CardX Review: Fees, Complaints, Comparisons & Lawsuits

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Zero-Fee Structure

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 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 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 payment processing

CardX offers standard payment processing services

CardX Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

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.

CardX Lawsuits

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:

[email protected] – General Inquiries
[email protected] – Customer Support
[email protected] – Becoming a Sales Partner

This level of support meets our expectations for top-rated customer service processors.

CardX BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

Total Complaints
Resolved Complaints

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

Cost Summary

Qualified Debit Rate
1% + $0.25
Commercial Debit Rate
Early Termination Fee
PCI Compliance Fee
Equipment Rental

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 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 zero-fee pricing

CardX’s zero-fee processing pricing

CardX Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

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.

CardX Review Summary

Our Final Thoughts and Opinions

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.

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Customer & Employee Reviews

What Others Are Saying About CardX

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1 Responses

  • 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!


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We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to safeguard North American businesses from unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in annual losses of billions of dollars for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.

How We Score Processors

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following business practices:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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