“CARDX WEST” IS A REGISTERED ISO OF CARDX™

Sell $100, see $100.

Zero cost on credit cards. Simple, transparent pricing.

Accept
Credit Cards
Accept
Debit Cards

When customers choose a credit card, they also cover the fee.

At the time of purchase, CardX informs the customer of the fee amount, and always gives the option to pay with a no-fee method. You receive 100% of the amount of your sale.

When customers choose a debit card, they pay no fee, keeping you compliant.

Your customers always have a no-fee payment option. To comply with the rules, CardX automatically detects when a debit card is entered and applies no fee. You pay only the low cost of debit card acceptance.

Where CardX Works: There’s a CardX solution for every way you accept cards.

In Person
In Office
Online

Terminal

Virtual Terminal

  • Complete an order in just a few clicks.
  • No equipment required, no software to install, no special expertise needed.

Lightbox

  • Customers pay seamlessly on your website, without being redirected away.
  • 100% secure. No PCI exposure. Beautifully designed.

CardX Terminal: What’s in the box?

  1. Custom Terminal

    Our custom terminal with EMV Quick Chip and the CardX application pre-installed. Plug in the terminal and you’re ready to sell.

  2. Getting Started Guide

    Our visual guide to getting started and completing common operations, such as sales and returns.

  3. Signage

    Tasteful signage for your place of business that keeps customers informed—and keeps you compliant.

  4. Receipt Paper
  5. Ethernet Cord
  6. Power Cord

CardX Serves Leading Companies:
We’re the #1 name in zero-cost transactions.

“CardX has cut out and automated numerous processes for us and made us more efficient. We are able to get deposits/payments quicker than ever and eliminate a lot of the manual work. Not only is the platform itself wonderful, the customer service is impeccable. Anytime we have had a question, we have it resolved usually within hours if not immediately. We expressed interest in having additional features and CardX jumped on that immediately to get those items in the works. They check in appropriately to see if we are having any issues and to make sure we are satisfied. The “switch over” process was seamless and there were no interruptions in our daily activity and our customers find the lightbox link very easy to use. They offered training sessions for all of our users and went through a very detailed “how to” to make sure everyone felt comfortable using the platform on inception day.”

— Lauren Hill
    Aerial Titans

Pricing: No upfront cost and no term contract.

Card Acceptance
Pricing
Technology
Pricing

Sell $100 on a credit card, receive $100 in your account.

You Pay
0%
Your Customer's Fee
3.5%

What do customers see on their credit card statement?

Sell $100 on a debit card, receive $98.75 in your account.*

You Pay
1% + $0.25*
Your Customer's Fee
0%

*Your business's cost on consumer debit cards is 1% + $0.25. Commercial debit cards, because of the higher rate charged by the issuing bank, cost 3.38%.

Key-entered debit transactions on the CardX Terminal do not qualify for the 1% + $0.25 rate. To achieve the 1% + $0.25 rate for key-entry, we invite you to sign up for the Virtual Terminal at no additional cost.

In Person

Custom Terminal with EMV Quick Chip
$35 / month


High-quality hardware isn’t free, but our terminal pricing saves you up to 33% compared to a lease. Best of all, unlike a lease, there’s no long-term commitment: if you ever want to go back to paying credit card fees, you can return our terminal at any time without penalty.

In Office

Virtual Terminal
$0 / month

Online

Lightbox
$0 / month

Why Businesses Choose CardX

Zero Cost

You keep 100% of every credit card sale: when you sell $100, you receive $100. Pay only for debit card transactions.

Fully Compliant

We’re experts so you don’t have to be. Our turnkey solution complies with all the rules and automatically has you covered.

Customer Friendly

CardX passes on the fee for credit card transactions only. Your customers can always choose debit as a no-fee option.

Get In Touch

Fair for Everyone

The Problem

Unless businesses pass on the credit card fee, they have to either raise prices across the board—harming customers who pay with cash or debit—or accept a lower profit margin on credit card sales.

Our Solution

CardX allows customers to pay the fee if they choose a credit card for convenience or rewards, or to use a low-cost debit card with no additional fee.

Availability

CardX serves businesses in 44 states plus the District of Columbia.
CardX does not yet serve businesses in CO, CT, MA, ME, OK, and KS.
CardX is available in New York and Texas, and additional terms apply.

For more information on where CardX is available, visit our Compliance page.

Looking for Our Government + Education Solution?

CardX offers a forward-thinking solution tailored to eligible institutions.

Learn More
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On the Credit Card Statement

Your customers see one line item on their credit card statement.

Credit Card Statement

On the Credit / Debit Card Statement

Your consumers see two line items on their credit or debit card statement.

Credit / Debit Card Statement

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

California

For Business

For Government

For Education

Colorado

For Business

For Government

For Education

Yes, Colorado education institutions can use CardX. Only state schools are eligible.

Connecticut

For Business

For Government

For Education

Florida

For Business

For Government

For Education

Kansas

For Business

For Government

For Education

Yes, Kansas education institutions can use CardX. Only state schools are eligible.

Maine

For Business

For Government

For Education

Yes, Maine education institutions can use CardX. Only state schools are eligible.

Massachusetts

For Business

For Government

For Education

Minnesota

For Business

For Government

For Education

New York

For Business

Yes, New York businesses can use CardX, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Government

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Education

Yes, New York education institutions can use CardX, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

Oklahoma

For Business

For Government

For Education

Texas

For Business

Yes, Texas businesses can use CardX, so long as they do either of the following:

Disclose the Credit Card Price in dollars and cents whenever they post or quote their prices. See how to make the additional disclosure.

-or-

Pass on the credit card fee when customers pay online or by phone, but only if the business also accepts credit cards in person and applies no fee to card-present payments.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Government

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

For Education

  1. Yes, Texas Higher Education institutions can use CardX.
  2. Texas K-12 schools can also use CardX, so long as they do either of the following:
    1. Pass on the credit card fee when customers pay online or by phone, but only if the K-12 school accepts credit cards in person and applies no fee to card-present payments. or
    2. Disclose the Credit Card Price in dollars and cents whenever they post or quote their prices. See how to make the additional disclosure.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”