How will I know you are not cheating me with the settlements?

On a daily basis, you will receive a settlement report showing all the transactions processed via Swiftpay, which you can then compare to all the transactions recorded in your store. Apart from that, please note that the services offered by SwiftPay are regulated by the Bangko Sentral ng Pilipinas. We are an official payment systems operator (OPS) under Republic Act No. 11127, or National Payment Systems Act (NPSA).