Here's a Quick Summary
As an established payment processing company with headquarters in Chicago, US, and owned by Stax, CardX provides merchant services to not only businesses but also government agencies and educational institutions. The company has already served more than five thousand customers so far and, at the moment, more than two hundred institutions are benefitting from its technology. Even if it’s a relatively new player on the market, CardX has already established a strong reputation among merchants, especially thanks to its zero surcharge cost for accepting credit cards. Here is what you need to know about CardX!
Why Choose CardX
As a business, educational institution, or government agency, you should choose the CardX payment processing services because they are incredibly easy to use and comprehend. Apart from that, the highly-attractive zero surcharges on credit card payments make the company stand out among its competitors, even if it’s relatively new on the market. Moreover, CardX is the perfect choice if you want an intuitive and simple system to help you process payments and do not want to overcomplicate your existence with advanced merchant features that you may not even use.
What CardX Offers - Features and Functionality
CardX prefers a more simplistic approach to payment processing. This is why its wide range of features are simple yet very efficient, especially for a small or medium-sized business. Here is a look at what the company can offer in terms of features that could help you develop and process payments quickly and easily:
Features and Uses
- POS terminals: it’s worth noting that the POS terminals that CardX uses to provide its payment processing services are from major companies such as Verifone. Regardless of the type of business you run, you can use these terminals at sales points to facilitate card processing. As a business, you can easily accept credit or debit card payments, virtual transfers, and even web payments. There are also two methods to choose from which are the in-person and in-office ones;
- Online payments: there are instances when customers are simply not present physically to make a payment which happens with e-commerce stores and businesses. In that case, CardX offers the possibility to process online payments easily and safely, regardless of where in the world the customers are. The payment gateway offered by this company is the solution for this as it will allow you as a business to have full control over all the steps involved in the process of online payment. Also, there is no PCI exposure with the CardX gateway and the whole interface is user-friendly and intuitive;
- Government and Education: the government plus education feature offered by CardX is specifically aimed at government agencies and educational institutions that need to be able to process card and online payments. Thanks to the highly-advanced technology employed by this company, any card will be read and processed within seconds. Plus, these types of agencies will not have to support the costs of these transactions. Instead, the clients are the ones paying for everything;
- Business payment processing: for businesses that want to be able to process payments easily, this is possible through CardX for credit and debit cards. Plus, customers will be the ones bearing the costs of these transactions depending on which option they pick. Also, cash discounts can only be used by businesses that are compliant which means that the shelf price needs to also be visible along with the price that applies when customers use a card to make purchases;
- Security: last but not least, CardX counts on financial security above anything else. CardX is a PCI-compliant company that can even prove this by sending a certificate upon request that any business working with them can present to their own customers. At the end of the day, things like fraud represent one of the main reasons why so many businesses are facing bankruptcy;
- Integrations: at the moment, you cannot integrate CardX with any third-party software. However, the company offers an advanced system that can integrate your payment points for easier access.
Plans & Pricing
There are two separate pricing categories that you can pick from when deciding to collaborate with CardX: the card acceptance pricing and the technology pricing. The first one consists of a credit card pricing with a 3.5% customer’s fee but for which you will receive exactly the amount you have on your credit card in your account, meaning 0%. For debit cards, you will have to pay 1% + $0.25 but with a zero percent customer’s fee.
The technology pricing category comes with three packages. The first one is the In-Person one with a $35 per month fee and comes with a custom terminal. The second one is the In-Office one with a monthly fee that starts at $29. The last is the Online package which comes with the Lightbox payment gateway and a virtual terminal that begins at $29 per month.
Ease of Use
CardX is a cloud-based payment processing platform that makes it easier for businesses to accept and process payments, either online or in person. The software is completely free and there is also no flat rate involved which means that starting out is a piece of cake even if you are inexperienced. Plus, you will not have to pay anything for hosting or installing complex servers to use the system.
After setting up your account and logging in, you will discover that the CardX dashboard is intuitive and user-friendly. You will be able to see all of your transactions from one single place along with your sales statistics, the payment gateway, and even the virtual terminal. This company aims to streamline payment processing for businesses of all sizes and to make the whole process fast and easier to grasp, even for people who lack the experience to do so. What is also worth adding is the possibility to use the demo version for the CardX software just to make sure that it could suit your needs and preferences before moving on to the real thing.
Customer Support
Any client can benefit from customer support from CardX by sending an e-mail to support@cardx.com or by calling (877) 885-2097. Apart from these contact possibilities, you can also fill out a contact form on the official website with your details and the issue that you have. You will be soon contacted by a representative who will help you. There is also the possibility to use the live chat bubble on the website and discuss your situation with a representative.
In case you want more information, the CardX website also has a resource section where you can find useful insights and news about the industry. Moreover, there is an interesting FAQ section where you may find the solution to your possible problem without having to contact the company. Last but not least, the address of the physical CardX headquarters is 401 N. Michigan Ave., Suite 1610, Chicago, IL.
Contract Terms
Unfortunately, there isn’t enough information on the official CardX website regarding any contract terms that may be involved in collaborating with the company. However, from what we could gather, CardX doesn’t work with long-term contracts but this doesn’t necessarily mean that there aren’t any early termination fees involved. The best way to find out these details is to contact the company directly and ask about any contract terms that may interest you so you can avoid paying unwanted fees or any undesirable outcomes.
When it comes to trustworthiness, CardX is up there with the best companies. It has an A+ rating from the Better Business Bureau and over the past three years has not received any formal complaints.
Conclusion
All in all, CardX is worth checking out as a simple yet efficient and trustworthy payment processing system for your business. While it may lack some more advanced merchant features, the company does offer enough to be interesting and useful. It doesn’t have big fees, it provides a safe and secure way of processing payments, it has a lot of pricing options to pick from, and it comes with an intuitive and easy-to-use dashboard. Plus, the fact that there is a demo version that you can try for free and that you won’t have to pay upfront fees is a big advantage over its competitors.