XCharge Review

5 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


Overview

XCharge Logo

XCharge Logo

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.

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5 comments

  1. 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.

  2. 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.

  3. 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.

  4. 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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