CardXB76
Merchant Account (ISO) · US businesses with a large share of credit card sales and customers who will accept a card fee, such as con…
Overview
CardX does one thing and does it cleanly: it lets a US business pass the cost of credit card acceptance to the customers who choose to pay by credit card, and it handles the card-brand paperwork, disclosures and receipts that make surcharging legal. The pricing is published and easy to model, there is no long contract and no cancellation fee, and funding is next business day. It is not free, though. You still pay at least $99 a month, 1.25% + $0.25 on every debit sale, and the processing fee on refunded and charged-back sales. Your customers pay 3% more whenever they use a credit card, which some will notice. The grade stays at B because public evidence on service quality is thin, CardX's terms put legal responsibility for compliance back on you despite the 'automated compliance' marketing, and state surcharge rules are still changing.
Best for: US businesses with a large share of credit card sales and customers who will accept a card fee, such as contractors, professional services, B2B suppliers and schools or government offices, that want surcharging handled end to end rather than set up themselves.
Strengths
- + Pricing is published: 3% paid by the customer on credit, 1.25% + $0.25 on debit, and a subscription from $99 a month
- + No long-term contract and no cancellation fee; either side can leave on 30 days' notice
- + Handles the mechanics of compliant surcharging, including card-brand registration, debit detection, disclosure and itemised receipts
- + Next-business-day funding, with invoicing, payment links, recurring billing and a virtual terminal included in the subscription
- + A+ BBB rating with no complaints in the past three years
- + A long record in surcharging, including a 2021 federal court ruling that Kansas's surcharge ban was unconstitutional as applied to CardX
Trade-offs
- – Your customers pay 3% more on every credit card sale, which some will resent or avoid
- – The terms leave you with 'sole responsibility and liability' for complying with surcharge laws
- – Not available in Connecticut or Massachusetts; Maine's statute text bars seller surcharges and CardX's Maine terms are unpublished; New York and Colorado add conditions
- – You still pay the $99+ subscription, all debit fees, and the processing fee on refunded and charged-back sales
- – Almost no public customer reviews, so service quality is hard to judge
- – Chargeback, PCI and statement fees are not published and sit in a separate processor agreement
Fees in detail
- Online rate: 0% on credit (customer pays 3%)
- Contract: No fixed term; 30 days' notice
Standard published rate for a domestic online card payment. Confirm current pricing on CardX's pricing page.
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