Sell $100, see $100.

Zero cost on credit cards. Simple, transparent pricing.

Accept
Credit Cards
Accept
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 Person
In Office
Online

Terminal

Virtual Terminal

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

Lightbox

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

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.

We’ve processed more than $11,000,000 of credit card payments at zero cost.

No other provider could do this for us. We haven’t experienced attrition or lost customers.

The customers that preferred not to pay the credit card fee didn’t walk away, but instead switched to other forms of payment, such as a check or debit card, which cost us much less.”

— Karren Babayan, Controller
    Brenntag Pacific, Inc.

Paychex is using CardX.
Read how in the Newsroom.

Read More

Pricing: No upfront cost and no term contract.

Card Acceptance
Pricing
Technology
Pricing

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

You Pay
0%
Your Customer's Fee
3.5%

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
0%

*Your business's cost on consumer debit cards is 1% + $0.25. Commercial debit cards, because of the higher rate charged by the issuing bank, cost 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


High-quality hardware isn’t free, but our terminal pricing saves you up to 33% compared to a lease. Best of all, unlike a lease, there’s no long-term commitment: if you ever want to go back to paying credit card fees, you can return our terminal at any time without penalty.

In Office

Virtual Terminal
$0 / month

Online

Lightbox
$0 / month

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.

Availability

CardX serves businesses in 44 states plus the District of Columbia.
CardX does not yet serve businesses in CO, CT, MA, ME, OK, and KS.
CardX is available in New York and Texas, 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