What CDE Solutions does

CDE Solutions, operating legally as CDE Services, LLC and commercially under the CHEXIT™ and goEBT brands, provides payment processing solutions for SMB and mid-market retail merchants, with particular specialization in EBT/SNAP benefit acceptance, OTC/health benefit card processing, and conventional credit/debit transactions. Its flagship CHEXIT platform is an Android-based, Wi-Fi-enabled payment stack delivered through three primary modules — a Standalone Terminal, a modular Point of Sale (POS) system, and a Developer API Kit — augmented by specialized solutions for Benefit Acceptance, OTC & Healthy Foods, Age Verification, Digital Coupons, and Gift & Loyalty programs. The unified architecture allows merchants to process multiple payment types through a single system, reducing checkout complexity and enabling acceptance of government and health benefit programs that many general-purpose processors do not natively support. The company is registered as an Independent Sales Organization (ISO) of Wells Fargo Bank, Citizens Bank, and Pathward, providing the regulatory standing and banking rails required to process payments, and maintains direct integration with the S3 Network for real-time health benefit card acceptance. CDE Solutions monetizes primarily through transaction-based fees on merchant payment volume, charges flat rates for EBT processing and competitive rates for health benefit processing on monthly billing cycles, and distributes through direct sales, an ISO/banking partner channel, and self-serve merchant signup. The company claims more than 27,000 merchants and over 30 years of industry presence, but discloses no revenue, headcount, or funding data, suggesting a bootstrapped, founder/management-operated private business.

Name

CDE Solutions

Legal name

CDE Services, LLC

Website

https://chexit.com

Company type

Private

Operating status

Operating

Short description

CDE Solutions (CHEXIT/goEBT) provides payment processing for SMB and mid-market retail merchants, specializing in EBT/SNAP, OTC health benefits, and unified credit/debit acceptance via Android terminals, POS, and developer APIs as a multi-bank registered ISO.

Ownership category

akta.pro rank

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel

Revenue model

1. Payment Processing Fees: Transaction-based fees charged to merchants for processing credit cards, debit cards, EBT, and other payment types. Pricing mentioned as 'flat rate' and 'competitive one-monthly fee' for EBT transactions.
2. Insurance/Health Benefit Processing: Fees for processing OTC and health benefit cards through the S3 Network, allowing merchants to accept Medicare Advantage and other health benefit allowances

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

CDE Solutions provides merchants with an all-in-one payment processing platform branded as CHEXIT, unifying credit/debit card acceptance, EBT/SNAP benefit processing, OTC and Medicare Advantage health benefit card acceptance, age verification, digital couponing, and gift/loyalty programs. The offering is delivered through standalone payment terminals, a modular point-of-sale system, and a developer API kit, operating as a registered Independent Sales Organization (ISO) of major U.S. banks to serve retail merchants nationwide.

Product overview

CDE Solutions operates under the CHEXIT™ brand, offering a unified all-in-one payment platform designed for merchants and developers. The portfolio centers on the core CHEXIT platform, which provides three primary product modules: Standalone Terminal, Point of Sale (POS), and Developer Kit. These integrate with specialized solutions including Benefit Acceptance (SNAP/EBT processing), OTC & Healthy Foods (insurance benefits), Age Verify, Digital Coupons, and Gift & Loyalty Solutions. The platform is branded and marketed as CHEXIT while the parent company CDE Services, LLC provides the underlying payment infrastructure as a registered Independent Sales Organization.

Differentiator

Problem solved

Functional benefit

Brands

• CHEXIT: All-in-one payment solution platform offering standalone terminal, point of sale, and developer kit for seamless payment processing including credit/debit, EBT, insurance benefits, and OTC payments.

