Your Full Roadmap to Merchant Accounts and Payment Processing

Seamless Payment Acceptance Across All Sales Channels

Scalable Infrastructure and Security for High-Volume Businesses




A merchant account is a specialized bank account that enables your business to receive and process payments made by credit card. Without this type of account, card transactions cannot be transferred into your regular business banking account. Any business that intends to accept card payments needs one.
No. Charge.com charges no setup fees, no cancellation fees, and requires no long-term contract. You can open a merchant account and start processing credit cards immediately without any upfront financial commitment.
Charge.com offers rates as low as 0.25%, positioning it among the most affordably priced providers in the industry. Your specific rate will depend on your business category and monthly processing volume, but all pricing is fully transparent with no hidden fees introduced after you sign up.
Yes. Charge.com supports credit card acceptance across multiple channels including online stores, in-person POS terminals, wireless card readers, phone orders, and even mail or fax orders, giving your business complete flexibility in how customers pay.
Charge.com provides free payment processing software and card readers compatible with computers and mobile devices. No equipment rental fees apply. This allows new merchants to begin accepting credit cards on day one without purchasing hardware out of pocket.