XCharge Review

7 Replies

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

Overall Rating

B minus rating


XCharge (x-charge.com), also known as Accelerated Payment Technologies (acceleratedpay.com) or, formerly, CAM Commerce, is a merchant account provider headquartered in Pleasant Grove, Utah. “XCharge” appears to be the name of both a product and a DBA of Accelerated Payment Technologies, which was acquired by Global Payments in August 2012. This review will evaluate the available information about both company names and treat them as one entity.

XCharge is a registered ISO/MSP of HSBC Bank, National Association in Buffalo, New York, a registered ISO and MSP of Wells Fargo Bank, N.A., Walnut Creek, California, and a registered ISO for Synovus Bank in Columbus, Georgia. Robert Cortopassi is listed as the senior vice president and general manager of XCharge, which is headquartered at 2436 W 700 S, Pleasant Grove, Utah 84062-3740.

XCharge Products and Services Industries Served
  • Retail
  • Restaurant
  • E-commerce
  • Accounting
  • Hospitality
  • Canadian businesses

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Sales & Marketing | B

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? No

XCharge appears to rely on paid-by-commission independent agents to market its services. This practice is common within the merchant services industry and is often a major cause for complaints among small business owners. In this case, we are able to locate a handful of negative XCharge reviews that accuse one of the company’s sales reps of misrepresentation or nondisclosure of rates. We have also found documents online that indicate that at least two lawsuits have been filed against the company by former sales agents, and these documents seem to suggest that these former employees feel they were denied appropriate compensation for their services. Without knowing the specifics of these cases, we will not factor them into the company’s score, but it is worth noting that it appears that some former XCharge employees are unable to resolve their own complaints with their employer outside of the legal arena. As a point in the company’s favor, XCharge does not appear to engage in deceptive advertising strategies in its official materials.

XCharge Marketing Example

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Costs & Contract | D

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Liquidated damages
PCI compliance fee: $99/year
Equipment lease: Variable

The standard XCharge contract (available below) is a three-year agreement with automatic renewal for one year through Global Payments. The contract includes a Liquidated Damages early termination fee, and we have found some merchant complaints that mention an annual PCI Compliance fee of $99. Although this particular copy of the company’s contract does not include the full fee schedule, it is also possible that merchants are subject to application fees, minimum monthly fees, chargeback fees, and service fees.

The contract’s Liquidated Damages early termination fee is figured in an uncommon way. It charges the merchant “the lesser of (a) the maximum amount permitted by state law, and (b) all monthly fees assessed to Merchant under this Card Services Agreement and due to Global Direct for the remainder of the then existing term of the Card Services Agreement, including all minimum monthly fee commitments.” In other words, merchants who cancel service will be on the hook for either the maximum allowable fine under state law or the remaining cost of their contract, depending on which amount is smaller. Regardless of how expensive this may be in practice, it is clear that it bears little relation to the actual loss suffered by the company upon the merchant’s cancellation. At this time, we are only able to locate a couple of merchant complaints about the company’s terms, but it seems that the service can get very costly very quickly for a merchant. See the XCharge Merchant Application.

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Complaints & Service | B+

Key Points – Complaints & Service
Total complaints: 10+
Live customer support: Yes
Most common complaint: N/A

We are currently able to locate over 10 XCharge complaints, none of which describe the company as a scam or a ripoff. Common themes among complainants include equipment issues, poor customer service, and undisclosed fees. The company has seen a moderate uptick in complaints since the time of our last review, which indicates that it may be growing very rapidly or may have made an unfavorable alteration to its contract terms in that time. At this time, we are able to locate complaints that mention XCharge, Accelerated Payment Technologies, and CAM Commerce, so the company may be conducting business under all three names. XCharge appears to offer dedicated support phone lines on its website, but it is unclear whether these are serviced by Global Payments or by XCharge.

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BBB Report | B+*

Key Points – BBB Report
Product/service: 3
Billing/collection: 5
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 0

As of this review, XCharge is not listed with the Better Business Bureau, though its alternate name, Accelerated Payment Technologies, is listed as “GP-Direct APT, LLC” (possibly an abbreviation of Global Payments Direct Accelerated Payment Technologies) with the BBB. Accelerated Payment Technologies currently has an “A-” rating with the BBB and has had nine complaints filed against it in the last 36 months. Five of these complaints stemmed from billing or collections issues, one from an advertising or sales issue, and three from problems with products or services. Of the total complaints, eight were successfully resolved. The remaining complaint was not solved to the customer’s satisfaction. In light of the company’s complaint rate and resolution ratio, we have slightly adjusted the BBB’s rating to a “B+.”

