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The #1 name in zero-cost.

CardX by Stax passes on the credit card fee and enables the customer to choose a lower-cost option, making payments more fair for everyone.

Our Story

Innovation at the intersection of technology and compliance.

New Rules

In 2013, new rules enabled businesses in America to do what universities and government had long been permitted to do: pass on the fee when customers choose credit cards for convenience or rewards.

We founded CardX because we recognized the opportunity to provide much-needed relief.

For American businesses, credit card acceptance is one of the largest, and fastest-growing, operating costs.1 In fact, since 2005, the interchange cost of Visa’s and MasterCard’s premium rewards cards has risen by 24%.2

And yet, while these costs were increasing in America, they were decreasing throughout the rest of the world. In countries where passing on the credit card fee is permitted, economic research shows that the cost of card acceptance has been significantly reduced.3

1 Merchants Payments Coalition, Reforming Credit Card Swipe Fees to Grow Our Economy (2015).

2 U.S. Gov’t Accountability Office, GAO-10-45, Rising Interchange Fees Have Increased Costs for Merchants (2009).

3 Allen Consulting Group, Review of Reform of Australia’s Payments System: Regulation of Credit Card Payments (2007).

New Solution

By passing on the credit card fee and enabling the customer to choose a lower-cost payment option, CardX creates cost transparency and equips customers to “comparison shop” among payment types. This applies competitive pressure to the prices charged by credit card companies.

As a turnkey solution provider powered by patent-pending technology, we differentiate ourselves at the leading edge of technology and compliance. The CardX solution is designed for seamless compliance in the evolving regulatory landscape—and we’re the ones leading the change, all the way to the U.S. Supreme Court.

The #1 name in this growing field, we license our solution to industry-leading software companies and merchant services providers. Every day, CardX and our partners bring zero-cost credit card acceptance to government entities, schools, and businesses of all sizes, from Main Street merchants to public companies.

In November 2021, CardX was acquired by Stax Payments, the all-in-one payment technology provider. As one of Stax’s key product offerings, CardX + Stax are empowering more businesses than ever before to implement surcharging across the United States and, as of 2022, as the first surcharging solution available in Canada.

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Our Founder

Jonathan Razi

CardX Founder, Stax Payments Chief Product Officer

As the founder of CardX, Jonathan’s direction and thought-leadership have established CardX as the foremost name in its field. A noted expert, Jonathan authored the CardX brief in U.S. Supreme Court.

With 10 years of experience in the payments and surcharging space, Jonathan now leads product roadmaps and innovation at Stax as Chief Product Officer. Jonathan previously served as CardX CEO.

Jonathan earned a J.D. from Harvard Law School and a B.A. from the University of Chicago.

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On the Credit Card Statement

Your customers see one line item on their credit card statement.

Credit Card Statement

On the Credit / Debit Card Statement

Your consumers see two line items on their credit or debit card statement.

Credit / Debit Card Statement

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.50 if you use a credit card. The difference is what we pay to accept a credit card.”

California

For Business

For Government

For Education

Colorado

For Business

For Government

For Education

Yes, Colorado education institutions can use CardX. Only state schools are eligible.

Connecticut

For Business

For Government

For Education

Florida

For Business

For Government

For Education

Kansas

For Business

For Government

For Education

Yes, Kansas education institutions can use CardX. Only state schools are eligible.

Maine

For Business

For Government

For Education

Yes, Maine education institutions can use CardX. Only state schools are eligible.

Massachusetts

For Business

For Government

For Education

Minnesota

For Business

For Government

For Education

New York

For Business

Yes, New York businesses can use CardX, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.00 if you use a credit card. The difference is what we pay to accept a credit card.”

For Government

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.00 if you use a credit card. The difference is what we pay to accept a credit card.”

For Education

Yes, New York education institutions can use CardX, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.00 if you use a credit card. The difference is what we pay to accept a credit card.”

Oklahoma

For Business

For Government

For Education

Texas

For Business

Yes, Texas businesses can use CardX, so long as they do either of the following:

Disclose the Credit Card Price in dollars and cents whenever they post or quote their prices. See how to make the additional disclosure.

-or-

Pass on the credit card fee when customers pay online or by phone, but only if the business also accepts credit cards in person and applies no fee to card-present payments.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.00 if you use a credit card. The difference is what we pay to accept a credit card.”

For Government

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.00 if you use a credit card. The difference is what we pay to accept a credit card.”

For Education

  1. Yes, Texas Higher Education institutions can use CardX.
  2. Texas K-12 schools can also use CardX, so long as they do either of the following:
    1. Pass on the credit card fee when customers pay online or by phone, but only if the K-12 school accepts credit cards in person and applies no fee to card-present payments. or
    2. Disclose the Credit Card Price in dollars and cents whenever they post or quote their prices. See how to make the additional disclosure.

How to Make the Additional Disclosure

In some markets, merchants may be required to disclose the “credit card price” alongside the “cash price” with equal prominence wherever prices are posted or quoted. Below are examples of how this would appear when you tag prices on the shelf, send an invoice, or quote your pricing verbally.

On The Shelf

On An invoice

Quoted Verbally

“We charge $100.00 if you use cash (or debit) and $103.00 if you use a credit card. The difference is what we pay to accept a credit card.”