ChargeToday Review

By Phillip Parker

I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices.

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ChargeToday Overview

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Rating

 4.8/5

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Rating:

 4.8/5

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UPDATE 12/24/2018: The ChargeToday website is currently inaccessible, and the most recent evidence that it was active dates from October 2016. It therefore seems likely that the company has rebranded or gone out of business. If you have any information about the current status of ChargeToday, please share it in the comment section below this review.

ChargeToday (chargetoday.com) is a merchant account provider headquartered in Daytona Beach, Florida. ChargeToday is a reseller of Cynergy Data contracts and appears to also be a sub-ISO of PowerPay. ChargeToday is a registered ISO/MSP of BMO Harris Bank, N.A., in Chicago, Illinois, and is located at 1500 Beville Road, Suite 606, Daytona Beach, Florida 32114. Glen Kaplan is listed as the founder and CEO of ChargeToday.

Key Points

Sales & Marketing: ChargeToday does not engage in misleading sales tactics and has not received complaints about its sales team.
Costs & Contract: ChargeToday appears to offer a standard contract through Cynergy Data with variable terms.
Complaints & Service: ChargeToday has not received any recent public complaints.
BBB Rating: ChargeToday maintains an “A+” rating with the Better Business Bureau and hasn’t received any complaints in the past three years.
Rates & Fees: How Merchants Got The Best Rates With ChargeToday

ChargeToday Rates, Fees, and Costs

Cost Summary

Swiped Rate	Variable
Keyed-in Rate	Variable
Early Termination Fee	$250
PCI Compliance Fee	Variable
Equipment Lease Terms	Variable

The standard ChargeToday contract (available below) is a three-year agreement with automatic one-year renewal and a $250 early termination fee. The application provides spaces for sales agents to list PCI Compliance fees, monthly minimum fees, and other fees, but these spaces are blank in the document we have located. We cannot find any complaints that mention specific ChargeToday contract terms at this time, so merchants are advised to carefully read their merchant agreements before signing. Given the information we are able to verify about ChargeToday’s contract and the lack of merchant complaints about the company’s rates and fees, we are assigning the company a “B” in this category. See the ChargeToday Merchant Agreement.

ChargeToday Complaints & Customer Reviews

Complaint Summary

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

We are currently able to locate only one ChargeToday complaint online, and this complaint does not accuse the company of being a ripoff or a scam. Filed more than five years ago, the negative review mentions unauthorized fees and poor customer service. Given its age, this complaint is not a major factor in the company’s score at this time. The company’s website lists dedicated phone support and email support contact information, although it is unclear at this time whether these lines of communication are serviced by ChargeToday or Cynergy Data. Overall, the company has a very low complaint rate and therefore scores well in this category.

ChargeToday BBB Rating Summary

BBB Summary

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

ChargeToday is an accredited business with the Better Business Bureau. As of this update, the company has an “A+” rating with the BBB and has had zero complaints filed against it in the last 36 months. It also has not received any negative informal reviews, although it should be noted that these reviews are not subject to verification by the BBB. It is our belief that “A+” ratings should be reserved for companies with clean complaint records, and we therefore agree with the BBB’s rating.

Truth In Marketing & Advertising

Key Points

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

ChargeToday partners with banks, associations, and independent sales agents to market its services. The use of independent sales agents is often linked to high complaint rates among merchants, but we are currently unable to locate any ChargeToday reviews that accuse the company’s sales agents of unethical behavior. In addition, ChargeToday does not appear to engage in any deceptive advertising strategies in its official materials. We will therefore award the company an “A” rating in this section.

Sales & Marketing Example

Our Opinion Of ChargeToday

ChargeToday rates as a reliable merchant services provider according to our rating system. The company has very few complaints online and appears to offer average contract terms through Cynergy Data. ChargeToday’s overall rating is subject to change once we have more complete information about its contract terms.

About Phillip Parker

Why I'm Qualified to Write About Credit Card Processing

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance.

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I offer merchant account and credit card processing consultation for the following needs:

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Reducing credit card processing fees with your current merchant account provider.
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