Charge Anywhere Review


Charge Anywhere ( is a payment processing software provider that specializes in mobile and e-commerce payment solutions. It’s important to understand that the company only supplies an online payment gateway and a smartphone app that makes accepting mobile payments possible on Android, iPhone, and some Blackberry devices. The company does not actually process payments or supply a merchant account. Merchants who wish to use Charge Anywhere’s products will need to establish a separate merchant account with an actual processor. The company’s software is compatible with virtually every major credit card processor and merchants can select a provider of their choice. Charge Anywhere, LLC. was established in 2004 and is based in South Plainfield, New Jersey. Paul Sabella is listed as the president and CEO of Charge Anywhere.

In September 2014, Charge Anywhere identified malware on its internal network that may have compromised cardholder information between November 5, 2009, and September 14, 2014. The company provided a searchable list of merchants who may have been affected by the incident and has since shut down the attack. A full statement from the company regarding this incident is available here.

Key Points

  • Sales & Marketing: Charge Anywhere does not appear to hire independent sales representatives and has not received any merchant complaints about its sales practices.
  • Costs & Contract: Charge Anywhere charges a monthly gateway fee of $9.99 and no cancellation fee.
  • Complaints & Service: Charge Anywhere has received fewer than 10 public complaints.
  • BBB Rating: The Better Business Bureau does not maintain a profile for Charge Anywhere at this time.
  • Rates & Fees: How Merchants Got The Best Rates With Charge Anywhere

Charge Anywhere Products and Services

  • Debit and credit card processing
  • Mobile phone processing
  • White-label integration for custom apps
  • QuickBooks integration
  • Online payment gateway and virtual terminal
  • Cloud-based and traditional POS equipment


  • Retail
  • Mobile
  • E-commerce
  • MOTO

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Sales & Marketing

Key Points - Sales & Marketing

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

Charge Anywhere does not utilize any deceptive marketing or price quoting tactics that are immediately apparent. The company appears to rely primarily on advertising and partnerships to market its service. Since the company does not set any credit card processing rates or fees of its own, it is highly unlikely that merchants will encounter misleading rate quotes or hidden contract terms through Charge Anywhere.

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Charge Anywhere Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Charge Anywhere assesses only one required fee of $9.99 per month as the gateway fee for using the app. Other than that, the only other costs come in the form of optional card swiping hardware. The card readers range from $49 for simple readers to $249 for readers that include receipt printers.

Aside from the monthly service fee and hardware costs, the app has no service length commitment and no cancellation fees or other hidden fees. Keep in mind that your processor will have its own set of fees that are separate from Charge Anywhere’s and may have other important contract terms that you need to understand. Be sure to check out “Fee Sweep” to keep from getting scammed by a dubious processor or sales agent.

Response from Charge Anywhere

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Complaints & Service

Key Points - Complaints & Service

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

We have located only a few negative Charge Anywhere reviews. The one complaint filed on Ripoff Report does not seem to apply to Charge Anywhere’s service, and the three complaints beneath this review mostly refer to poor customer service, product malfunctions, and fund holds. Overall, these appear to be isolated incidents. The company supplies a dedicated toll-free customer support line (800-404-2014), email support, and live chat support to all of its merchants.

Response from Charge Anywhere

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The Better Business Bureau does not have a report for Charge Anywhere as of this review. The company’s BBB report will therefore not be factored into the company’s overall rating.

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Charge Anywhere Logo

Charge Anywhere Bottom Line

Charge Anywhere appears to be a reliable processing application for smartphones. Unlike Square, GoPayment, and Pay Anywhere, Charge Anywhere offers a wide range of flexibility when it come to processing hardware and merchant account provider choices. Because of this, merchants can better customize Charge Anywhere to suit their businesses processing needs over many of its competitors. Merchants will just need to be careful when selecting processors since they will have their own sets of fees and agreements.

As of this review, the Charge Anywhere app is compatible with all iPhones/iPads, all Android Devices, Blackberry 4.1 or higher, Windows Mobile 5.0 or higher, most versions of J2ME/Java phones and any web-enabled phone with a browser.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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3 Reviews Leave Your Review Below

  1. I can’t believe that there are no complaints filed for Charge Anywhere. We have had nothing but problems since installing the software. We were using Intuit as we have QuickBooks but, we signed with a new merchant service provider and they sold us on Charge Anywhere. We have issues with duplicate payments as the Payment Application does not populate QB’s and it looks like the payment didn’t go through so we run the card again. The software will not allow us to process multiple invoices and/or email receipts. Charge Anywhere actually said that there is a fix to the duplicate payment problem that we should have asked for when we signed up with our merchant service provider. I don’t know how we would have known about the, “fix,” when we hadn’t experienced the issue until we switched to Charge Anywhere. They also indicated that our firewall might be responsible for the problem and my reply was that doesn’t every business have a firewall? Also, the only variable that changed was Charge Anywhere, we have the same firewall, internet provider and system. The problem is that we are charged processing fees by merchant services for refunding our client for the duplicate payment. Charge Anywhere refuses to accept any responsibility in their software failing and, of course, Merchant Services blames Charge Anywhere. Oh, and the agent I spoke with also indicated that processing payments remotely might be causing the software to fail which is confusing as one of the selling points for the software is mobile payment functionality. I don’t know where blaming the client and every variable but your product is good customer service.

  2. My name is Jennifer Dhillon and I work for a dumpster company. Let me just start of by saying this company is hands down one of the worst credit card processors I have ever worked with. When I first had a meeting with their agent I was most concerned with any risk hold policies their company might have, and their chargeback customer service. They assured me they dont have any risk holds and with their portal it would be very hard for customers who we can document proof to chargeback. 1- They put more than a $70,000 hold on the funds charged without any notice. 2-No one sent us a single chargeback notification and when I called their “chargeback specialist” she had no idea what she was talking about or even how to answer the simplest questions.
    Before signing with them I asked about all their horrible reviews and they assured me it was their competition. So I am here to tell you my name is Jennifer, you can reach me at [REDACTED – personal contact information] and I was a client of Chargeanywhere and I want to save others the trouble of dealing with such a mess of a company.

  3. Apparently due to the recent hurricane I was not able to connect to Charge Anywhere processor on Nov 3, 2012 and Nov 4, 2012. I have a business to run so swiped my transactions in offline mode. When there system was back up and running I uploaded all my transactions and batched them out. Charge Anywhere says they never received the majority of these transactions and refuses to pay me. They say to go back into my machine and retrieve the transactions and re-batch them. Well, there are no transactions in my machine becasue they were already uploaded and batched and I have copies of all these. They tell me I am out of luck. Has anyone else had this problem? I certainly cannot be the only merchant in the world who is having this problem with Charge Anywhere. Please help!

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