Charge.com is an online merchant account provider and credit card processor that enables you to process credit cards on your website or for eBay sales in real-time. In addition, Charge.com provides customers with a manual credit card processing option, so merchants can enter phone or mail order transactions securely and easily via their web browser. Charge.com approves businesses in most every industry, including home-based business owners, mail or phone order companies, restaurants, online business owners, service-based businesses, retail businesses and professional providers.
Charge.com will also work with new business owners and does not require that you have a formal business set up as a corporation or other entity in order to sign up and begin accepting credit cards.
Lowest Prices for Credit Card Processing
There are three options for credit card processing with Charge.com: eCommerce Software, Virtual Terminal, or Electronic keypad terminal. Charge.com face to face merchants pay as low as 1% for retail and 1.79% for both Internet or mail order merchants discount rates. The transaction fee is as low as 15 cents for any transaction. Checks may be processed for as little as 5 cents per check.
Security and PCI Compliance
Charge.com provides a military grade, 128 bit SSL certificate to all merchants, so they can accept credit cards securely online via their websites. All software and equipment used by Charge.com is PCI Compliant as required by credit card companies.
Account Services Provided
Charge.com is a full service merchant account and credit card processing provider. They have solutions for all business types, whether you operate primarily online or via a physical retail location.
- eCommerce Accounts: The majority of Charge.com customers are online merchants and rely on the eCommerce accounts to accept payments on their website. Your customer website orders are processed in real-time and automatically. If the credit card is approved for payment, merchants receive the funds within two to three business days.
- Virtual Terminal: You can manually enter customer payment details into a web-based form to process phone, mail or in-person orders. The Virtual Terminal solution will generate an invoice you can print, and allow you to set up a payment plan or monthly subscription.
- Retail Accounts: Retail businesses using Charge.com get a free credit card terminal to swipe credit cards for payment. The reader and printer uses thermal paper so you do not need to replace ink. If at least 70% of your customer sales are swiped-transactions, you will qualify for a lower discount rate.
- Wireless/Mobile Accounts: Charge.com customers with iPhone or iPads, Blackberry or Android phones can use their own devices to swipe credit cards to accept payment from customers. This service is ideal for door to door service providers, flea market vendors or transportation providers.
Accepted Forms of Payment and Other Services
- All major credit cards (Visa, MasterCard, American Express, Discover)
- Checks by web, fax, or phone
- Free eCommerce shopping cart and online payment processing software to accept credit cards on your website
- Web-based Virtual Terminal to manually enter customer payment details
Bottom Line
Getting started with Charge.com for credit card processing requires a quick and easy sign up process that involves no complicated paperwork; no set up fee or application fee. They also offer same-day processing, which means you can be up and running and accepting credit cards from your customers in one day.
