AdvoCharge Overview

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7/4/2019 Note: Google Maps lists this business as being permanently closed. However, the company’s website and BBB profile are still operational. Merchants with any information into the present status of AdvoCharge’s operations can leave a comment clarifying whether or not the company is still in business.

Partnered With the Boulder Chamber of Commerce

AdvoCharge is a merchant account provider headquartered in Boulder, Colorado. The company serves U.S. and Canadian merchants and is partnered with a number of organizations in Boulder and across the country. AdvoCharge offers a 10% discount to members of the Boulder Chamber of Commerce.

AdvoCharge Ownership

Founded in 2009, AdvoCharge is aligned with multiple payment processors and does not list any one acquiring bank on its website. The company primarily resells CardConnect hardware and software. Mark Tracy is listed as the CEO and co-founder of AdvoCharge who are headquartered at 1048 Pearl St., Suite H, Boulder, CO.

AdvoCharge Review Table of Contents

  • Costs & Contract: AdvoCharge offers a month-to-month contract with no early termination fee.
  • Complaints & Service: AdvoCharge has received fewer than 10 public complaints.
  • BBB Rating: AdvoCharge has an “A+” rating with the Better Business Bureau and has received 0 complaints in the past three years.
  • Sales & Marketing: AdvoCharge does not hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With AdvoCharge

AdvoCharge Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your AdvoCharge merchant account statement. Not with AdvoCharge? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!

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Products & Services Offered

  • Debit and credit card processing
  • Credit card terminals
  • POS equipment
  • QuickBooks integration
  • Virtual terminal
  • PCI compliance

Types of Businesses Served

  • Retail
  • MOTO
  • E-commerce
  • CBD
  • Hemp

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AdvoCharge Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Early Termination Fee None
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Month-to-Month Contract

As noted above, AdvoCharge exclusively promotes cash discount and interchange-plus pricing, which are the most transparent and cheapest per-transaction rates available. The company’s website advertises no cancellation fee, no setup fee, and no annual fee. It also advertises that its agents have a $0.00 buy rate for PCI compliance, meaning that merchants should be able to negotiate their PCI compliance fees down to zero. These are very competitive contract terms, and we are unable to locate any AdvoCharge reviews that contradict the company’s advertised figures.

CardConnect’s Involvement

One potential area for concern is AdvoCharge’s partnership with CardConnect, a “C” rated provider that resells First Data‘s line of Clover POS products. AdvoCharge is clear that it does not enforce any long-term contracts or punitive termination fees, but the company’s contract through CardConnect (available below) includes the following passage:

In the event that Client terminates this Agreement within five (5) years from the date of approval by CardConnect and Wells Fargo Bank, N.A., or this Agreement is terminated by CardConnect within 5 years from the date of approval, due to an Event of Default, Client will be charged a fee of $750.00 for such early termination. Client’s obligation with respect to the Monthly Minimum Processing Fee will end simultaneously with CardConnect’s receipt of Termination Fee.

This five-year term with a $750 termination fee clearly contradicts AdvoCharge’s displayed pricing. AdvoCharge has been consistent about its month-to-month contracts for every year that we have reviewed it, so it is likely that this language is usually modified in the company’s official paperwork. Even so, merchants should be sure to demand that this clause is either edited or eliminated from their contract before signing up.

Highly Competitive Pricing

There appear to be numerous positive testimonials in the comment section of this review and elsewhere online, indicating that most AdvoCharge clients are pleased with the terms of their contracts. We therefore award the company an “A” in this category, with the caution that additional terms imposed by CardConnect may not be as friendly. We also do not consider AdvoCharge to be among the absolute cheapest merchant accounts at this time. See the AdvoCharge/CardConnect Program Guide.

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Response from AdvoCharge

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AdvoCharge Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Clean Complaint Record

As of this review, we are unable to locate any complaints about AdvoCharge that accuse the company of being a scam or a ripoff. In fact, nearly all publicly available AdvoCharge reviews praise the company’s customer service and cite its agents’ availability as a major perk. Most of these positive reviews were verified to have been written by actual business owners. This is a highly impressive complaint record for a company that has been in business for a decade.

AdvoCharge Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against AdvoCharge. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

AdvoCharge Customer Service Options

One drawback of AdvoCharge’s service is that it requires merchants to use email as the first form of customer service contact, but the company is willing to place calls at later stages of service if required. This practice has not generated any complaints as of this review, but it has prevented the company from being ranked as a top merchant account provider for customer service.

