ChargeToday Credit Card Processing 2023: Reviews & Complaints
(888) 290-0073 Company Overview
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).
Online Payment Processing from ChargeToday
An important service ChargeToday provides is online payment processing. This service enables businesses to accept payments from customers through their websites. It integrates with various e-commerce platforms and shopping carts, allowing businesses to process online transactions efficiently.
Point of Sale Systems by ChargeToday
ChargeToday also provides point of sale (POS) systems. This service includes hardware and software that allow businesses to process in-person transactions. The POS systems accept different forms of payment, including credit and debit cards and mobile wallet payments.
ChargeToday’s Mobile Payment Processing
ChargeToday offers mobile payment processing solutions, which allow businesses to accept card payments using mobile devices. This feature is particularly beneficial for businesses that operate on the move, such as food trucks, outdoor markets, or trade shows.
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.
Table of Contents
- Costs & Contract: Appears to offer a standard contract through…
- Complaints & Service: Complaints are few to none on…
- BBB Rating: Has no rating with the Better Business Bureau and has received…
- Sales & Marketing: Does not engage in misleading sales tactics and has not…
ChargeToday appears to offer basic payment processing services
ChargeToday Customer Reviews
Here's What Their Clients Say
| Item | Result |
|---|---|
| Total Online Complaints | <10 |
| Live Customer Support | Yes |
| Most Common Complaint | N/A |
| Recent Lawsuits | No |
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 reviews 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 clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
ChargeToday Customer Support 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.
ChargeToday Customer Service Number
- (888) 290-0073 – Toll-Free General Customer Service
Other Support Options
- Live chat
ChargeToday Online Ratings
Here's How They Rate Online
| Item | Result |
|---|---|
| BBB Reports | 0 |
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 there is no BBB account for the company anymore.
ChargeToday Fees, Rates & Costs
A Closer Look at The Contract
| Item | Result | >
|---|---|
| Processing Rates | Variable |
| Cancellation Penalties | Yes |
| Monthly & Annual Fees | Likely |
| Equipment Lease Terms | Yes |
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 business owners 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 client complaints about ChargeToday rates and fees, we are assigning the company a “B” in this category. See the ChargeToday Merchant Agreement.
We also encourage business owners to check out our list of the providers of the best merchant accounts.
ChargeToday Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Item | Result |
|---|---|
| Uses Independent Resellers | Yes |
| Telemarketing | Likely |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
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.
Our ChargeToday Review Summary
Our Final Thoughts
ChargeToday rates as a reliable credit card processing 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 businesses may wish to seek other options.
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Ryker Suzanne
I’ve been using ChargeToday for a while now, and I must say, it’s been a game-changer for my business. With seamless payment processing and a user-friendly interface, managing transactions has never been easier. The platform’s security features give me peace of mind knowing my customers’ data is safe. From the start, their customer support team impressed me with their responsiveness and willingness to assist. ChargeToday has streamlined my payment operations, allowing me to focus on growing my business. I appreciate the detailed reporting tools that help me keep track of sales and analyze trends effortlessly. It’s evident that ChargeToday values its customers and is dedicated to providing a top-notch service. I highly recommend ChargeToday to any business looking to enhance their payment processing experience.