Terms and Conditions

These terms and conditions shall apply in addition to and be read consistently with your specific CardX Client Application.

Intelligent Rate and Zero-Cost Credit (collectively, the “Solutions”) are proprietary payment solutions created by CardX, LLC (“CardX”). Your permitted use of the Solutions will also be referred herein as a “License” and is subject to these legally binding Terms and Conditions (“Terms”) and constitutes your agreement to be bound by and to act in accordance with these Terms. “Use of the Solutions” exclusively and solely means using the Solutions to process the payments made by your patrons or customers. No other use is permitted unless expressly allowed by CardX in writing. The License shall be non-exclusive in that the parties understand that CardX may license all or any part of the Solutions to any other person or entity at its sole discretion and under any terms it desires. You may not, without the written permission of CardX, transfer, assign, or pledge all or any part of the License.

Please note that, based on standard processor settings, the discount rate is assessed on your sales volume in gross, meaning all volume including any sales that may be refunded or charged back.

CARDX AND SALES PARTNER’S DISCLAIMER OF LIABILITY:

THE SOLUTIONS ARE PROVIDED “AS IS,” AND CARDX AND ANY SALES PARTNER DISCLAIM ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. NO ADVICE OR INFORMATION (ORAL OR WRITTEN) OBTAINED BY YOU FROM CARDX OR SALES PARTNER SHALL CREATE ANY WARRANTY. IN NO EVENT SHALL CARDX OR SALES PARTNER BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE SOLUTIONS. THE SALES PARTNER, THOUGH NOT A SIGNATORY TO THESE TERMS, IS NONETHELESS A THIRD-PARTY BENEFICIARY TO THIS DISCLAIMER.

CardX acknowledges the importance to its business of the content, accuracy, completeness, performance, and timeliness of the Solutions. However, CardX disclaims any responsibility for errors or omissions in the content, accuracy, completeness, performance, or timeliness of the Solutions, nor does CardX guarantee the content, accuracy, completeness, performance, or timeliness of the Solutions. Similarly, information provided by the Solutions or the Terms is subject to change at any time by CardX without prior notice.

In addition, the failure on the part of CardX to enforce any part of these Terms shall not constitute a waiver of any of CardX’s rights hereunder for past or future actions.

If any term or other provision of these Terms is determined to be invalid, illegal, or unenforceable, all other conditions and provisions of the Terms shall nevertheless remain in full force and effect.

Any dispute over the content or use of the Solutions or the Terms shall be governed by the substantive laws of the United States and the State of Ohio, and the jurisdiction and venue of any such action shall be vested solely in the federal and state courts of Franklin County, Ohio. You accept the jurisdiction of the State of Ohio over your person.

You acknowledge and agree that these Terms constitute the entire agreement between you and CardX with respect to the use of the Solutions.

BY USING THE SOLUTIONS, YOU SIGNIFY YOUR UNDERSTANDING AND AGREEMENT TO COMPLY WITH THESE TERMS AND CONDITIONS.

Last Updated: July 28, 2019



Close
XX

On the Credit Card Statement

Your customers see one line item on their credit card statement.

Credit Card Statement

On the Credit / Debit Card Statement

Your consumers see two line items on their credit or debit card statement.

Credit / Debit Card Statement

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

California

For Business

For Government

For Education

Colorado

For Business

For Government

For Education

Yes, Colorado education institutions can use CardX. Only state schools are eligible.

Connecticut

For Business

For Government

For Education

Florida

For Business

For Government

For Education

Kansas

For Business

For Government

For Education

Yes, Kansas education institutions can use CardX. Only state schools are eligible.

Maine

For Business

For Government

For Education

Yes, Maine education institutions can use CardX. Only state schools are eligible.

Massachusetts

For Business

For Government

For Education

Minnesota

For Business

For Government

For Education

New York

For Business

Yes, New York businesses can use CardX, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Government

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Education

Yes, New York education institutions can use CardX, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

Oklahoma

For Business

For Government

For Education

Texas

For Business

Yes, Texas businesses can use CardX, so long as they do either of the following:

Disclose the Credit Card Price in dollars and cents whenever they post or quote their prices. See how to make the additional disclosure.

-or-

Pass on the credit card fee when customers pay online or by phone, but only if the business also accepts credit cards in person and applies no fee to card-present payments.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Government

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Education

  1. Yes, Texas Higher Education institutions can use CardX.
  2. Texas K-12 schools can also use CardX, so long as they do either of the following:
    1. Pass on the credit card fee when customers pay online or by phone, but only if the K-12 school accepts credit cards in person and applies no fee to card-present payments. or
    2. Disclose the Credit Card Price in dollars and cents whenever they post or quote their prices. See how to make the additional disclosure.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”