Can You Trust Charge.com with Your Payment Processing?

Charge.com is a merchant account provider that has been in business since 1995. The company was bought by Pipeline Data (a subsidiary of Cynergy Data) in 2005. Neither Pipeline Data or Cynergy Data are still operating: Pipeline went bankrupt and Cynergy was absorbed into Priority Payment Systems, so it is probable that Charge.com is now also part of Priority Payment Systems. The company resells Authorize.Net for its payment gateway services. Charge.com focuses primarily on supplying credit card processing services and equipment but can also provide e-commerce solutions for merchants who require them.

Payment Processing

(link unavailable) facilitates the processing of Visa, MasterCard, Amex, Discover, and checks, whether online, in-person, by phone, mail, or fax, for a variety of businesses. Their offerings include a free terminal or swiper, mobile solutions, a virtual terminal, e-commerce solutions like shopping carts, SEO services, online management and reporting, and SSL certification.

Virtual Terminals

(link unavailable) provides secure, web-based virtual terminals for businesses to accept payments online. This service is useful for businesses without a physical storefront or those primarily operating online.

E-commerce Payment Solutions

For online businesses, (link unavailable) offers e-commerce payment solutions, including a secure payment gateway that integrates with business websites for real-time transaction processing. These solutions enable businesses to accept payments globally.

Mobile Payment Processing

(link unavailable) offers mobile payment processing services, allowing businesses to accept card payments using mobile devices. This service is ideal for businesses operating outside traditional brick-and-mortar settings.

POS Systems

(link unavailable) provides Point of Sale (POS) systems designed to streamline business operations. These systems manage sales transactions, track inventory, and store customer information, offering a comprehensive business management tool. For details on specific POS systems, contacting the company directly is recommended.

Recurring Billing and Subscription Management

(link unavailable) supports businesses with subscription models or recurring billing needs by offering solutions that automate the billing process. This service allows businesses to collect regular payments for ongoing services or subscriptions without manual intervention.

ACH Processing

(link unavailable) provides ACH processing services for businesses to accept electronic payments directly from bank accounts. This fast, secure, and reliable service is ideal for businesses handling recurring payments or large payment volumes.

Chargeback Prevention

(link unavailable) offers chargeback prevention services to help businesses minimize the risk of chargebacks, which can lead to lost revenue and increased fees. These proactive services aim to resolve disputes quickly and efficiently.

Moderate Complaint Total

Charge.com has received a relatively low number of negative reviews considering its size and duration in the industry. However, it’s worth noting that its former parent company, Pipeline Data, and processor, Cynergy Data, accumulated significant complaint counts. While Charge.com has a consistent pattern of public complaints filed on Ripoff Report, it’s possible that a few of these reviews are against unrelated businesses with “-charge.com” in their names. Most complaints highlight unexpected and hidden fees, lack of disclosure regarding PCI Compliance fees, high cancellation fees, and unauthorized debits from business checking accounts. If you have your own review of Charge.com, feel free to share it in the comments below.

Charge.com Customer Support Options

Recent observations suggest a slowdown in the company’s complaint volume, which may indicate improved policies and customer service, or potentially a change in business operations such as a Doing Business As (DBA) name. Charge.com offers 24/7 phone support to its clients. However, this support channel alone is not sufficient to qualify it as a top-rated payment processor for customer service.