Merchant Credit Card Processing Services

The easiest, most affordable way to accept credit cards for your business

  • Rated #1 Merchant Account Provider Six Years in a Row1
  • Low Cost Guarantee with Rates as Low as 0.25%2
  • No Setup Fees, Free Software & Equipment3
  • Charge.com Has Been Online More than 20 Years

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Check out Our Rave Reviews

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"Charge.com tells you how to accept credit cards & checks online."

- Apple Computer, Inc.
5 Star  (highest rating)

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"No application or setup fees"

- NBC Internet

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"Charge.com... outlines how it works."

- AOL
5 Star  (highest rating)

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"Very low rates, & no application fee."

- Yahoo!

Accept Payments Your Way

Accept credit cards and checks for your business instantly online, in-person, by phone, mail, or fax, all through a single Charge.com account.

Why Us?

Free Software and Equipment3

Choices include FREE payment processing software, FREE terminal, or FREE credit card reader for a computer, smartphone, or tablet.

Our Products

All Merchants are Welcome

Bad credit and high risk merchants are no problem.  No matter what you sell or how you sell it, you can accept credit cards online and offline with us.

Our Pricing

Industry Leading Customer Support

Charge.com offers 24/7/365 live, toll-free phone support.  We are always just a phone call or email away, any time of the day or night.

Contact Us

Charge.com has the perfect credit card processing solution for your business

Are you aware that accepting credit cards can skyrocket your sales by an incredible 50 to 500% or more?

If you don't accept credit cards, you can't compete in today's business environment. Complete our free online signup form to start accepting credit cards now. If you do business online, Charge.com will enable you to accept credit cards on your website (and eBay) in real-time, and we will also give you our simple-to-use, web-based credit card processing virtual terminal so you can easily process phone and mail order transactions manually.

Sign up with Charge.com Now and Get Fast, Free Setup

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"I searched extensively for weeks for the best deal for my own merchant account and Charge.com was it! 

Easy to understand, easy html to paste into my site, and easy on the wallet!"

-- Patrick Brumm, 2 Fires Studios, Inc., Fort Lauderdale, FL

"Thank you for this service. I am most pleased that there is no contract.

But at the rates you guys have I will be a customer forever! I am VERY very happy with the personal phone contact and step by step help. 

I look forward to growing with you."

-- Dr. Sean Thompson, Natural Bodyworks, Parker, Colorado

"Phenomenal! ....Charge.com was extremely quick...my sales are ramping-up well as a result. Happy customers, and an even happier merchant! Thanks for your great support and for the daily contact as we neared the finish line of going online. 

Charge.com gets my 5-Stars."

-- Mark Effinger, ExitPath, Vancouver, WA

“I’ve always thought that accepting credit cards was more trouble than it was worth. I’m happy to say that I was wrong.  

Your company made it quick and easy. Thanks!”

– Marcus Hill, Five Smooth Stones Productions

“After having tried the others, I’m quickly finding out that Charge.com really is the ***BEST*** credit card processing system there is.

I’d like to come back.”  

– John Long, Professional One Limousine

“I was hesitant to accept credit card because I thought it would cause a lot. Some companies were charging more than $300 for the processing software. When I found out that Charge.com offers free credit card payment processing software, I jumped on it.

Now, my sales are up over 400% as compared to last month. You guys are awesome!”

– Michael  Berkowitz, Bravo Rewards | Cherry Hill, New Jersey

“Our Clients are businesses and so we weren’t sure we needed to offer charge cards. Finding Charge.com so easy to use and fair priced made the decision to try it worthwhile.

From the very first day of offering credit card payments our customers loved it, so much so that our prediction of 20% of monthly sales by credit card has become 80%. We get our payment up to 60 days earlier then we used to and this has totally eliminated stressed over cash flow & non-payment. 

– Dick Szymanski, American ITIL | Folsom, CA

“After researching many credit card services, I found myself very frustrated with the process and even more frustrated with the ridiculous application fees. I was thrilled to finally have found Charge.com, where I was accepting credit cards within days – and for very reasonable rates. 

My orders quickly increased in both both dollar accounts, and in the number of sales. I don’t know where i would be without Charge.com – thanks guys!!!”

– Teri Cosenzi, The Pampered Princess | Longmeadow, MA

 “I’ve been accepting charge cards on my internet sites for over 5 years now and because it was my first business, was tied into a FIVE year contract. 

My sales immediately tripled and continue to rise yearly. As soon as the 5-year contract was up, I went in search of another card service.  Charge.com is affordable and MUCH easier to use! I am thrilled with their service and hope other small and first time business owners will consider them for their credit card service! You won’t be disappointed!”

