Smarter for everyone: Intelligent Rate.

0% cost to your institution. 68% of consumers pay less.

Apply A
Dynamic Fee
Empower Consumers
To Save

Intelligent Rate prices different cards at their different costs.

Instead of charging a flat rate, Intelligent Rate sets the service fee to correspond to the cost of accepting the card a consumer chooses. For example, consumers who choose rewards cards will cover the extra cost associated with those rewards.

Consumers with low-cost cards pay a lower fee (as low as 0.75%).

Intelligent Rate provides real-time information about savings options. Consumers can reduce their service fee by choosing a lower-cost form of payment, such as a no-frills credit card or a debit card.

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

In Office

Virtual Terminal

  • Complete an order in just a few clicks. Magstripe reader optional.
  • No software to install, no special expertise needed.


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

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

Intelligent Rate is a smarter approach to service fees.

Most cardholders pay less with Intelligent Rate, and all cardholders are informed of lower-cost alternatives.

It's consistent with our mission of helping students and their families make better payment decisions through education and transparency. And it's a true win-win for schools and families alike.”

— Craig Lockwood, President
    Tuition Management Systems

Tuition Management Systems is using CardX.
Read how in the Newsroom.

Read More

Pricing: No upfront cost and no term contract.

Card Acceptance

Consumers Choose the Fee They Pay

68% of consumers save with Intelligent Rate.1 The service fee ranges between 0.75%–3.99%, depending on card type (with a $1.99 minimum).

What do consumers see on their credit or debit card statement?
1Compared to a flat rate of 2.75%. Data from a case study of 1,000 government services transactions at an Ohio municipality.

In Office

Virtual Terminal
$0 / month


$0 / month

Why Institutions Choose CardX

Zero Cost

When consumers pay with a credit card or debit card, your institution receives 100% of its billed amount. CardX collects the service fee and pays all transaction costs, so you get every dollar you’re due.

Leading Technology

Is your payment solution older than the original iPhone? In Government + Education, most payment providers haven’t kept up with the times. Intelligent Rate is powered by our patent-pending technology that determines card type and cost of acceptance in less than a second. The result is a forward-thinking payment solution that provides the transparent experience today’s consumers expect.

Fair and Friendly

With Intelligent Rate, consumers are responsible for covering only the costs they create, just like with utility bills and other consumer services. In contrast, a flat-rate service fee forces a consumer with a low-cost card, such as a debit card, to subsidize a consumer who prefers a card that’s more costly to accept.

Get In Touch


Intelligent Rate is available in the following merchant category codes:

MCC 9311 – Tax

MCC 9222 – Fines

MCC 9211 – Court Costs

MCC 9399 – Misc. Gov. Services

MCC 8220 – College Tuition

MCC 8244 – Business and Secretarial Schools

MCC 8249 – Trade Schools

MCC 8211 – Elementary and Secondary Schools

Not eligible? Try CardX for Business instead.