ChargeToday Review | Expert & User Reviews

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A Cynergy Data Reseller

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. In February 2022, ChargeToday formed a partnership with @Pay, a buy-now-pay-later platform.

ChargeToday Payment Processing

ChargeToday processes most major payment methods, including Apple Pay, Google Pay, Samsung Pay, and most major debit and credit cards. They offer Clover retail and POS systems, payment gateways such as NMI and Authorize.Net, and other e-commerce solutions (though it is unclear what kind).

ChargeToday Location & Ownership

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 complaints are few to none on public complaints forums.
  • BBB Rating: ChargeToday has no rating with the Better Business Bureau and has received 0 complaints in the past three years.
ChargeToday payment processing

ChargeToday appears to offer basic payment processing services

Should You Trust ChargeToday?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

Low Complaint Total

We are currently able to locate only one negative ChargeToday review online, and this complaint does not accuse the company of being a ripoff or a scam. Filed more than five years ago, the negative ChargeToday review mentions unauthorized fees and poor customer service. Given its age, this ChargeToday complaint is not a major factor in the company’s score at this time. Merchants with their own ChargeToday complaints should leave them in our comment section below.

ChargeToday Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against ChargeToday. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

ChargeToday Customer Service Options

The company’s website lists dedicated phone support and live chat support, although it is unclear at this time whether these lines of communication are serviced by ChargeToday or Cynergy Data.

We have located a single ChargeToday customer service number:

(888) 290-0073 – Toll-Free General Customer Service

ChargeToday also offers live chat support through its website. 

Is the BBB Rating for ChargeToday Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

Total Complaints
Resolved Complaints

No Longer Accredited

ChargeToday was formerly an accredited business with the Better Business Bureau, but it no longer is. In fact, the BBB is listing the company as out of business, which is in part due to the website being down previously. The site is back up, so it is unclear what the status of the company currently is. As of this update, the company has no rating with the BBB and has had 0 complaints filed against it in the last 36 months. It also has not received any negative informal reviews.

No Score

The Better Business Bureau does not give a score for ChargeToday at this time. Accordingly, we will not factor a BBB rating into this review.

How Expensive is ChargeToday Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

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

ChargeToday Contract Terms

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 ChargeToday 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 ChargeToday rates and fees, we are assigning the company a “B” in this category. See the ChargeToday Merchant Agreement.

We also encourage merchants to check out our list of the providers of the best merchant accounts.

Does ChargeToday Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

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Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

Outside Sales Team

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.

This compares favorably to our list of best credit card processors.

Does ChargeToday Deserve Your Business?

Review Summary & Our Thoughts

A Reliable Option

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. It should also be noted that the status of the company is currently unclear, so merchants may wish to seek other options.

Customer & Employee Reviews

What Others Are Saying About ChargeToday

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Phillip Parker
Credit Card Processors
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