AdvoCharge Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Low to standard-risk businesses, especially those that are members of the Boulder Chamber of Commerce will receive a 10% off of already competitive prices.

Specializes in

AdvoCharge seems to specialize in businesses in the Boulder, Colorado area, although they work with businesses all around the U.S. and Canada. They especially prioritize franchises and associations, non-profits, and eCommerce businesses.

Pricing Summary

Setup Fee: None

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : None

Contract Terms:

Visit AdvoCharge

AdvoCharge is a merchant account provider headquartered in Boulder, Colorado that works for businesses in both the United States and Canada.

The company offers a 10% discount to businesses that are members of the Boulder Chamber of Commerce.

Mark Tracy is the current CEO as well as one of the co-founders.

AdvoCharge Overview


AdvoCharge is headquartered in Boulder, Colorado, and works with many businesses in the area, even extending a 10% discount to businesses that are part of the Boulder Chamber of Commerce.

The company is relatively young, having been in business for about twelve years.

Even though they specialize in local businesses, they serve all kinds of businesses throughout the U.S. and Canada. They seem to mostly deal with low or standard-risk businesses. Their website states they work the best with franchises and associations, non-profits, and eCommerce.

The company offers very competitive pricing and excellent contract terms. Customers can choose one of two services: ZING, which is their zero-fee-based plan, or Wave, which is a standard processing plan.

Both plans include cash discounts, where customers can get a 4% discount on their price by using cash instead of a credit or debit card.

AdvoCharge states transparency as one of its core values, and its pricing and contract terms are very competitive for the industry.

Quick Facts

Head Quarters

Boulder, Colorado

Year Founded



Mark Tracy



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Hunting & Outdoor Equipment
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Retailers
  • Telemedicine
  • Thrift Store
  • Wholesalers

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business

AdvoCharge Products & Services


Hardware and Software

AdvoCharge offers two different services for companies: ZING and Wave.

ZING is a zero-fee processing service that passes a 4% upcharge onto customers to pay for card processing.

Wave is a standard card processing service.

Both services include a cash discount and other features like recurring billing and charge protection.

AdvoCharge also offers physical equipment like EMV swipers and POS systems. It appears the brand they mainly offer is Clover, both the Clover Station and the Clover Mini/Mobile.

Value-Added Services

Some additional services available through AdvoCharge include eSignatures, next-day funding, 24-hour application approval, and integration in QuickBooks.

Supported Payment Types and Services

AdvoCharge is a merchant account that processes all cashless transactions including credit card, debit card, check, online and mobile payments, and gift cards.

They process all types of cards including:

American Express

They also provide payment gateways and virtual terminals.

Advertising and Sales

AdvoCharge uses an in-house team and online marketing to advertise and sell its product.

Unlike many merchant account providers, they do not use independent sales teams which can have problems like aggressive sales techniques and misrepresenting contracts.

There are no online complaints about their advertising or sales methods.

AdvoCharge Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Signature Capture
  • Virtual Terminal

AdvoCharge Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

AdvoCharge Advertising & Sales

AdvoCharge uses an in-house team and online marketing to advertise and sell its product.

Unlike many merchant account providers, they do not use independent sales teams which can have problems like aggressive sales techniques and misrepresenting contracts.

There are no online complaints about their advertising or sales methods.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


AdvoCharge Pricing, Rates & Fees


AdvoCharge offers very competitive interchange-plus pricing. This is considered the most transparent in the business.

Rates will vary depending on the nature of the business and the other details surrounding the card interaction. Rates are advertised to be between 1% and 4.99%.

The company seems to pride itself on being very transparent in its pricing with no hidden fees. There are no cancellation fees, no monthly or annual fees, and no setup fees. They have a $0.00 PCI Compliance buy rate, which means their customers can negotiate their PCI Compliance fees down to zero.

If you choose their ZING plan, you can take advantage of zero-fee card processing. This business model passes the costs of credit card processing onto the customer in the form of a 4% fee on credit or debit card transactions.

On the flip side, customers can get a 4% discount on cash transactions.

Businesses that are members of the Boulder Chamber of Commerce will enjoy a 10% discount on already competitive rates.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


AdvoCharge Contract & Terms

AdvoCharge offers month-to-month contracts with no cancellation or setup fees.

Contract Length


Early Termination Fee


AdvoCharge Setup & Support


AdvoCharge does not charge a setup fee. They offer an online application with 24-hour approval.

They do not appear to outsource their support but they also conduct most of the customer support through email with no support number available on the website.

There are no complaints about their customer service, but not having a phone number is a concern in this area.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

AdvoCharge Complaints, Ratings & Reviews

BBB Rating

AdvoCharge has a non-accredited Better Business Bureau account and is currently earning an A+ rating there.

There are no reviews on the profile and no customer complaints. It states they have been in business for twelve years.

Other Online Reviews

There are very few online complaints about AdvoCharge. Ideally, this means the company is doing a good job keeping customers happy.



A+ but is not BBB Accredited. (0 Reviews; 0 Complaints)


5 Stars / 1 Review


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5 Stars / 1 Review


Total Online Reviews


Total Online Complaints




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