Home > Processor Research > ChargeToday

What Merchants Should Know About ChargeToday

Name: ChargeToday
Item: ChargeToday
Rating: 4
Author: Phillip Parker

Author: Phillip Parker

Updated: September 29, 2025

Maintained Since: March 12, 2013

+ Advertising Notice

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

ChargeToday

Rating

4/5

Leave User Review Compare Ratings

Pros

Mobile-friendly

Easy setup

Same-day funding

Accepts major payments

Sales-boosting options

Cons

Higher fees possible

Limited customer service

Technological issues reported

Non-transparent fee structure

Complex variable rates

Overview

In this ChargeToday review, we’ll provide an overview of their credit card processing services, including point-of-sale (POS) systems, mobile payment options, and e-commerce tools. We’ll highlight the types of businesses that may benefit most, while also reviewing customer feedback to reveal common trends and concerns. Along with their services, we’ll examine pricing, contract terms, and key features so you know what to expect. By the end, you’ll have the insights you need to decide whether ChargeToday is the right fit for your business’s payment processing needs.

About ChargeToday

Screen Capture of ChargeToday Homepage — ChargeToday Homepage

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.

Products & Merchant Services

Payment Processing

ChargeToday processes a variety of payment methods, including Apple Pay, Google Pay, Samsung Pay, and most major debit and credit cards. They provide Clover retail and POS systems, payment gateways like NMI and (link unavailable), and various unspecified e-commerce solutions.

Online Payment Processing

ChargeToday offers online payment processing, enabling businesses to accept payments through their websites. This service integrates with various e-commerce platforms and shopping carts.

Point of Sale Systems

ChargeToday supplies point of sale (POS) systems, including hardware and software for processing in-person transactions. These systems accept multiple payment methods, including credit and debit cards and mobile wallet payments.

Mobile Payment Processing

ChargeToday provides mobile payment processing solutions, allowing businesses to accept card payments via mobile devices. This feature is for businesses that operate in mobile environments, such as food trucks, outdoor markets, and trade shows.

Customer Reviews & Sentiment

Low Complaint Total

Currently, only a single negative ChargeToday review is accessible online, not implicating the company in any scams or ripoff schemes. This review, over five years old, cites unauthorized fees and inadequate customer service. However, due to its age, this isolated complaint doesn’t significantly impact ChargeToday’s overall reputation. If you have experiences with ChargeToday, feel free to share your review in our comments section below.

ChargeToday Lawsuits and Fines

No class-action lawsuits or FTC complaints have been found against ChargeToday. Clients seeking resolutions outside of litigation are advised to consider reporting to relevant supervisory organizations.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A

PaymentPop Rating for ChargeToday

Negative Feedback

There are no negative reviews published about ChargeToday on the PaymentPop website.

Positive Feedback

ChargeToday helped us get up and running quickly when we needed a reliable processor on short notice. The approval process was fast, setup was simple, and everything’s been running smoothly since. Their support team is easy to reach and always on point. Couldn’t have asked for a better experience.

No Longer BBB Accredited

ChargeToday was formerly an accredited business with the Better Business Bureau, but it no longer is. In fact, the BBB is listing there is no BBB account for the company anymore.

Processing Rates & Fees

ChargeToday Contract Terms

The standard ChargeToday contract, linked below, outlines a three-year term with automatic renewal for additional one-year periods and includes a $250 early termination fee. The contract form has designated areas for detailing PCI Compliance fees, monthly minimum fees, and various other charges, though these sections appear blank in the provided document. Currently, there are no specific complaints about ChargeToday’s contract terms available, suggesting a lack of widespread issues. However, merchants are encouraged to thoroughly review their agreements before finalizing. Considering the available contract details and absence of negative feedback regarding rates and fees, ChargeToday receives a “B” rating in this area. View the ChargeToday Merchant Agreement.

We also encourage business owners to review our compilation of the best merchant accounts to find options that may better suit their business needs.

Employee Reviews & Sales Practices

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 ofbest credit card processors.

ChargeToday Competitors

Compare ChargeToday to competitors that earned top marks.

Pricing

Bottom Line

ChargeToday rates as a reliable credit card processing provider according to our rating system. The company has garnered very few complaints online, which is a positive indicator of its service quality and customer satisfaction. ChargeToday appears to offer average contract terms through its affiliation with Cynergy Data, suggesting a standard level of service and pricing that could be suitable for many merchants. However, without more complete information about its contract terms, it’s challenging to provide a comprehensive assessment of its overall value proposition.

It’s also important to note that the current status of ChargeToday is unclear, which may be a cause for concern for potential clients. Businesses considering ChargeToday should exercise caution and conduct thorough due diligence, potentially seeking alternative options if any uncertainty remains. As we continue to gather more detailed information and monitor client feedback, ChargeToday’s overall rating may be subject to change. For now, while it shows promise, merchants are advised to explore other highly rated providers to ensure they secure the best possible terms and support for their credit card processing needs.

Read Actual User Reviews

See User Reviews Write a Review

All user reviews have been moved to our partner, PaymentPop.com

Contact ChargeToday

Contact & Customer Support
Founder and CEO	Glen Kaplan
Headquarters	1500 Beville Road, Suite 606, Daytona Beach, Florida 32114
Toll-Free General Customer Service	(888) 290-0073
Additional Support Channels	Live Chat
Website	chargetoday.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

Processor Leaderboard

Merchant Education

More Merchant Education

Popular Reviews

See All Reviews