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
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.
Difficult / High-Risk Industries
High-risk classifications, complex chargeback profiles, regulated verticals. We underwrite where the mainstream gateways won't, and we design the payment flow around your risk profile.
ExploreSaaS Platforms
Recurring billing, subscription tiers, usage-based metering, customer-friendly retries. We tune the gateway for retention and lifetime value, not just authorization.
ExploreRetail Shops
Card-present rates, integrated POS, and hardware that fits how you actually run the counter. Faster batch closes, lower downgrade exposure.
ExploreMOTO / Virtual Terminal
Phone orders and keyed-in transactions priced as a first-class flow, not an afterthought. We tune CNP authorization and chargeback defense for higher tickets and recurring callers.
ExploreA dedicated specialist through every step.
We pair every account with a payment specialist who knows your industry. Onboarding, optimization, and dispute response — 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
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.
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 and keyed-in transactions priced as a first-class flow.
Retail & POS
Card-present rates, integrated POS, and hardware tuned to your counter.
Digital Payments
Recurring billing, digital wallets, and subscription-tuned acceptance for SaaS.
High-Risk Accounts
Merchant accounts for industries traditional processors decline.
Credit Card Processing
Accept all major cards with competitive interchange rates.
Mobile Payments
Accept payments anywhere with mobile card readers.
Fraud Protection
Real-time monitoring and advanced fraud prevention tools.
Our specializations apply across every vertical.
Click through to a vertical to see how we tune the payment stack for it.
Competitive rates for established, high-volume businesses.
Tailored accounts for businesses with moderate processing complexity.
Specialized solutions for industries traditional processors decline.
Full payment stack for online stores and digital products.
Fast, reliable POS payments for high-volume café environments.
Flexible payment options for appointment-based service businesses.
Efficient checkout for high-traffic beauty service locations.
Simple, low-fee processing for grooming service providers.
Contactless and card payments for food retail operations.
Mobile payment solutions for on-site service professionals.
Accept payments in the field with mobile readers and invoicing.
Portable, offline-capable processing for market vendors.
From application to processing in four steps.
No lengthy paperwork, no confusing requirements. Just a clear path to getting your business paid.
Submit Your Application
Fill out our simple form with your business details. No lengthy paperwork, no confusing requirements.
Talk to Your Manager
A dedicated manager reviews your account and contacts you to discuss your specific needs and potential savings.
Get Your Custom Rate
Receive a transparent, competitive rate structure tailored to your industry and processing volume.
Start Processing
Get set up with your payment solution and start accepting payments. Your manager stays with you throughout.
Works with the tools you already use.
Risk and rate, both managed.
Active fraud monitoring and dispute response — included with every account, not sold as an add-on.
Fraud Prevention
Real-time transaction monitoring
Rate Optimization
Custom low-rate structures
PCI Compliance
Guidance included
Direct Support
(888) 329-5717
Advanced tools to detect and prevent fraudulent transactions before they impact your business.
Competitive interchange rates tailored to your industry and processing volume.
Specialized processing for industries that traditional banks turn away.
What merchants say about ChargeAct.
Merchant stories and reviews are being collected. We're committed to only sharing verified, authentic experiences.
Visit testimonials page →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.
Difficult or high-risk industries, SaaS platforms, retail shops, and MOTO/Virtual Terminal businesses. We accept where mainstream processors won't and tune the acceptance flow to your business model, not a default template.
Our streamlined approval process is designed to be fast. After submitting your application, a dedicated manager will review your account and reach out to discuss rates and next steps.
Yes. ChargeAct supports both ecommerce and retail/POS environments. We integrate with platforms like Shopify, WooCommerce, BigCommerce, Magento, and major POS systems including Clover.
We support credit and debit cards, Apple Pay, Google Pay, mobile payments, MOTO (mail order/telephone order), and digital wallets.
We believe in transparent pricing. Your assigned manager will walk you through every component of your rate structure before you commit to anything.
Reach out anyway. Our focus segments are the four we lead with, but we routinely build payment solutions for verticals outside that list — your dedicated specialist will tell you within a call whether we're a fit.
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]