About CardX

Category: Merchant Services
CardX offers online and in-person payment processing services to merchants, including a unique solution of 0% credit card costs and maximum transparency. CardX has a simple and easy-to-use design enabling seamless, efficient and fully compliant business payments.

Company: CardX

Headquartered in Chicago, Illinois, CardX offers a range of payment processing services to businesses. The company is known for its clear policies and payment plans with no hidden costs and service charges. With a clientele of over 200 businesses and 5,000 customers, CardX is making its way to becoming the leading name in zero-cost transactions. 

In-Depth Analysis

0 Overall
Price 4.5
Ease Of Use 4.5
Features 4.5
Support 4.5

Pros

  • 0% credit card cost
  • Transparent pricing structure
  • Excellent and timely customer support

Cons

  • Available only in 48 states in the U.S.
  • Lacks advanced merchant service features

CardX Comparisons

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Plans & Pricing

CardX offers a solution for payment processes to businesses, educational institutes, and government agencies.

Credit Cards
$0
/mo
+3.5% Processing Fee
Debit Cards
$0
/mo
1% + $0.25/Transaction
In-Person
$35
/mo
In-Office
$29
/mo
Online
$29
/mo

Credit cards

Receive payments via credit card, with no charges for business.

Debit cards

Receive payments via debit card, with minimal charges for business.

In-Person

Receive payments by swiping, with fast transactions and powered by EMV Quick Chip. Includes CardX terminal and maximum compliance.

In-Office

Receive payments in the office and complete orders in a few clicks. No equipment, software, or special expertise is needed.

Online

Accept payments on the website, with lightbox payment gateway and no PCI exposure. Pay at checkout
without redirection to another page.

Ease of Use

CardX offers various features that enable an easy-to-use service. The software is entirely free and no upfront payments are taken. Businesses can simply acquire the service by signing up on the CardX website, without the need of purchasing servers or paying for hosting.
Once an account is set up, the business owner can access the dashboard to review extensive information regarding their business’s financial activities. Transaction figures can be sorted by day, week, month, quarter, and year. Sales statistics can be viewed from the CardX terminal, the virtual terminal, and the Lightbox. A sales report can be generated to make informed decisions.

Customer Support

CardX claims to offer 24×7 customer support with separate hotlines for sales, customer support and partner collaboration. The business appears to have excellent customer service, as evident by next to no online complaints or poor reviews. Personal attempts to contact the company show that phone calls are timely picked up and email responses are received within 24 hours.

The business offers the following forms of customer support:
CardX offers 24/7 support through separate phone numbers for sales, customer services and partners.
There is a FAQ section on the website to guide the users.
It also offers separate email support for users, sales inquiries, and partners.
The business has a presence on LinkedIn to connect with the customers.
A demo for potential customers before they engage in a financial commitment with CardX is also available.

24/7 Help & Support
24/7 Help & Support
There is 24/7 support available to all users.
Phone Support
Phone Support
Dedicated phone number is displayed on their website for quotes
FAQ
FAQ
There is a FAQ section on the website to guide the users.
Features & Functionality
General Features
Features
  • ACH Payment Processing
  • Billing & Invoicing
  • Cryptocurrency Processing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Cash Transactions
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
Hardware & Software

POS
The CardX POS terminals are powered by Verifone. The presence of these terminals at sales points can make payments simple and convenient for people in businesses, government agencies, and educational institutions.
CardX accepts both debit cards and credit cards at its POS. Moreover, web payments and virtual payments are also accepted, and the option to choose between in-person payments and in-house payments is also provided.

Online Payments
Businesses can receive online payments through their websites. Since CardX has its payment gateway, customers are not redirected to another page. This will allow the business to have complete control over the stages of its interaction with customers without third-party intervention.

CardX Government + Education
CardX merchant service extends a Government + Education feature that enables government agencies and educational institutions to receive payments. In under a second, the technology-empowered service can determine information, such as the card type of the customer and determine the processing fee which will be charged.

This feature allows client businesses to not bear the cost of transactions, and all such processing charges are paid by customers. The demerits of flat-rate pricing, which is the use of low fees from low-cost cards to balance the high charges from high-processing rate cards, are also disabled.

Business
By eliminating operational costs, CardX offers an ideal service to for-profit businesses. This enhances profit margins for the business. Moreover, payments can be received from customers through both credit and debit cards. Since these processing charges are public, the customer gets to make an informed decision regarding the card they would prefer to use.

Regarding discounts, CardX ensures that cash discounts are only used by businesses if they are compliant. Compliance with the CardX merchant services includes the display of product prices with and without the use of a credit card for payment. Through this compliant practice, customer trust in the company would be improved. It also keeps the business secure from any unwanted penalties and litigations for non-compliance.

Funds and Financial Data Security
CardX is PCI compliant and pays extra diligence to information security. Therefore, customers’ financial information collected by a business will not be prone to system breaches. The implications of information breaches are severe and can lead businesses to bankruptcy. CardX merchant services offer extensive protection in this regard.

Integrations
CardX has not integrated any third-party software or tools to enable its service. The service’s system is intuitive and highly functional, integrating several payment points and enabling the business to have access through a unified platform.

Ease of Use
CardX offers various features that enable an easy-to-use service. The software is entirely free and no upfront payments are taken. Businesses can simply acquire the service by signing up on the CardX website, without the need of purchasing servers or paying for hosting.

Once an account is set up, the business owner can access the dashboard to review extensive information regarding their business’s financial activities. Transaction figures can be sorted by day, week, month, quarter, and year. Sales statistics can be viewed from the CardX terminal, the virtual terminal, and the Lightbox. A sales report can be generated to make informed decisions.

Features
  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
Pricing Options Automations
Features
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Annual Subscription
  • One-Time License
Sales Channels
Features
  • Instore Sales
  • Online Sales
  • Mobile Sales
Verdict

While some advanced features of merchant service remain missing in CardX, when compared to other merchant service providers, CardX offers efficient and reliable service at zero credit card processing fee and maximum compliance. The platform is intuitive and easy to use that expert consultation and hiring would not be required. Rather, inexperienced team members will also be able to operate the service to initiate transactions when needed.
Moreover, the requirement for nearly no upfront costs enhances the value propositions of the service. The research performed for this review also reveals that the company is yet to receive any complaints regarding its customer service. Similarly, no complaints were identified concerning a difference in the marketing of the service and the final product. Therefore, the lack of experience has not stopped CardX from providing premium and high-quality services to its customers.

Murad Jaffery
Author: Murad Jaffery
Murad Jaffery is a chartered accountant specializing in the field of accounting and finance. He has been writing on these areas for nearly a decade, and is also an accounting tutor. He holds master’s degrees in accountancy and English literature. Murad enjoys traveling and reading.
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