ChargeToday Review


Credit Card Processors
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Category Breakdown
Sales & Marketing rated A plus
Costs & Contract rated B
Complaints & Service rated A
BBB Rating rated A

Overall Rating

"A" Credit Card Processor Rating


ChargeToday ( 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.

ChargeToday Products and Services Industries Served
  • Debit and credit card processing
  • POS equipment
  • Online payment gateway
  • ATM placement
  • ACH processing
  • Secure, customizable API
  • Retail
  • MOTO
  • E-commerce
  • Mobile
  • International

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Sales & Marketing | A+

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? 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.

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Costs & Contract | B

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: $250
PCI compliance fee: Variable
Equipment lease: 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 awarding the company a “B” in this category. See the ChargeToday Merchant Agreement.

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Complaints & Service | A

Key Points – Complaints & Service
Total 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.

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BBB Report | A*

Key Points – BBB Report
Product/service: 0
Billing/collection: 1
Advertising/sales: 0
Guarantee/warranty: 0
Delivery: 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 one complaint filed against it in the last 36 months. The complaint stemmed from a billing or collection issue and was successfully resolved. It is our belief that “A+” ratings should be reserved for companies with clean complaint records, and we have therefore slightly adjusted the BBB’s rating to an “A.”

* Denotes CPO-adjusted BBB score

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Bottom Line

ChargeToday Review

Rated 4.4 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-21

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.

This review was originally published on 3/12/13 and was last updated on 4/21/15.

Leave your review of ChargeToday in the comment section of this review:


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