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Founded in 2013, CardX 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. In late 2021, Stax Payments acquired CardX but continues to run the company under the CardX brand.
CardX Payment Processing
CardX processes all major debit and credit cards for most business types, including government and education. Their services include EMV card readers and swipers, access to virtual terminals, and access to a payment gateway.
CardX Location & Ownership
CardX Review Table of Contents
- Costs & Contract: CardX offers zero-fee processing with free software and affordable hardware rental.
- Complaints & Service: CardX complaints number fewer than 10 on public complaints forums.
- BBB Rating: CardX currently has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
- Sales & Marketing: CardX does not hire independent sales agents and has not received any complaints about its sales practices.
CardX Customer Complaints & Reviews
Here's What Users Think
Total Online Complaints
Live Customer Support
Most Common Complaint
No Public Complaints
We are currently unable to locate any CardX reviews 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. If you have your own CardX review to make, please do so in the comments below.
We have not found any outstanding class-action lawsuits or FTC complaints filed against CardX. However, CardX has been involved in multiple legal proceedings where the company supported its ability to utilize the surcharges that allow it to do “zero-fee” processing. 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 Service Options
The CardX website provides customer support phone and email contact information.
We have located a single CardX customer service number:
(877) 885-2097 – Toll-Free General Customer Service
CardX also offers a customer service form on its website. CardX offers email support at the following addresses:
This level of support meets our expectations for top-rated customer service processors.
CardX BBB Rating and Report
Our Better Business Bureau Profile Assessment
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.
CardX Fees and Rates
A Closer Look at the Contract
Qualified Debit Rate
1% + $0.25
Commercial Debit Rate
Early Termination Fee
PCI Compliance Fee
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 CardX 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.
We also encourage merchants to check out our list of the providers of the best merchant accounts.
CardX Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms
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 reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list of best credit card processors.
No Misleading Quotes
CardX does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that you are being charged undisclosed CardX fees, we recommend seeking a third-party statement audit to eliminate hidden charges.