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Pros
Cons
Charge.com offers merchant accounts and payment processing services targeting small to medium-sized businesses. A core part of their offering is a highly merchant-friendly contract structure, featuring no start-up fees, no cancellation fees, and a flexible month-to-month agreement. They offer fundamental payment solutions, including Internet processing software, electronic keypad processing (POS), and mobile credit card processing.
Charge.com isn't a stable 1995 legacy processor — it's a brand that's been dragged through bankruptcies, restructures + distressed acquisitions (Pipeline Data → Cynergy Data → Priority). Historically, this lineage relied on aggressive reserves, long funding holds, and minimal support when merchants encountered issues.
High-risk industries that typically use this type of specialized processor include:
Their sales guys are smooth talkers and they lie about fees. They literally told me I was getting a steak for the price of a cheeseburger. They basically act like sheisters who just want the signature and then poof — all the promises evaporate once you’re boarded.
Sure — support acted super friendly and 24/7 responsive before I got approved. After I actually became a customer? It was like they vanished. Chargeback help was non existent and after-sales support was trash.
My application was auto-approved instantly. That should’ve been my first red flag. They also auto-signed me into AMEX + networks I never requested… and I got stuck paying all those extra fees I didn’t agree to.
When I tried to leave because support literally didn’t help with anything… they hit me with a ~$300 termination fee. Now I understand why there was no setup fee — they make it up on exit.
Sales told me there was no contract and no cancel fees. The actual contract they sent had a 2-year term and a $295 cancellation fee buried inside. They count on you not reading every microscopic line.