Boost profitability
Minimize credit card processing charges
Seamlessly pass up to 100% of credit card fees onto customers compliantly online or in-person. Pass on the fee for credit card transactions with CardX by Stax while also offering customers the ability to choose debit as a no-fee option.
Compliance and security
Ensure compliance with state laws and rules set by card brands. CardX by Stax understands the importance of compliance and security, protecting your payments from processing fees by staying at the forefront of merchant advocacy and regulation.
We have the card brand rules covered
To pass on the credit card fee, merchants have to comply with the rules created by the card brands (such as Visa and MasterCard) as a condition of accepting their cards. CardX is a turnkey solution and automatically has you covered.
The rules
- 1 The merchant must be registered with the card brands.
- 2 The merchant must inform their customers of the credit card fee with appropriate signage at the store entrance (if applicable) and at the point of sale.
- 3 The amount of the credit card fee must not exceed 4%, and the merchant must not profit from the credit card fee.
- 4 The credit card fee and the price of the product or service must be processed together as one transaction.
- 5 The receipt must show the amount of the credit card fee as a separate line item.
- 6 The merchant must not apply a fee to debit cards.
Our solution
- 1 Our team completes each registration on your behalf.
- 2 Our team provides you with all necessary signage, keeping customers informed—and keeping you compliant.
- 3 Our solution passes on a 3% credit card fee. You receive 100% of your sale—no more or less.
- 4 Our solution processes the credit card fee and the purchase amount as one transaction.
- 5 Our solution produces a receipt that itemizes the credit card fee.
- 6 Our solution automatically detects when a debit card is entered and applies no fee.
We're a leader in the movement
Advocacy
CardX by Stax is not just a payments company, but a recognized authority and a strong advocate for merchant affordability and consumer fairness.
We were the only solution provider to file a brief in Expressions Hair Design v. Schneiderman, contributing real-world expertise to a landmark U.S. Supreme Court case.
In March 2017, the Supreme Court held that state “no-surcharge” laws restrict constitutionally protected speech.
Social impact
This victory was celebrated by the merchants and their amici, including not only businesses such as Spirit Airlines, Kroger, Walgreens, and CardX, but also policy experts and think-tanks advocating for solutions that lower transaction costs, especially for low-income or under-banked Americans, who more often pay with cash and debit.
This cause has united supporters across political lines, who emphasize that passing on the credit card fee is the best tool a merchant has for informing the customer of the transaction cost and giving the customer the incentive to reduce it.
Increase your margins without the hassle
Businesses incur billions in interchange fees each year. With CardX by Stax, they don’t have to.
- 0% cost*
- Automated compliance**
- Customer friendly