* Denotes CPO-adjusted BBB score

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Bottom Line

XCharge Review

Rated 3 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-29

XCharge rates as an average merchant services provider according to our rating system. The company is showing few complaints online, but its overall rating suffers from the poor contract terms it offers through Global Payments. Merchants should be aware that XCharge, X-Charge, Accelerated Payment Technologies, and CAM Commerce are all current or former names for this business.

This review was originally published on 3/22/13 and was last updated on 4/29/15.

Leave your review of XCharge in the comment section below:


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  1. Heather Evans

    I have been with x-charge for many years. I would have changed to a different company years ago but they have a monopoly on the veterinary industry as far as credit card processing through our software system is concerned. We have had numerous issues with credit cards not being processed correctly, and when I call to get it corrected I am left on hold for a very long time. I called today to update our equipment to the new EMV processing terminals and was left on hold for over half an hour. I had to hang up to help a client, and when I called back I requested that a technician call me at their earliest convenience so that I would not be placed on another extremely long hold. I was told that they are unable to take messages. I asked if I could order the equipment online and was told no. I asked what my options were and was told the ONLY option was to hold. I asked how long my hold time was expected to be, and was told they had no way of knowing. I would suggest that they hire more people or get an updated phone system that allows for phone messages to be left, or at least have basic card reading equipment available for sale on their website.


    we currently use X-charge through our Mitchell one software also. They have horrible customer service I asked 3 times the other day to put me through to a manager and still was not able to speak with one. If you use them you better hope you never have a chargeback. We had one on July 31st which was a mistake made by our customers credit card company in the amount of $5800 and it is now August 11th and we are still waiting for our money to be returned. I had myself, the cardholder, and a rep from citibank on the phone with X-charge and we were all saying the same thing and all agreed that it was a mistake and that our charge was a valid charge and I still got the answer that it was under investigation. I said INVESTIGATING WHAT? we are all on the phone and in agreement that the charge is valid he told me there is a process time of 7-10 days from the time they recieve all the info they need. So in other words no matter what I do or information I provide you with it will take 7-10 days to get my money back and in the meantime I’m bouncing checks and scraping to make payroll, taxes and sales tax. Meanwhile they are collecting they are accruing interest on my money. DO NOT USE THEM THEY ARE HORRIBLE AND DON’T CARE. As soon as I get my money back I’m switching. We do $15,000 – $30,000 month in credit card sales and this is totally uncalled for especially when I can’t even get a manager on the phone. If I’m going to pay the ridiculous fees a manager needs to be available to listen to my complaint not some snotty little representative with an attitude becaused asked for a manager.

  3. Robert

    I have used X-Charge for both companies I own well 1.5 million in annual sales. I have no complaints whatsoever. Most processing companies are absolutely awful.

  4. Tyler Schrupp

    Used x-charge with the Mitchell manager integration. Worst experience ever. STAY AWAY. It is a shame that Mitchell only works with this company.

  5. Abby

    I started with accelerated payments x-charge with being told they had an iPhone 5 compatible card reader. I received the reader and found out that it in fact was not compatible, so I contacted the sales rep and he told me it will be compatible when I purchace the 30 pin lightning adaptor. From the start my reader wouldn’t read cards correctly. I called with complaints numerous times, and would get the blame game. I asked if they could send me a new reader and was told I would have to purchase another one. I told them it never worked in the first place and the best they could do for me was offer me a 20% discount.

    I recently have been having to charge the majority of my transactions manually because my reader continues to not work. Being fed up, I called again. My phone call lasted over an hour and I got nowhere!! They said, after being on hold for at least 15-20 minutes that they could get me a new reader at 50% off. At this point I felt like this is going to be the best u can get with this poorly operated company! So I said I said I’d take it. Come to find out, I can only purchase the reader by submitting a fax with my cc info. Being a small business, I don’t have access to a fax machine. They told me this is the only way I can purchase it.

    From that point, I’m at my wits end and tell them I want to leave my contract with them. (Which I was never told I was agreeing to a 3 year contract in the first place when their representative helped me remotely on my computer). They put me through to a department that couldn’t help me and said I’ll receive a call within 48 hours. This has been the WORST CUSTOMER SERVICE EVER!!! I would have remained happy if they would have replaced my faulty reader in the first place. I wouldn’t recommend this company to my worst enemy.

  6. sonya zacker

    We are a small seasonal business and this is a rogue company which practices business nothing short of robbery. A problem on their back end caused over a month of payments to go unprocessed last summer. In our off season months when we were closed, they charged us various monthly fees anywhere from 70 to 160 a month in charges, amounting to 100’s of dollars when we weren’t even open. No one in customer service was responsive. By the time we were going to reopen, we wanted to quit doing business with them altogether after which they went in to our bank account and took out almost $2500.

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