Tournament contests allow unlimited swaps but with 20% penalty on the remaining salary of the player dropped. When you swap a player you get their remaining salary back (less penalty). You can only swap for a player that you can afford with the refunded salary less the penalty.
When a player is set to "Available" status, you will receive the salary for that day's game back. Should you choose to swap that player you will only be deducted the 20% penalty on the remaining projected games for the week.
If a player is injured or in an inactive state, they can be swapped without paying the penalty fee of 20%. However, if the player has games remaining where they are projected (Day-to-Day injury) you will be penalized the 20% for any remaining projected games.
Also, any player with a status of Available or Pending with sub-statuses Questionable or Doubtful does not incur swap fees for the current day’s game and you will only be penalized the 20% fee for the remaining games in the week.