Charge.com Payment Solutions, Inc.
- Company typePrivate
- Founded1995
- HeadquartersPlantation, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Charge.com Payment Solutions, Inc. firmographics
Firmographics- Name
- Charge.com Payment Solutions, Inc.
- Legal name
- Charge.com Payment Solutions, Inc.
- Website
- https://charge.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Charge.com Payment Solutions, Inc. industry classification
Industry- Product category
- Merchant Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
Keywords
Where Charge.com Payment Solutions, Inc. is headquartered
LocationHeadquarters
- HQ city
- Plantation
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Charge.com Payment Solutions, Inc. business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Credit Card Processing Fees: Charge.com charges a discount rate of 1.79% plus $0.15 per transaction for its own merchant accounts. This is a transaction-fee model where revenue is earned on every credit/debit card payment processed. For high-risk merchants and ACH/eCheck processing, custom quotes are provided. The company competes by positioning its rates significantly lower than third-party processors (which it states charge 5%+ and $0.50 per transaction).
- ACH / eCheck Processing: ACH and electronic check processing services offered primarily to high-risk merchants who cannot qualify with other processors, with same-day funding. Pricing is custom-quoted based on merchant profile and transaction volume.
- ERC Tax Credit Referral: Charge.com refers merchants to an external partner for Employee Retention Tax Credit (ERC) claims. The company earns referral fees for directing merchants to the partner's ERC application service, which has a claimed 96%+ success rate.
- Affiliate / Reseller Program: Charge.com operates an affiliate program and ISO/reseller program for eCheck and merchant account resellers, allowing third parties to resell Charge.com's processing services under revenue-sharing arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Direct Merchant Account — Standard Processing |
| Transaction based/ take rate | Pay-as-you-go | Low-Cost / Competitive Rate Tier |
| Transaction based/ take rate | Pay-as-you-go | High-Risk ACH / eCheck Processing |
| Transaction based/ take rate | Pay-as-you-go | High-Risk Merchant Accounts |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Charge.com Payment Solutions, Inc. product offering
Product offeringCore offering
Charge.com Payment Solutions, Inc. is a merchant services provider that enables businesses to accept credit card and electronic check payments through retail, online, mobile, and mail-order/telephone channels. Operating as a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., it provides merchant accounts, a payment gateway, virtual terminals, POS hardware, ACH/eCheck processing, and free website integration support. The company specializes in serving high-risk merchants and businesses that have been turned down by mainstream processors, offering 24-48 hour approvals and same-day ACH funding.
Product overview
Charge.com Payment Solutions, Inc. is a payment processing services provider founded in 1995, offering a comprehensive suite of merchant account solutions. The core product portfolio includes Retail Merchant Accounts (for brick-and-mortar stores with POS terminals from Hypercom, VeriFone, Nurit, and Ingenico), Internet/E-Commerce Merchant Accounts (for online businesses with payment gateways and virtual terminals), Wireless/Mobile Processing (for on-the-road businesses), Mail & Phone Order Accounts (with virtual terminal for MOTO transactions), High Risk Merchant Accounts (for businesses with challenging profiles), ACH/eCheck Processing (with same-day funding), and High Volume Merchant Accounts (for businesses needing increased processing limits). The company provides its own payment processing gateway as the central technology platform connecting all these services, with additional free offerings including shopping cart software and credit card terminals for qualifying merchants.
Differentiator
Problem solved
Functional benefit
Products and services
- Retail Merchant Accounts Merchant accounts designed for brick-and-mortar retail businesses, providing physical POS terminals for in-person credit and debit card processing, including free terminals and support for all major card types (Visa, MasterCard, Discover, American Express).
Quantifiable outcome
- Merchants report 50-500% or more increase in sales after accepting credit cards
- +4 more outcomes
Companies that use Charge.com Payment Solutions, Inc.
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles3 records
Charge.com Payment Solutions, Inc. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
Charge.com Payment Solutions, Inc. partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Wells Fargo Bank, N.A.coreCharge.com Payment Solutions, Inc. is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., Concord, CA. Wells Fargo issues the merchant accounts, provides FDIC insurance for deposited funds, and serves as the banking partner enabling Charge.com's payment processing services. This is a core regulatory and banking relationship that underpins the entire business model.
- ERC Specialists (ercspecialists.com)minorCharge.com refers merchants to an external partner, ERC Specialists (ercspecialists.com), for Employee Retention Tax Credit (ERC) applications. The partner claims a 96%+ success rate. Charge.com earns referral fees for directing merchants to this service. The referral link on the Charge.com site directs to ercspecialists.com with tracking parameter.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Charge.com Payment Solutions, Inc. competitors and assessment
Company assessmentDirect peers
- National Processing: National Processing is a payment processor and ISO offering merchant accounts, gateway, POS, and high-risk processing for SMBs. It directly overlaps with Charge.com's product portfolio across standard and high-risk merchant segments.
