Charge.com has been in the game of offering credit card processing solutions for 14 years. They offer start-up solutions with a very low fee (currently they are actually offering a lot of the setup costs for free). Filling out the application form takes 5 minutes and Charge.com has a 98% approval rate. The discount rate is average for online based businesses. If you want a solid and professional credit card processing company with average prices then Charge.com might be for you.

Average Approval Rating

Charge.com has an approval rating of 98% which they claim are the highest in the industry. They do not charge an application fee when you sign up. The company promises to set up your account within two days of receiving your application and most of the time it will take about 24 hours.

Cost Per Month

Charge.com has a very low monthly cost. They offer a $16.95 monthly payment gateway fee, a $10.00 statement fee and a $25.00 monthly minimum. The 2.25% discount rate has a $0.25 transaction fee. Occasional fees include a $25.00 charge back fees, a $0.25 voice authorization fee and a $0.05 address verification fee.

Startup Cost

Since the startup costs are free you won’t find a better deal.

Account Setup Time

An application is normally processed within 24-48 hours. Most other Independent Service Organizations (ISO) will take longer time to process your request.

Customer Service

When you contact Charge.com you will be instantly connected to a sales representative who will answer all of your questions. The customer service they offer are very high quality.

Internet Based Features

They offer a merchant account, a payment gateway through Authorize.net, a virtual terminal and a shopping cart.

P.O.S./Swiper Based

Charge.com offers 2 different models of Point-of-Sale terminals. This is a limited choice when compared to the number of choices offered by other credit card processing companies. However if you don’t need any fancy feature this might be an advantage.

Our Conclusion

Charge.com is a good credit card processing service with 24/7 customer support.

Actual Customer Feedback

“Signup was pretty easy…no problems so far…I would highly recommend… no complaints about them thus far….”
Snippet of actual customer feedback from psoft.net forum

“I used charge.com because they were recommended by two friends…I thought the set up process was fast and easy, and any time I’ve called there, I’ve always spoken to a live person who has been helpful…I also found the rates to be very good…I don’t know how my experience could be any better…”
Snippet of actual customer feedback from Amazon.com

“…free application, free setup, free software….”
Snippet of actual customer feedback from gspay.com

“…safe and secure, and there is absolutely no paperwork, startup or application fees…Even for someone like me who isn’t computer savvy at all, Charge.com made my transition into net business quick and painless….”
Snippet of actual customer feedback from merchantcardaccounts.org