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The #1 name in zero-cost.

CardX passes on the credit card fee and enables the customer to choose a lower-cost option, making payments more fair for everyone.

Our Story

Innovation at the intersection of technology and compliance.

New Rules

In 2013, new rules enabled businesses in America to do what universities and government had long been permitted to do: pass on the fee when customers choose credit cards for convenience or rewards.

We founded CardX because we recognized the opportunity to provide much-needed relief.

For American businesses, credit card acceptance is one of the largest, and fastest-growing, operating costs.1 In fact, since 2005, the interchange cost of Visa’s and MasterCard’s premium rewards cards has risen by 24%.2

And yet, while these costs were increasing in America, they were decreasing throughout the rest of the world. In countries where passing on the credit card fee is permitted, economic research shows that the cost of card acceptance has been significantly reduced.3

1 Merchants Payments Coalition, Reforming Credit Card Swipe Fees to Grow Our Economy (2015).

2 U.S. Gov’t Accountability Office, GAO-10-45, Rising Interchange Fees Have Increased Costs for Merchants (2009).

3 Allen Consulting Group, Review of Reform of Australia’s Payments System: Regulation of Credit Card Payments (2007).

New Solution

By passing on the credit card fee and enabling the customer to choose a lower-cost payment option, CardX creates cost transparency and equips customers to “comparison shop” among payment types. This applies competitive pressure to the prices charged by credit card companies.

As a turnkey solution provider, we differentiate ourselves at the leading edge of technology and compliance.

The CardX solution is powered by our patent-pending technology that—for payments in person, in office, and online—determines card type and cost of acceptance in less than a second.

Moreover, the CardX solution is designed for seamless compliance in the evolving regulatory landscape—and we’re the ones leading the change, all the way to the U.S. Supreme Court.

The #1 name in this growing field, we license our solution to industry-leading software companies and merchant services providers. Every day, CardX and our partners bring zero-cost credit card acceptance to government entities, schools, and businesses of all sizes, from Main Street merchants to public companies.

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Our Founder

Jonathan Razi


Jonathan Razi is CEO and founder of CardX.

As CEO, Jonathan is responsible for defining and executing the CardX mission. He oversees strategy, compliance, marketing, and product development.

Jonathan’s thought-leadership has established CardX as the foremost name in its field. A noted expert, Jonathan authored the CardX brief in U.S. Supreme Court.

Jonathan earned a J.D. from Harvard Law School and a B.A. from the University of Chicago.