Industry-Tailored Payment Solutions

Built for the businesses other processors can't fit.

ChargeAct is a payment service provider that designs fine-tuned acceptance for merchants the mainstream payment providers underserve - competitive rates, dedicated specialists, and the right tech stack for difficult industries, SaaS platforms, retail shops, and MOTO businesses.

Industry specialists, not generalists
Fine-tuned acceptance per industry
Dedicated account specialist
Approvals where mainstream processors decline

Industry Specialists

Built for hard-to-serve verticals

Fine-Tuned Acceptance

Per industry, not per template

Lower Effective Rates

Pricing built around your volume

Dedicated Account Manager

One person, picks up the phone

Where we focus

Built for the merchants that need it most.

We focus where one-size-fits-all processors fall short. Pick the lane that fits your business and see how we build for it.

Industries others turn away.

Complex chargeback profiles and regulated verticals. We underwrite where the mainstream processors won't, and we design the payment flow around your risk profile.

Regulated verticalsChargeback defenseCustom underwritingBackup placement
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Merchant reviewing payments in their own shop
Pricing structures

Payment processing structures for your business.

Set up your processing on a structure that makes sense for how you actually sell. Your specialist will walk you through which one fits, and you can change it later.

Interchange Plus Pricing

Fully transparent

Interchange is passed through at cost with a fixed markup on top, itemized separately on every statement. You always know what each transaction costs, and as your volume grows the savings come back to you.

Cost passed throughFixed markupItemized statement
Our approach

A dedicated specialist through every step.

We pair every account with a payment specialist who knows your industry. Onboarding, optimization, and the day-to-day questions - handled by one person who picks up the phone.

  • Dedicated account manager assigned at sign-up
  • Industry compliance guidance built in
  • Transparent rate structures - no surprises
  • Ongoing support as your business grows
Learn about ChargeAct
Personal Relationships
Real people, real support.
Business-First Goals
Your growth is our metric.
Industry Compliance
Built into every account.
(888) 329-5717
Call us directly.
Solutions

Every acceptance mode, tuned to your business.

Whether your customers pay in person, on the phone, in-app, or via recurring billing - we configure the stack to your flow, not the other way around.

MOTO Payments

Phone orders priced as a first-class flow.

Keyed-in transactions aren't an afterthought here. We tune card-not-present authorization and chargeback defense for higher tickets and recurring callers.

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Virtual terminal in use, order being keyed by phone
Retail & POS

Hardware tuned to how you run the counter.

Card-present rates, integrated POS, faster batch closes, and lower downgrade exposure - configured before it ships, not after your first statement.

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Integrated POS terminal at a retail counter
Process

From quote to processing in four steps.

No lengthy paperwork, no confusing requirements. Just a clear path to getting your business paid.

01

Request Your Quote

Six questions about your business. No lengthy paperwork, no documents to dig up.

02

Talk to Your Specialist

A dedicated specialist reviews your business and gets in touch to discuss what you actually need.

03

Get Your Custom Rate

Receive a transparent, competitive rate structure tailored to your industry and processing volume.

04

Start Processing

Get set up and start accepting payments. Your specialist stays with you throughout.

Integrations

Works with the tools you already use.

Your cart, your books, your terminal. We connect to the platforms already running the business so switching processors doesn't mean rebuilding checkout.

View all integrations
Security & support

Fraud and rates, both handled.

Fraud monitoring tools when your risk profile calls for them, and rate structures reviewed as your volume changes.

Fraud Prevention
Monitoring tools where risk warrants
Rate Optimization
Custom low-rate structures
PCI Compliance
Guidance included
Direct Support
(888) 329-5717
FAQ

Quick answers to questions you may have.

Can't find what you're looking for? Reach out to us and we'll have an answer for you.

Retail shops, SaaS platforms, MOTO and Virtual Terminal businesses, and the harder-to-place industries mainstream processors turn away. We tune the acceptance flow to your business model, not a default template.

See what industry-tailored payment acceptance looks like for you.

30 minutes with a specialist. No commitment, no credit pulls, no one-size-fits-all proposal.

Questions? Call us at (888) 329-5717 or email [email protected]