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.
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.
Setup Fee: $0
Monthly Fee: Variable
Swipe Rate: Variable
Keyed-in Rate: Variable
Early Termination Fee : Liquidated Damages
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.
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.
Pleasant Grove, UT
Robert Cortopassi - Senior VP & General Manager
Merchant Provider Risk Tolerance
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
Discloses All Important Terms
Public Pricing Available
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.
Tiered PricingFlat Rate
Mobile Payment Rate
Virtual Terminal Rate
Payment Gateway Fee
Early Termination Fee
PCI Compliance Fee
$99 Per Year
Equipment Lease Terms
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
XCharge appears to offer a three-year contract through Global Payments with a liquidated damages early termination fee.
Early Termination Fee
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.
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