Charge.com is a merchant account provider based in Plantation, Florida, that has been in business since 1995. The company was bought by Pipeline Data (a subsidiary of Cynergy Data) in 2005 and resells Authorize.net for its payment gateway services. Charge.com focuses primarily on supplying on credit card processing services and equipment but can also provide e-commerce solutions for merchants who require them. The company is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, California. Greg Danzig is listed as the president of Charge.com.

Key Points

  • Sales & Marketing: Charge.com appears to hire independent sales representatives and has received some complaints about its sales team.
  • Costs & Contract: Charge.com appears to offer a three-year contract with a $495 early termination fee.
  • Complaints & Service: Charge.com has received more than 40 public complaints.
  • BBB Rating: Charge.com has an “A+” rating with the Better Business Bureau and has received three complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Charge.com

Charge.com Products and Services


  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • Restaurant
  • Professional service

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Sales & Marketing

Key Points - Sales & Marketing

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

Charge.com’s marketing strategy appears to rely heavily on independent sales agents, online marketing, and referrals from its parent company and affiliates. Charge.com has received a low score in this section because the company promotes highly misleading pricing on its website.

For instance, the company advertises rates “as low as 0.25%” on its homepage and a transaction fee “as low as $0.15” on its pricing page. Charge.com promotes these rates in a way that fails to disclose the Downgrade Fees for Mid-Qualified and Non-Qualified transactions. Additionally, the website quotes reviews from companies like Apple, NBC Internet, America Online, and Yahoo!, but it doesn’t provide links to these sources or explain why these companies would be reviewing Charge.com. In general, Charge.com appears to rely heavily on selective disclosure and vague testimonials to build trust with merchants.

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Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $495
PCI Compliance Fee $185-$300 Per Year
Equipment Lease Terms Variable

Charge.com’s pricing appears to vary from merchant to merchant based on business type and processing volume. As mentioned in the previous section of this review, the company promotes deceptive price quotes that could easily confuse merchants. A copy of the company’s standard contract terms (available below) includes a 36-month service agreement with an Early Termination Fee (ETF) of $495, a monthly statement fee of $25 (applied only in the event that Charge.com creates a reserve account for the merchant), a one-time fee of $35 if the merchant’s keyed-in transactions constitute more than 15% of its overall transactions in any given month, and a monthly fee of $25 for governmental compliance. The company also charges an annual PCI Compliance fee of up to $185 (but not in excess of $300), which is much higher than the industry average. See the Charge.com Terms and Conditions.

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Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 40+
Live Customer Support Yes
Most Common Complaint Hidden Fees

Charge.com has a moderate amount of complaints filed online for a provider of its size and time in business; however, it should be noted that its former parent company (Pipeline Data) and its processor (Cynergy Data) have very high complaint counts. Charge.com seems to have a consistent pattern of public complaints filed on Ripoff Report, although a handful of these complaints may be filed against other businesses with “-charge.com” in their names. The majority of the complaints report unexpected and hidden fees, nondisclosure of the PCI Compliance fee, high cancellation fees, and unauthorized debits from merchants’ checking accounts. As of this update, the company’s complaint volume appears to have slowed from previous years, which may be an indication of improved policies and customer service. It could also be a sign that the Charge.com’s business has slowed, or that the company is making use of a DBA.

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Key Points - BBB

Product & Service Complaints 1
Billing & Collection Complaints 2
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

As of this update, the Better Business Bureau is reporting that Charge.com is not BBB accredited. The report shows an “A+” rating for the company with only three complaints filed in the last 36 months. Of the total, two are related to billing and collection and one has to do with a product or service issue. All complaints either were resolved to the dissatisfaction of the merchant or did not receive a final assessment from the merchant. In light of the company’s complaint total and resolution ratio, we agree with the BBB’s rating.

Response from Charge.com

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Charge.com Logo

Charge.com Bottom Line

Charge.com has been in the merchant services industry for more than 20 years; however, the company is suffering from the typical complaints found with less reputable credit card processing companies. Additionally, Charge.com’s parent company and processor score poorly and suffer numerous complaints from merchants. The company can improve its rating by fully disclosing all fees and contract terms of its own services (as well as the ones it resells to merchants) and by preventing future complaints regarding deceptive sales tactics.

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.

Schedule a Consultation with Phillip

8 Reviews Leave Your Review for Charge.com Below

  1. Charge.com is an amazing company. I got set up the same day I applied and they are saving me 40% off of what I was paying with another company. I would not hesitate to recommend.

    1. Hi Jason,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  2. worst experience ever. Got charged so many fees that im doubling my fees with my own bank with stop payments. They advertise one thing, but they neglect to tell you that their several departments have their own billing processes. We’re warned about scam artist? These crooks are those very ones we were warned about. If you havent signed up with them, do a full research first .

  3. I sent them an email asking if they could beat the rates I am paying now. They were higher than what I am paying, and twice what I found another reputable vendor quoted.

    They sent me an email asking why I didn’t choose them, and so I told them about their rates compared to others. Then they sent an insulting email back in response.

    If they will treat me like crap before I am even a customer, I can’t imagine how they would treat me after I signed up.

  4. this company does a bait and switch i was told no contract no canclation fees monthy fees of 10 bucks . this is what i was charge 30 a month for non use 3 precent with fee no statements no one to talk to at charge.com . dont trust them crooks

  5. It has been a very difficult dealing with this company. Very very poor service and poor business practices! I feel taken advantage of and ripped OFF!

  6. Do not use these switch and bait they get access to your account and hit you for fees in the first month and don’t pay you… THEY DO NOT PAY MERCHANTS STAY AWAY FROM THEM.

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