CardConnect Review

Setup Fee
Risk Accepted
All are Eligible
Per Transaction
$0.05 to $0.10
Retail Rates
Internet Rates
Month to Month
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CardConnect Review

CardConnect promises to offer customers the lowest possible rates it can with no surprises. Retail charge rates begin at just .35%, and there are no setup fees, which is a huge plus. More than 70,000 businesses use CardConnect for payment processing services, including Fortune 500 companies. The company utilizes a proprietary gateway and patented tokenization to bring hassle-free payment processing to businesses.

Customizable Solutions

Originally formed as Financial Transaction Services (FTS), CardConnect has been processing payments for merchants since 2006. Its partnerships with Bank of America and FTV Capital provide access to the best resources in the industry. CardConnect works as a partner with each merchant to keep payments secure, with a notification system that lets merchants know immediately when digital statements are available or chargebacks have been filed.

CardConnect provides the payment acceptance methods that today’s businesses need. For traditional store locations, merchants can have a standard POS setup complete with a register, terminal, and credit card reader. Through a virtual terminal solution, businesses can also set up a POS using a tablet, cash drawer, and credit card reader. If a merchant would like to be more mobile, a mobile credit card solution is available.

Online businesses have unique needs, CardConnect has a set of e-commerce solutions that can be customized to meet a merchant’s needs. The CardConnect Gateway keeps customers on a merchant’s site, keeping cards secure with its patented tokenization technology. Business can use an API to integrate payment acceptance with an existing site or connect to popular payment processors like First Data, Vantiv, Bank of America Merchant Services, Elavon, and Paymentech.

CardConnect goes beyond standard payment processors to also offer paperless invoicing through its interface. Custom invoices can be electronically sent to customers, who can either make one-time payments or set it up to pay on a recurring basis. The software has the ability to securely connect and store customer information, eliminating the need for customers to reenter information every time they purchase from your site.


CardConnect integrates with a business’s existing point-of-sale infrastructure, providing the software necessary to process payments securely. Merchants can access hardware like card readers and Europay, Mastercard, and Visa (EMV) devices that interact with smart chips in cards.


  • Retail Charge Rates: 0.35%-1.65%
  • Internet Charge Rates: 0.35%-1.95%
  • Per Transaction fees: $0.05 to $0.10
  • Setup Fee: FREE
  • Contract term: Month to Month -- Agreement may be cancelled at any time with no penalty
  • Cancelation fee: None
  • Monthly cost: $6

Customer Service

Customer support is provided 24/7 by phone or email. CardConnect also posts helpful blogs to help merchants navigate many of the most common aspects of credit card acceptance on its website.

The Good, the Bad, and the Ugly

The Good:

  • Partnership with Bank of America gives merchants access to the latest tools to accept payments securely.
  • Software is compatible with a wide variety of environments.

The Bad:


The Ugly:


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Our Rating
Users' Rating
*8.6 of 10

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Processor Highlights

  • Mobile Payment Processing
  • P2PE Terminal
  • EMV Chip Terminal
  • Recurring Billing
  • eCheck/ACH Processing
  • Real Time Transaction Management
  • Analytics
  • Seamless Integrations
Month to Month

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