CardX Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

It's appropriate for small and medium sized businesses in the B2B, government, and education sectors.

Specializes in

CardX specializes in online payment integration through customer's websites, virtual terminals, and customized POS terminals.

Pricing Summary

Setup Fee: $0

Monthly Fee: $0

Swipe Rate: 1% + $0.25

Keyed-in Rate: 3.38%

Early Termination Fee : Variable

Contract Terms:

No Contract Required
Visit CardX

CardX is based out of Chicago, Illinois, at 401 N Michigan Ave #1610, Chicago, Illinois 60611. It opened it's doors in 2013 and does not list it's acquiring bank on their website. Jonathan Razi is the CEO of CardX. Upon reviewing their website and business, it does not document whether it is an ISO/MSP. The biggest draw for CardX is it's advertised zero fees (surcharge) pricing model, which is aimed towards institutions and merchants to reduce net fees for payment processing. It promotes a "zero net fee" perk.

CardX Overview


Upon reviewing CardX's website, it claims that merchants keep 100% of every credit card sale, and you pay for only transactions run through a debit card. In addition to the competitive zero fees (surcharge) pricing model, their business is fully compliant with all rules and has you covered. In their pricing structure, merchant's customers are charged a surcharge on credit card transactions. This surcharge is said to help offset the merchant's payment processing costs. This can result in almost free credit card processing but does introduce some drawbacks.

Potential liability may include customers resenting fees added to their credit card purchases. Under legal ramifications, CardX is unable to add surcharges on debit cards. Merchants can expect to pay 1% plus $0.25 on qualified swiped debit transactions and 3.38% on commercial debit card transactions. There is also a $35 monthly fee for a countertop card reader.

With that being said, there are no red flags that pop up with this pricing structure. One key factor to note is that the standard contract length and early termination fees are unknown. With this information, this pricing structure still makes CardX competitive amongst competitors within its industry. An in-depth review of its BBB profile shows an overall positive reputation with 0 customer complaints.

Quick Facts

Head Quarters

Chicago, IL

Year Founded



Jonathan Razi



Merchant Provider Risk Tolerance

What We Like

Zero setup fee.

No monthly fee.

No contract required.

Low monthly equipment lease amount.

Domestic telephone support during normal business hours.

What We Don't Like

Variable early termination fee.

The pricing model is not available in all states.

Charges credit card processing fees to customers.

Standard contract length is unknown.

PCI compliance fee varies.

Industries Served

  • Accounting & Tax Prep
  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mom & Pop
  • MOTO
  • Retail / Card Present
  • Wholesale

CardX Products & Services


CardX offers various products and services to help fit any business need.

Hardware & Software

  •   POS System: Offers a custom terminal with an EMV Quick Chip and the CardX application pre-installed.

  •   Online: CardX provides a Lightbox, allowing merchants' customers to pay directly on the merchant's website without being redirected.

Value-Added Services

  •   Terminal Sales: CardX offers a countertop terminal at $35 monthly with no long-term commitment or lease. The terminal can be returned at any time without paying a penalty.

Supported Payment Types / Services

  •   Debit and Credit Cards

CardX Payment Processing

  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

CardX Billing & Invoicing

  • Billing Portal
  • Mobile Payments
  • Online Payments
  • Payment Processing

CardX Advertising & Sales

Upon review of the CardX website, it appears to market its services using in-house staff. It does not provide any information regarding independent sales agents. There are no complaints or reviews that outline the use of such agents or deceptive advertising strategies. No complaints have been cited on the BBB website.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


CardX Pricing, Rates & Fees


CardX does list some prices on their website to use their technology and card acceptance pricing for basic businesses. It uses a zero fee (surcharge) pricing model.

For card acceptance pricing, merchants pass on the credit card fee to their customers at 3.5%. However, when the customer is billed, it shows one single line. Qualified debit transaction rates are 1% plus $.25. Commercial debit card rates are 3.38%. It also charges $35 monthly for a countertop card reader that can be returned at any time without a fee. Monthly statement fees, early termination fees, and PCI compliance fees are variable.

For education institutions and government businesses, the pricing model looks somewhat different. The institution can expect to pay $0 monthly for both the virtual terminal and lightbox for technology pricing. For card acceptance pricing, CardX outlines that the institution can pick the types of fees it pays. The service fee ranges from 0.75%-3.99% with a $1.99 minimum based on the type of card.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

1% + $0.25

Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


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


CardX Contract & Terms

The company offers the following as a standard contract:

  • Contract Length: Undisclosed

  • Early Termination Fee: Variable

Contract Length

No Contract Required

Early Termination Fee


CardX Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

CardX Complaints, Ratings & Reviews

CardX opened a profile with the Better Business Bureau in April of 2018. It currently sports an A+ rating with the BBB and is not an accredited business. There are 0 customer reviews and 0 customer complaints, which prevents it from being scored on the website. No issues relating to advertising, sales, product, and service problems, or any complaints have been identified.



A+(0 complaints)








Total Online Reviews


Total Online Complaints




CardX Alternatives


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