- Our KYC bar is low — here's what that means for you as a partner
- Why there's no physical card (yet)
- Every funding event needs a new card number
- Apple Pay & Google Pay: what's actually guaranteed
- Restricted Merchant Category Codes (MCCs)
I'm a Cardholder
- The fine print on fees
- Booking a hotel or flight? Your card might hesitate
- That extra login step? It's protecting you — and it's final (3DS)
- Your phone is your card now
- Spend it, don't expect to add to it
- How much does Swype actually need to know about you?
- Some places, Swype just can't go
- I got refunded... so why is my balance still wrong?
- Virtual, instant, yours right now
- Your OTP comes by email, not text
- Some purchases just won't go through — here's why... Restricted merchants
- That 5% gap that's blocking your purchase