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Smarter for everyone: Intelligent Rate.

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

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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.

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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.

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Pricing: No upfront cost and no term contract.

Card Acceptance
Pricing
Technology
Pricing
0.75%
3.99%

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

Online

Lightbox
$0 / month

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

In Office
Online

Virtual Terminal

  • Complete an order in just a few clicks. Magstripe reader optional.
  • 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 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.

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Powerful Surcharging: Proven at Scale

27 Million

Savings delivered to CardX customers since 2020

27 Million

Customers served 24/7

27 Million

Uptime means dependability for customers

27 Million

Payment processors and ISOs use CardX technology

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.


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Eligibility

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.

Helping Businesses Win

equipment-dealers

“We are able to get deposits/payments quicker than ever and eliminate a lot of the manual work. Not only is the platform itself wonderful, the customer service is impeccable.”

Aerial Titans

Increase Your Margins Without the Hassle

Businesses incur billions in interchange fees each year. With CardX, they don't have to.

TRUE ZERO COST

100% COMPLIANT

TOTALLY TURNKEY

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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.”