CardX Overview

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Zero-Fee Payment Processing

Founded in 2013, CardX (cardx.com) is a merchant account provider that serves business, government, and education sectors. The company exclusively promotes its zero fee (surcharge) pricing model as a way for merchants and institutions to pay nearly zero net fees for payment processing.

CardX Location and Ownership

CardX is headquartered at 401 N Michigan Ave #1610, Chicago, Illinois 60611, and does not list its acquiring bank. Jonathan Razi is the CEO of CardX.

CardX Review Table of Contents

  • Costs & Contract: CardX offers zero fee processing with free software and affordable hardware rental.
  • Complaints & Service: CardX has received fewer than 10 public complaints.
  • BBB Rating: CardX currently has an “A+” rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Sales & Marketing: CardX 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 CardX

CardX Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your CardX merchant account statement. Not with CardX? 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

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO
  • Government

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CardX Rates, Fees, and Costs

Key Points

Qualified Debit Rate 1% + $0.25
Commercial Debit Rate 3.38%
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Rental $35/mo

CardX Pricing

CardX’s pricing plan charges a merchant’s customers a surcharge on all credit card transactions to offset the merchant’s payment processing costs. As a result, it has the potential to result in nearly free credit card processing. The drawback is that customers may resent having credit card processing fees added to their purchases. CardX is not legally allowed to add surcharges to debit cards, so merchants will pay 1% plus $0.25 on qualified swiped debit transactions and 3.38% on commercial debit card transactions. CardX also charges a $35 monthly rental fee for a countertop card reader, which can be returned at any time.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without knowing CardX’s standard contract length or any early termination fees the company may charge. CardX’s contract terms are likely competitive with the cheapest merchant accounts.

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Response from CardX

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CardX Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

No Public Complaints

We are currently unable to locate any CardX complaints that accuse the company of being a ripoff or a scam. This indicates that CardX employs a proactive and available customer support team, or that the company still serves a relatively small merchant base.

CardX Lawsuits

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

CardX Customer Support Options

The CardX website provides customer support phone and email contact information. This level of support meets our expectations for top-rated customer service processors.

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Response from CardX

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CardX 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

Clean Complaint Record

CardX has an “A+” rating with the Better Business Bureau and is not BBB accredited. The company has not received any complaints in the past three years. It also has not received any informal reviews.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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Response from CardX

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Truth In Marketing & Advertising

Key Points

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

Inside Sales Team

CardX appears to rely on an in-house staff to market its services. There is no evidence at this time indicating that the company employs independent sales agents, and we are unable to locate any CardX complaints that report unethical behavior by the company’s sales staff.

No Misleading Quotes

CardX does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that CardX is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

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Response from CardX

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CardX Logo

Our Opinion of CardX

A Reliable Option for Some Merchants

According to all available information, CardX rates as a dependable merchant services provider. The company’s pricing model isn’t available in all states or perfect for every merchant, but its clean complaint record is a very positive sign. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

We rely on your feedback about CardX to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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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