XCharge Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

XCharge suits businesses that need strong security protocols and a fully integrated system. Typical customers include eCommerce, retail, restaurants, professional offices, health clubs, mail order houses, and telephone fulfillment centers.

Specializes in

XCharge specializes in providing a bank terminal system that runs on Microsoft windows. Its capabilities include credit card processing, check approvals, ATM/debit card transactions, gift card processing, automated fault tolerance and merchant accounts. This processor also uses advanced security features to protect data and prevent fraud.

Pricing Summary

Setup Fee: $0

Monthly Fee: Variable

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : Liquidated Damages

Contract Terms:

3 Years
Visit XCharge

Founded in 1983, XCharge bases its operations in Pleasant Grove, Utah. XCharge is registered with HSBC Bank, National Association of Buffalo, New York, Wells Fargo Bank and Synovus Bank. XCharge prides itself on reliability and the versatility to service virtually any type of business.

XCharge Overview


Some confusion is created by an ongoing transition from doing business under the XCharge brand to the OpenEdge brand; They are one in the same. This company also does business under the Accelerated Payment Technologies brand.

XCharge has been in business since 1983 but appears to have been acquired by Global Payments in August 2012. Much of the XCharge website has been updated with OpenEdge branding, suggesting XCharge now operates under the OpenEdge umbrella.

Quick Facts

Head Quarters

Pleasant Grove, UT

Year Founded



Robert Cortopassi - Senior VP & General Manager



Merchant Provider Risk Tolerance

What We Like

Zero setup fee.

Domestic telephone support during business hours.

Documentation knowledge base available.

Best for businesses that need strong security protocols.

Provides a fully integrated system.

What We Don't Like

Early termination fee.

Three year contract term.

Public pricing is not available.

Does not disclose all important terms.

PCI compliance fee.

Industries Served

  • Accounting & Tax Prep
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Legal
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

XCharge Products & Services


XCharge's core business consists of virtual terminal software for eCommerce, telephone and mail-in sales. Many online businesses are happy with just the virtual terminal, but XCharge also offers in g primarily markets their virtual terminal software, they also provide enough other services to allow you to accept credit cards and manage your business. Offerings include the following:
- Merchant accounts
- Payment gateway/virtual terminal
- Offline payment processing
- Credit card terminals
- Point-of-Sale (POS) systems
- Mobile payments
- eCheck (ACH) processing
- PCI Compliance
- Developer tools

XCharge Payment Processing

  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

XCharge Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing

XCharge Advertising & Sales

XCharge appears to rely on paid-by-commission independent agents to market its services. This practice is common within the merchant services industry and is often a major cause for complaints among small business owners. In this case, we are able to locate a handful of negative XCharge reviews that accuse one of the company’s sales reps of misrepresentation or nondisclosure of rates. We have also found documents online that indicate that at least two lawsuits have been filed against the company by former sales agents, and these documents seem to suggest that these former employees feel they were denied appropriate compensation for their services.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


XCharge Pricing, Rates & Fees


Like many providers, XCharge doesn’t disclose any pricing information on its website. There are two reasons for this. First, pricing is customized to each merchant. There are no standard fees that apply to every merchant using XCharge. Second, all fees and rates charged for merchant accounts are paid to Global Payments, not XCharge. When you sign up for XCharge, your Merchant Application is actually through Global Payments. XCharge is listed as a third-party software vendor.

Pricing at a Glance

Pricing Model

Tiered PricingFlat Rate

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Liquidated Damages

PCI Compliance Fee

$99 Per Year

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

XCharge Contract & Terms

XCharge appears to offer a three-year contract through Global Payments with a liquidated damages early termination fee.

Contract Length

3 Years

Early Termination Fee

Liquidated Damages

XCharge Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

XCharge Complaints, Ratings & Reviews

XCharge (as OpenEdge Payments, LLC) have been accredited with the Better Business Bureau since January 2012 and is currently showing a grade of “A+" with 27 complaints in the last 36 months. 9 of these complaints were related to the product or service and 18 had to do with billing and collection issues. XCharge resolved 5 complaints to the satisfaction of the merchant, while the remaining 22 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.



A+(27 complaints)




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Total Online Reviews


Total Online Complaints




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