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Charge.com

Overview

Charge.com is one of the larger payment processors operating in the US right now. The company's head offices are in Sunrise, Florida.

With 18 years of experience, Charge.com ensure that you will get a dedicated account specialist to help you get set up. They place great emphasis on customer support.

Charge.com was purchased by Pipeline Data Processing a few years ago but still offers services under the Charge.com brand. This is not surprising as it is a great name.

Charge.com Review
CategoriesRating
Features
Fees
Contract Flexibility
Summary
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Features and Services

  • Payment Solutions: Gateway and machine payments, mobile and phone payments, plus virtual payment terminals.
  • Activation and Setup:No sign-up fees
  • Administrative Fees: $10 monthly account fee, $25 monthly minimum fee, online payments cost $19.95 monthly fee to cover the gateway payment costs.
  • Transaction Rates & Fees: $0.19 for retail credit transactions, $0.29 for retail debit card transactions, companies must pay 1.59% of the retail credit transaction, 1.39% of the debit card transaction, and 2.2% of the online transaction.
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The Expert Market Verdict

Charge.com do not charge an application fee, which is great for smaller businesses looking to get started quickly. They have also now removed their early cancellation fee, which was previously $300.

Charge.com have a very high approval rate, meaning businesses with poor credit could consider this provider. However, there are a large number of public complaints online about both Charge.com and their parent company which is concerning. Most of these reference unsatisfactory customer service, so this is definitely something you should take into account when looking for your credit card processor.

Another problem that is often cited in the negative reviews about Charge.com is that funds are often slow to be released. May customers are also complaining about hidden charges that are not obvious in the contracts they are providing. One hidden charge with several mentions online is a PCI compliance fee of $150.

Taking all this into consideration it is clear that Charge.com is at best a mid-ranking payment processor. Their high approval rate will appeal to some, but others will be put off by the hidden fees and poor customer service.