In this review of CardX, we will provide a detailed overview of the company’s credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company’s pricing structure, contract terms, and specific services provided. By the end of this review, you will have a clear understanding of whether CardX meets your payment processing needs.
About CardX
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 processes all major debit and credit cards for most business types, including government and education.
EMV Card Readers and Swipers
EMV card readers and swipers are tools for businesses that process in-person payments. These devices allow merchants to securely accept credit and debit cards by reading the chip embedded in EMV cards, which offers greater protection against fraud compared to traditional magnetic stripe cards.
Virtual Terminals
Virtual terminals provide a flexible solution for businesses that need to process payments without physical interaction with a customer’s card. These online platforms allow businesses to accept credit and debit card payments over the phone, through email, or via online forms.
Payment Gateway
A payment gateway is an element in the online payment processing ecosystem. It serves as the secure bridge between a customer’s payment method and the merchant’s bank account, ensuring that transactions are processed quickly and securely. Payment gateways handle the authorization, processing, and settlement of online payments, making them indispensable for e-commerce businesses.
CardX offers standard payment processing services
CardX Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
Total Online Complaints
<10
Live Customer Support
Yes
Most Common Complaint
N/A
No Public Complaints
We are currently unable to locate any CardX reviews that accuse the company of being a ripoff or a scam. This suggests that CardX may have an efficient and responsive customer support team, or it could imply that the company’s merchant base is still growing. If you have a CardX review or feedback, whether positive or negative, please share your experience in the comments below to assist other consumers.
CardX Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against CardX. Nevertheless, CardX has participated in legal proceedings and court cases defending its model of surcharges for “zero-fee” processing. Merchants who have issues with CardX and prefer a non-litigious resolution are advised to report their concerns to the appropriate supervisory organizations.
CardX Customer Service Options
The CardX website offers various customer support options, including phone and email. Below are the key contact details:
CardX Online Ratings
Here's How They Rate Online
Online Ratings Summary
Total Complaints
0
Resolved 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.
CardX Fees, Rates & Costs
A Closer Look at The Contract
Rates & Fees Summary
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 offers a pricing model that passes credit card transaction costs onto the merchant’s customers as a surcharge, effectively minimizing the merchant’s processing fees. However, this approach might not be well-received by all customers, as it introduces additional charges to their credit card purchases. Legally, CardX cannot apply surcharges to debit card transactions. For these, merchants incur fees of 1% plus $0.25 for qualified swiped debit transactions and 3.38% for commercial debit card transactions. Additionally, CardX imposes a monthly rental fee of $35 for a countertop card reader, which merchants have the option to return anytime.
No Red Flags
There are no known complaints regarding CardX’s contract terms, leading to an “A” rating in this regard. However, this evaluation is made without detailed knowledge of the company’s standard contract duration or any potential early termination fees. CardX’s contract terms are anticipated to be in line with those of the most competitive merchant accounts available.
Merchants seeking advantageous services are advised to explore our curated list of the best merchant accounts.
CardX’s zero-fee processing pricing
CardX Employee Reviews & Sales Tacitcs
Should You Work For Them?
Jobs & Marketing Summary
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 reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list ofbest 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.
Our CardX Review Summary
Our Final Thoughts
From all available data, CardX ranks as a trustworthy merchant services provider. While its pricing model may not be universally available across all states or ideally suited for every merchant, the company’s spotless complaint record speaks volumes about its dedication to customer satisfaction. Even with highly rated companies like CardX, it’s essential for merchants to carefully scrutinize the terms of any contract before signing. Comparing the pricing and conditions with those offered by other top-rated merchant account providers will help ensure merchants find the best match for their business needs. Staying vigilant during the selection process enables merchants to make more informed decisions, securing optimal terms that align with their specific requirements.
CardX has been an absolute game-changer for my business! Their seamless payment processing solution has made transactions a breeze, both for me and my customers. I can’t believe how easy it is to set up, and the cost savings are fantastic. With CardX, I no longer have to worry about pesky hidden fees eating into my profits.
The best part? My customers love it too! They appreciate the convenience and security of making payments without any unnecessary hassle. The user-friendly interface has received rave reviews from them, and I’ve noticed a significant increase in repeat business since implementing CardX.
I can confidently say that CardX has exceeded all my expectations. Their top-notch customer support has also been a pleasant surprise—always responsive and ready to assist. Thank you, CardX, for revolutionizing the way I do business and enhancing my customers’ experience!
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Sawyer Grace
CardX has been an absolute game-changer for my business! Their seamless payment processing solution has made transactions a breeze, both for me and my customers. I can’t believe how easy it is to set up, and the cost savings are fantastic. With CardX, I no longer have to worry about pesky hidden fees eating into my profits.
The best part? My customers love it too! They appreciate the convenience and security of making payments without any unnecessary hassle. The user-friendly interface has received rave reviews from them, and I’ve noticed a significant increase in repeat business since implementing CardX.
I can confidently say that CardX has exceeded all my expectations. Their top-notch customer support has also been a pleasant surprise—always responsive and ready to assist. Thank you, CardX, for revolutionizing the way I do business and enhancing my customers’ experience!