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Response from AdvoCharge

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AdvoCharge BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

AdvoCharge is not an accredited business with the Better Business Bureau. As of this review, the company has an  “A+” rating with the BBB and has had 0 complaints filed against it in the last 36 months. AdvoCharge is also not showing any informal reviews on its BBB profile, although it should be noted that customer reviews through the BBB are not subject to verification.

An “A” Performance Overall

In light of AdvoCharge’s clean complaint record through the BBB, we award the company an “A” in this section. Merchants should still be aware that there is reason to be skeptical of the BBB’s rating system.

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Response from AdvoCharge

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

In-House Sales Team

AdvoCharge appears to market its services through a combination of its website and partnerships with a network of clients. The company’s website actively promotes cash discount pricing and interchange-plus pricing, both of which are cheaper and more transparent than industry-standard tiered pricing. Moreover, we have not found any AdvoCharge complaints that describe unethical conduct by the company’s sales agents.

No Deceptive Rate Quotes

As its name indicates, AdvoCharge markets itself as an advocate for transparent sales tactics in the credit card processing industry. The total absence of online complaints about the company’s sales team seems to suggest that it takes this claim seriously, and its website even has a section dedicated to educating business owners about the merchant services industry. If you still suspect that AdvoCharge is charging you hidden fees, we recommend seeking a third-party statement audit to eliminate unnecessary charges.

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Response from AdvoCharge

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AdvoCharge Marketing Example

AdvoCharge Logo

Our Opinion of AdvoCharge

A Great Option for Most Standard-Risk Businesses

By all available indicators, AdvoCharge rates as an exemplary merchant services provider. The company appears to place a premium on transparent sales tactics and pricing, and multiple online reviews praise its customer service. The only merchants that might not be served well by AdvoCharge are businesses operating in high risk industries, but the company advertises that it does serve CBD and hemp businesses. Even when dealing with highly rated credit card processors, merchants are advised to carefully examine the terms of any contract they are given.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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11 Reviews Leave Your Review for AdvoCharge Below

  1. Betty Artes says:

    As a restaurant owner for the past 19 years I have gone through several credit card processors without much satisfaction and much frustration. For the past year I have been processing with Advocharge and am totally satisfied. Their transparency is refreshing, the fees are manageable and as quoted and they are available to answer questions. They understand the merchants perspective and are very sensitive to that. I have recommended Advocharge to other businesses and will continue to do so.

    1. Phillip Parker says:

      Hi Betty,

      In order to ensure that testimonials are authentic we ask that you reply to this comment with your business name, location, and/or website URL. Thanks!

      1. My business is Casa Alvarez Restaurant in Boulder Colorado. Our web site can be accessed through or .

  2. Stacey says:

    We have been extremely happy with Advocharge. Our processing costs are less, which helps us as a small business, and the customer service we receive is second to none. I confidently decline offers from the other companies that call weekly, promising lower rates. I highly recommend Advocharge.

    Stacey Melis
    Pro-Active Chiropractic

  3. Cheryl Sussman says:

    Since we switched to AdvoCharge, credit card processing has been painless. If we have any questions or needs they are taken care of quickly and professionally; it’s SO much better to have a local representative!

    1. Phillip Parker says:

      Hi Cheryl,

      Please reply to this comment with your business name and location in order to authenticate your testimonial.

      1. Eight Days a Week Imaging and Copy Center
        840 Pearl St., Boulder, CO 80302

  4. Making the jump to take Credit Card for our small growing business was scary . Advo Charge made it easy and has help with all of our needs as we grow. We had compared rates and we have the best deal by far !! We have converted many other business to Advo Charge once we tell them about the personal service and rates ! Thank you Advo Charge for all you do for us !!!

  5. Rick says:

    We switched our business over to Advocharge in February. We’d been with our prior processor for over 5 years. During those 5 years we were repeatedly contacted by merchant processors who told us how much money they’d save us, but when we dug deep, we weren’t comfortable with something about the way they did business. Either we didn’t believe their rate structure was real, or their customer service was problematic, or they had a lot of complaints. It took a lot for us to switch.

    And I’m glad we did. Our overall effective rate including all fees dropped by an average of 20-30%, which is saving us hundreds of dollars each month. The customer service has been superb and the processing has been flawless. We actually see our charges deposited a day faster than our prior processor, and the online reporting tools are excellent as well.

    I would highly recommend these guys. We literally have zero complaints and are very glad we made the switch.

    1. Phillip Parker says:

      Hi Rick,

      In order to authenticate your testimonial, please reply to this comment with your business name and location. Thanks!

      1. Rick Mathes says:

        Hi, we run The Egoscue Clinic of Austin, in Austin, TX.


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