- PaymentCloud: PaymentCloud specializes in high-risk merchant accounts, serving the same adult, supplements, firearms, and bad-credit merchant segments that Charge.com targets. It is the closest direct competitor in the high-risk ISO niche.
- Dharma Merchant Services: Dharma Merchant Services is an ISO providing credit card processing for SMBs and hard-to-place merchants, with interchange-plus pricing and a focus on customer service. It competes with Charge.com for SMB merchants seeking transparent, low-cost processing.
- Authorize.Net: Authorize.Net is a payment gateway service used by SMBs and online merchants to process credit card and eCheck transactions. It is one of the most direct competitors to Charge.com's payment gateway and virtual terminal offering for e-commerce merchants.
- Host Merchant Services: Host Merchant Services is a payment processor and ISO targeting SMBs with transparent interchange-plus pricing, gateway, and merchant accounts. It competes directly with Charge.com for SMB merchants seeking low-cost card processing.
- Stripe: Stripe is a leading integrated payment processor serving online businesses of all sizes with developer-first APIs, gateway, and merchant acquiring. It competes directly with Charge.com for online merchants needing payment gateway and merchant account services, though Stripe targets mainstream rather than high-risk merchants.
- Durango Merchant Services: Durango Merchant Services is a high-risk merchant account specialist offering credit card and ACH processing to merchants declined elsewhere. It is a focused direct peer to Charge.com's high-risk ACH/eCheck and card processing offerings.
Broad incumbents
- Heartland Payment Systems (Global Payments): Heartland Payment Systems, now part of Global Payments, is a large established acquirer and ISO providing card-present, card-not-present, and gateway services to SMBs and enterprise. It competes with Charge.com for SMB merchant accounts, though at much larger scale.
- PayPal: PayPal is a broad incumbent in online payments and SMB merchant processing, offering gateway, checkout, and merchant account services. It competes with Charge.com for SMB and e-commerce merchants, particularly via PayPal Payments Pro and Braintree.
- Square (Block): Square provides integrated payment processing for retail, mobile, and online SMBs with hardware terminals, software, and merchant acquiring. It competes with Charge.com across retail card-present, mobile, and online segments, though it does not specialize in high-risk merchants.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Charge.com Payment Solutions, Inc. social profiles
Digital presenceCharge.com Payment Solutions, Inc. compliance and trust
Trust signalCompliance2 records
Charge.com Payment Solutions, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Charge.com Payment Solutions, Inc. leadership team
Management profileNumber of profiles
Charge.com Payment Solutions, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Charge.com Payment Solutions, Inc. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Charge.com Payment Solutions, Inc.
What does Charge.com Payment Solutions, Inc. do?
Charge.com Payment Solutions, Inc. is a merchant services provider that enables businesses to accept credit card and electronic check payments through retail, online, mobile, and mail-order/telephone channels. Operating as a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., it provides merchant accounts, a payment gateway, virtual terminals, POS hardware, ACH/eCheck processing, and free website integration support. The company specializes in serving high-risk merchants and businesses that have been turned down by mainstream processors, offering 24-48 hour approvals and same-day ACH funding.
Is Charge.com Payment Solutions, Inc. a public or private company?
Charge.com Payment Solutions, Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Charge.com Payment Solutions, Inc. founded?
Charge.com Payment Solutions, Inc. was founded in 1995. It employs 1 to 10 people.
Where is Charge.com Payment Solutions, Inc. based?
Charge.com Payment Solutions, Inc. is headquartered in Plantation, United States, in the North America region.
How does Charge.com Payment Solutions, Inc. make money?
Four revenue lines are on record. Credit Card Processing Fees are the primary driver. The others are ACH / eCheck Processing, ERC Tax Credit Referral and affiliate / Reseller Program.
Who are Charge.com Payment Solutions, Inc.'s main competitors?
Direct peers on record are National Processing, PaymentCloud, Dharma Merchant Services, Authorize.Net, Host Merchant Services, Stripe and Durango Merchant Services. Broad incumbents are Heartland Payment Systems (Global Payments), PayPal and Square (Block).
Does Charge.com Payment Solutions, Inc. have an API?
Yes. Charge.com provides a payment gateway API and website API for eCheck processing. The website API allows customers to key in check payments at the merchant's website, while the virtual terminal enables manual keying of check orders taken over the phone. The payment gateway processes credit card transactions in real-time over merchant websites with military-grade 128-bit SSL encryption, fraud screening tools, and instant transaction status feedback. Developer documentation is at www.charge.com/payeezy-api.aspx.
What industry is Charge.com Payment Solutions, Inc. in?
Charge.com Payment Solutions, Inc.'s product category is Merchant Payment Processing. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMABAC, Card-Present Acquirers (Retail & POS Focus). Its NAICS code is 52232 and its SIC code is 6199.