Products and services

• CHEXIT All-in-One Payment Platform Flagship all-in-one payment solution unifying payment processing, point of sale, benefit acceptance, and developer tools into a single streamlined platform for retail merchants and developers across the United States.
• Standalone Terminal

Quantifiable outcome

• Reduce transaction times and minimize errors for merchants
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• Wells Fargo Bank, N.A.coreChannel Partner/ Reseller/ DistributorCDE Services, LLC is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., Concord, CA, enabling the company to offer payment processing services through the Wells Fargo network and banking relationships.
• Citizens Bank, N.A.coreChannel Partner/ Reseller/ DistributorCDE Services, LLC is a registered Independent Sales Organization of Citizens Bank, N.A., Providence, RI, providing regulatory and distribution partnership for payment processing services.
• Pathward, N.A.coreChannel Partner/ Reseller/ DistributorCDE Services, LLC is registered as ISO of Pathward, N.A., Sioux Falls, SD, enabling additional banking partnership for payment processing solutions.
• S3 NetworkcoreTechnology or IntegrationThe ChexIT app is directly connected to the S3 Network, enabling real-time acceptance of S3 health benefit cards for OTC products, healthy foods, and wellness essentials.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Toast: Toast is a vertically integrated POS and payments platform primarily serving restaurants. Comparable to CDE in providing SMB-targeted integrated hardware-software-payment solutions, though Toast is restaurant-specialized and broader in product scope.
• Stripe Terminal: Stripe offers a developer-first integrated payments platform with Terminal hardware for in-person card acceptance. Comparable to CDE in offering payment processing plus a developer API kit for embedded integrations, though Stripe does not natively specialize in EBT/SNAP or OTC benefit rails.
• Clover (Fiserv): Clover is a major SMB POS and merchant services platform owned by Fiserv, offering integrated hardware, software, and payments. Comparable to CDE in serving SMB merchants with bundled POS + payment processing, though Clover is broader in scope and not specialized in EBT/SNAP or OTC benefit acceptance.
• Heartland Payment Systems (Global Payments): Heartland Payment Systems, part of Global Payments, is a major US payment processor serving SMB and enterprise merchants with POS and integrated solutions. Comparable to CDE on merchant payments and ISO-style distribution, though Heartland is far broader in product scope.
• Block (Square): Square is a leading SMB-focused POS and payment processing platform offering hardware terminals, software, and merchant services. Comparable to CDE on target market (small US merchants) and core functionality (payment acceptance + POS), though Square does not natively specialize in EBT/SNAP or OTC health-benefit card processing.
• Ingenico (Worldline): Ingenico, now part of Worldline, is a major global provider of payment terminals and integrated commerce solutions. Comparable to CDE in providing payment acceptance hardware and processing infrastructure, with comparable reach across retail merchant segments.
• Verifone: Verifone is a leading provider of payment terminals and POS hardware used by merchants worldwide. Comparable to CDE in providing payment acceptance hardware and integrated processing infrastructure for retail merchants, though Verifone is broader and does not specialize in benefit-card rails.
• NCR Voyix: NCR Voyix provides POS hardware, software, and payment processing solutions for retail and hospitality merchants. Comparable to CDE on serving SMB/mid-market retailers with integrated payments, though NCR Voyix is far broader in product scope and customer base.
• PayPal Zettle: Zettle (PayPal's in-person payments arm) offers POS hardware and integrated card processing for SMBs. Comparable to CDE on SMB merchant target and unified POS + payments offering, though Zettle does not specialize in EBT/SNAP or OTC health benefits.

Emerging players

• FreedomPay: FreedomPay is a commerce platform offering integrated payment processing, POS, and value-added services for merchants. Comparable to CDE on unified payments + POS bundling and SMB/mid-market focus, with overlap in serving merchants needing specialized card acceptance and developer-friendly APIs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/goEBT
• YouTubeyoutube.com/channel/UCX8Q8qeJdjoYGBRPUaczZ-w
• Facebookfacebook.com/goEBTsolutions
• LinkedInlinkedin.com/company/6437958

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CDE Solutions