ChargeToday Review


Credit Card Processors
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ChargeToday Overall Rating

"A" Credit Card Processor Rating
Last Updated: February 6, 2014
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ChargeToday Overview

ChargeToday Logo

ChargeToday Logo

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. The company offers debit and credit card processing, ATM services, e-commerce solutions, check processing and more. ChargeToday also provides international, wireless, online, mail/phone order (MOTO) and retail payment solutions. 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.

ChargeToday Sales & Marketing Tactics | A+

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.

ChargeToday Costs & Contract Terms | B

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.
ChargeToday Cynergy Data Contract

ChargeToday Complaints & Service | 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 Report | A (CPO Adjusted)

ChargeToday is an accredited business with the Better Business Bureau (BBB). As of this update, the company has an “A-“ review 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. The lone factor lowering the company’s BBB rating is the BBB’s inability to obtain information about the company. Taking this information into account, we have slightly adjusted the BBB’s rating to an “A” for the purposes of this review.

Bottom Line

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.

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