For Government  & Education

0% cost to your institution and 68% of consumers pay less when using a credit card.

Intelligent Rate™ prices each of the various credit cards at their true processing costs. Instead of charging flat rate pricing as is the norm with traditional credit card processing, Intelligent Rate™ sets the service fee to correspond with the actual cost of accepting the card the customer chooses.

For example, customers who choose to pay with a ‘rewards card’ will cover the cost associated with that specific rewards card.

Empower Consumers To Save

Consumers with low-cost credit cards pay a lower fee (as low as 0.75%).

Intelligent Rate™ provides real-time information about savings options. Consumers can reduce their service fee by choosing a lower-cost form of payment, such as a no-frills credit card or a debit card.

68% of consumers save with Intelligent Rate¹. The service fee ranges between 0.75%–3.99%, depending on card type (with a $1.99 minimum).

1Compared to a flat rate of 2.75%. Data from a case study of 1,000 government services transactions at an Ohio municipality.


  • No application fee
  • No sign up fee
  • No monthly recurring fee
  • No annual fee
  • No hidden fees
  • No ‘gotcha’ fees
  • 0% discount rate + no transaction fees with Zero Cost Credit©
  • No fixed term service contract required

What’s On the Credit / Debit Card Statement?

Your consumers will see two line items on their credit or debit card statement. As shown in the image below, a customer will see the name of your institution, the total purchase price of the item they bought, and the CardX service fee associated with processing the sale.

Credit / Debit Card Statement

Zero Cost Processing

When consumers pay with a credit card or debit card, your institution receives 100% of its billed amount. It’s important to understand the profound impact that zero cost, no fee credit card processing will have on your bottom-line.

The decades old practice of paying; a discount rate, transaction fees, AVS fees, PCI compliance fees, batch fees, card-not-present fees, charge backs, and monthly service fees — are gone.

Thanks to, we have entered a new era in the electronic payment processing industry. We’ve introduced new tools and better solutions to make electronic payment processing profitable for business, government, and institutions.

Leading Technology

Is your payment processing solution older than the original iPhone? In Government + Education, most banks and credit card payment processors haven’t kept up with the times.

Intelligent Rate™ is powered by our patent-pending technology that determines card type and cost of acceptance in less than a second. The result is a forward-thinking payment solution that provides the transparent experience today’s consumers expect.

Fair and Friendly

With Intelligent Rate™, consumers are responsible for covering only the costs they create, just like with utility bills and other consumer services. In contrast, a flat-rate service fee forces a consumer with a low-cost card, such as a debit card, to subsidize a consumer who prefers a card that’s more costly to accept.