– Cathy Howard, Wigglebottom Cottage Studio | Bucksport, Maine 

“Our small online business was only accepting payments thru M.O. and/or Personal Checks. It was taking too long to get the funds in our Bank and delaying shipping to our customers… So we looked for a way to accept credit cards, but every service we looked into was very troublesome for our clients (including a very well known online payment service) and had all kind of hidden costs or conditions for us!

Until we found Charge.com: Our service  sales improved dramatically and customers are very happy to deal with us!  THANKS for help and support the small business community!”

– Stefania & Giuseppe Colucciello, Wedideas.com | Melbourne Beach, Florida 

“I believe the experience I have had and currently have is fantastic. 

It gives all my current customers as well as future potential customers the options they deserve. In this case, this gives the customers to choose what best fits them. I would like to thank Charge.com for the opportunity for me to provide these options.”

– Jeffrey Williams, Metro Fire Radio | Pompton Lakes, NJ

“I wasn’t even sure my bank could process charge orders or whether my small home business would qualify. I’m no computer programmer either! Charge.com’s interfaces were seamless, and  your customer support operators were there for me in the middle of the night  to walk me through all the steps and debug my HTML goof-ups. I’m off and running now!”

– Donald Yates, DNA Consulting | Statesboro, GA

“I was looking for a way to supplement my income and decided to start an e-commerce site. After searching through several sites I decided to go with Charge.com. I chose Charge.com because of their low prices and the way I was treated on the phone.  Your staff was professional and courteous.Because of now accepting credit cards through my ecommerce site I now have supplemental income and can start looking for ways to spend that extra cash. Thanks Charge.com.”

– Sean Spear, VitaHealthChoice | Wallowa, Oregon

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You can be up-and-running, accepting major credit cards today with Charge.com, the leading merchant account provider.

We offer cutting-edge credit card processing systems designed specifically for phone order, mail order, and face-to-face businesses in mind, in addition to our cutting-edge credit card processing online systems.

You'll find out for yourself why Apple Inc. and AOL gave Charge.com their highest possible ratings.

Start Accepting Credit Cards with Charge.Com, the Leader in Payment Processing for More Than 20 Years

You already know that you need to accept credit cards from your customers in order for your business to succeed.  The reason is not far to seek. Customers have increasingly become more comfortable using cards for payments (online and offline) due to the convenience and security it provides. You no longer have to carry cash in your wallets (hence no longer the fear or losing your wallet and your cash along with it) and in case of any charge you do not like or remember using the card for, you have the ability to challenge the payment with the card issuer. These 2 are the primary factors that has led to an unimaginable jump in the use of cards as an instrument of pay. This has also lead to the business owners and the environment to adjust and adapt to the stark new reality - for growth, you have to accept credit card payments. But how do you know if you're getting the best system for your business, with the lowest costs, cutting-edge software and equipment, and the live, toll-free phone support you need, 24 hours a day, 7 days a week, 365 days a year?

Charge.com takes care of all of that for you.  Whether you're selling online from your website, face-to-face  at your retail store or office, on-the-go while mobile, or by telephone or mail order, Charge.com has the state-of-the-art equipment, software, and service you need – all at the guaranteed lowest cost.2

And those are just a few of the reasons why Charge.com has received the highest possible ratings from Apple Computer and America Online, and why Charge.com has been rated the #1 Merchant Account Provider six years in a row.1

With Charge.com you'll also get:

  • The ability to accept EVERY major credit card, including Visa, MasterCard, Discover, and American Express
  • Fast setup with no setup fees
  • Simple, straightforward pricing
  • A free credit card machine with built-in printer or card reader for your computer, Smartphone, or tablet to use with your account3
  • A Web-based, virtual credit card terminal for instant, easy manual processing of credit card orders
  • FREE online shopping cart for seamless checkout, at your website, without having to route your customers to your payment processor’s website to checkout
  • FREE search engine service that can help your website get ranked on Google, Yahoo, Bing, and other popular search engines
  • Online management and reporting of your transactions
  • SSL certificate protection to accept secure transactions
  • Your funds are FDIC insured
  • And with Charge.com, you can quickly complete your application online with ZERO paperwork and no application fees.

Only Charge.com offers you all of this combined with our low-cost guarantee and more than 20 years on the Web helping businesses just like yours maximize revenue!2

You don't have to lose one more sale because you don’t accept credit cards.

It's time to let your business succeed. 

It's time to increase your sales by up to 500% or more.

It's time to take 'charge'.

It's time –  for Charge.com.