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Sell $100, see $100.

Zero cost on credit cards. Simple, transparent pricing.

Credit Cards
Debit Cards

When customers choose a credit card, they also cover the fee.

At the time of purchase, CardX informs the customer of the fee amount, and always gives the option to pay with a no-fee method. You receive 100% of the amount of your sale.

When customers choose a debit card, they pay no fee, keeping you compliant.

Your customers always have a no-fee payment option. To comply with the rules, CardX automatically detects when a debit card is entered and applies no fee. You pay only the low cost of debit card acceptance.

Where CardX Works: There’s a CardX solution for every way you accept cards.

In Office
In Person


  • Customers pay seamlessly on your website, without being redirected away.
  • 100% secure. No PCI exposure. Beautifully designed.

Virtual Terminal

  • Complete an order in just a few clicks.
  • No equipment required, no software to install, no special expertise needed.


CardX Terminal: What’s in the box?

  1. Custom Terminal

    Our custom terminal with EMV Quick Chip and the CardX application pre-installed. Plug in the terminal and you’re ready to sell.

  2. Getting Started Guide

    Our visual guide to getting started and completing common operations, such as sales and returns.

  3. Signage

    Tasteful signage for your place of business that keeps customers informed—and keeps you compliant.

  4. Receipt Paper
  5. Ethernet Cord
  6. Power Cord

CardX Serves Leading Companies:
We’re the #1 name in zero-cost transactions.

Before we learned about CardX, we were reluctant to accept cards due to the high cost. With CardX, customers simply use a credit card and I get the full sale amount deposited to my account the next day.

CardX really takes all the complexity out of accepting cards.

They even ship us more paper for receipts at no cost whenever we ask! Everything has worked so well that we're starting to use the solution at a second location this month.”

— Rachael
    California Granite & Flooring

Paychex is using CardX.
Read how in the Newsroom.

Read More


Card Acceptance

Sell $100 on a credit card, receive $100 in your account.

You Pay
Your Customer's Fee

What do customers see on their credit card statement?

Sell $100 on a debit card, receive $98.75 in your account.*

You Pay
1% + $0.25*
Your Customer's Fee

*Debit card pricing varies among processor platforms. Please confirm your debit card pricing by reviewing your agreement with the payment processor.

On some processor platforms, commercial debit cards are assessed a rate of 3.38%.

Key-entered debit transactions on the CardX Terminal do not qualify for the 1% + $0.25 rate. To achieve the 1% + $0.25 rate for key-entry, we invite you to sign up for the Virtual Terminal at no additional cost.

In Person

Custom Terminal with EMV Quick Chip
$35 / month

In Office

CardX Portal
Starting at $29 / month


Included with CardX Portal

Why Businesses Choose CardX

Zero Cost

You keep 100% of every credit card sale: when you sell $100, you receive $100. Pay only for debit card transactions.

Fully Compliant

We’re experts so you don’t have to be. Our turnkey solution complies with all the rules and automatically has you covered.

Customer Friendly

CardX passes on the fee for credit card transactions only. Your customers can always choose debit as a no-fee option.

Get In Touch

Fair for Everyone

The Problem

Unless businesses pass on the credit card fee, they have to either raise prices across the board—harming customers who pay with cash or debit—or accept a lower profit margin on credit card sales.

Our Solution

CardX allows customers to pay the fee if they choose a credit card for convenience or rewards, or to use a low-cost debit card with no additional fee.


CardX serves businesses in 47 states plus the District of Columbia.
CardX does not yet serve businesses in CO, CT, and MA.
CardX is available in Maine and New York, and additional terms apply.

For more information on where CardX is available, visit our Compliance page.

Looking for Our Government + Education Solution?

CardX offers a forward-thinking solution tailored to eligible institutions.

Learn More