About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry.



Phillip can help you find an ethical and honest processor that will offer you great rates.
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Permanent link to this article: http://www.cardpaymentoptions.com/credit-card-processors/xcharge/


  1. Abby

    I started with accelerated payments x-charge with being told they had an iPhone 5 compatible card reader. I received the reader and found out that it in fact was not compatible, so I contacted the sales rep and he told me it will be compatible when I purchace the 30 pin lightning adaptor. From the start my reader wouldn’t read cards correctly. I called with complaints numerous times, and would get the blame game. I asked if they could send me a new reader and was told I would have to purchase another one. I told them it never worked in the first place and the best they could do for me was offer me a 20% discount.

    I recently have been having to charge the majority of my transactions manually because my reader continues to not work. Being fed up, I called again. My phone call lasted over an hour and I got nowhere!! They said, after being on hold for at least 15-20 minutes that they could get me a new reader at 50% off. At this point I felt like this is going to be the best u can get with this poorly operated company! So I said I said I’d take it. Come to find out, I can only purchase the reader by submitting a fax with my cc info. Being a small business, I don’t have access to a fax machine. They told me this is the only way I can purchase it.

    From that point, I’m at my wits end and tell them I want to leave my contract with them. (Which I was never told I was agreeing to a 3 year contract in the first place when their representative helped me remotely on my computer). They put me through to a department that couldn’t help me and said I’ll receive a call within 48 hours. This has been the WORST CUSTOMER SERVICE EVER!!! I would have remained happy if they would have replaced my faulty reader in the first place. I wouldn’t recommend this company to my worst enemy.

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    1 / 1 found this review helpful.
  2. sonya zacker

    We are a small seasonal business and this is a rogue company which practices business nothing short of robbery. A problem on their back end caused over a month of payments to go unprocessed last summer. In our off season months when we were closed, they charged us various monthly fees anywhere from 70 to 160 a month in charges, amounting to 100′s of dollars when we weren’t even open. No one in customer service was responsive. By the time we were going to reopen, we wanted to quit doing business with them altogether after which they went in to our bank account and took out almost $2500.

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    2 / 2 found this review helpful.
  3. Jeanne Phares

    Very high priced fees, very difficult to work with, not very forthcoming with contract terms and penalties. Lousy experience.

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    2 / 2 found this review helpful.

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