CPACharge review
Payment processing under review
Our full editorial review of CPACharge is in progress — scores shown are preliminary.
- Pricing
- 4.1
- Features
- 3.8
- Ease of use
- 3.9
- Customer support
- 3.2
- User reviews
- 3.0
Key takeaways
- Advertised headline rate: 2.89%.
- Full editorial review in progress.
- Merchant statement verification pending.
Quick facts
CPACharge pricing at a glance — full fee table on the fees page.
- Pricing model
- Flat rate
- Headline rate
- 2.89% + $0.10
- Monthly fee
- None
- Contract
- Varies
- Payouts
- 1-2 business days
- Hardware
- Varies
The fact check
What they advertise versus what the evidence — real merchant statements and rate reports — shows.
Headline processing rate
Not yet verifiedWhat they advertise
2.89% + $0.10
What the evidence shows
3.02% blended, across 45 rate observations (verification in progress)
We publish a verdict on rate claims only once verified merchant statements back the blended figure — collection for this provider is in progress.
Monthly cost
Checks outWhat they advertise
No monthly fee
What the evidence shows
No recurring fees on the published entry plan — statement verification in progress
Optional paid tiers exist, but the entry plan is genuinely free of recurring fees.
Payout speed
Checks outWhat they advertise
1-2 business days
What the evidence shows
Advertised schedule — merchant verification in progress
Delays cluster around risk reviews and holds rather than the normal settlement schedule.
Contract terms
Gap foundWhat they advertise
Varies
What the evidence shows
Published terms carry a commitment; read before signing
Termination clauses are where the disputes we see start — negotiate the term before signing, not after.
CPACharge merchants pay 3.02% on average. What are you paying?
Upload or forward one statement and we benchmark every fee line against merchants like you — free, no card required.
Get your free rate reportRates by business size
The same provider is a different deal at different volumes. Blended effective rates observed by segment.
Smallunder $10k/mo
~3.05%
Flat pricing shines at this size: predictable and no monthly commitments.
Growing$10k - $50k/mo
~2.97%
The crossover zone: interchange-plus alternatives start beating this rate.
Establishedover $50k/mo
~2.92%
At this volume, flat-rate pricing typically costs 30-60 bps over negotiated interchange-plus.
What the web says
Ratings aggregated from review platforms and independent critics — so you don't have to open ten tabs.
The Parity review
Five categories, individually scored. Weighted together they form the Parity Score.
Pricing
4.1
Preliminary pricing assessment from published rate cards.
CPACharge publishes a headline rate of 2.89%. We are still collecting merchant statements to verify what businesses actually pay — check back as our dataset grows.
Features
3.8
Feature coverage still being catalogued.
Our analysts are still cataloguing CPACharge's full feature set. The score above is preliminary, based on published materials.
Ease of use
3.9
Onboarding experience under evaluation.
Early signals on CPACharge's onboarding and day-to-day usability, pending our full hands-on evaluation.
Customer support
3.2
Support channels under evaluation.
Support channel quality for CPACharge is being evaluated from merchant interviews and public reviews.
User reviews
3.0
Aggregating ratings from across the web.
We aggregate ratings for CPACharge from Trustpilot, Google, Capterra, and G2 as they become available.
Pros & cons
Pros
- Published rate card on file
Cons
- Limited verified merchant data so far
Who it's for
CPACharge is a strong fit for
- Check back soon for our segment recommendations
Look elsewhere if
- Segment guidance is being finalized for this provider.
Timeline
Pricing changes, launches, and incidents our watchers picked up.
- Partnership
AffiniPay Announces CPACharge as Official AICPA Member Discount Partner
CPACharge has partnered with the AICPA to provide new member accounts with waived program fees for their first six months.
- Partnership
Texas Society of CPAs Offers CPACharge as a Member Benefit
The Texas Society of CPAs has partnered with CPACharge to offer its members access to the payment platform along with a three-month fee waiver.
- Partnership
Idaho Society of CPAs Partners with CPACharge
CPACharge has entered a partnership with the Idaho Society of CPAs to provide online payment solutions to its members with an introductory monthly fee waiver.
- Partnership
The Arizona Society of CPAs has chosen to partner with CPACharge
The Arizona Society of CPAs has partnered with CPACharge to provide members with online payment solutions.
- Partnership
Arkansas Society of CPAs chooses CPACharge as member benefit partner
The Arkansas Society of CPAs has partnered with CPACharge to offer members payment processing solutions and a waived monthly fee for the first three months.
- Partnership
CPACharge chosen by the Alaska Society of CPAs
CPACharge has entered a partnership with the Alaska Society of CPAs to provide members with a fee-waived program incentive.
- Partnership
Illinois CPA Society Partnership
AffiniPay has entered a partnership with the Illinois CPA Society to provide members with discounted rates and a fee waiver for CPACharge.
- Partnership
CPACharge Announces New Member Benefit Partnership with the Ohio Society of CPAs
CPACharge has entered into a partnership with the Ohio Society of CPAs to provide members with access to payment processing services and a temporary monthly fee waiver.
Alternatives to CPACharge
Helcim85
Better if: Merchants above ~$10k/month who want interchange-plus without negotiating
Square81
Better if: New businesses taking their first card payment
Shopify79
Better if: Online-first brands of any size
Not sure which fits your business? Your statement tells us in two minutes — get your free rate report.
Frequently asked questions
Is CPACharge a good payment processor?
We are still completing our full review of CPACharge. The preliminary score combines published pricing with early rating aggregates; the verified statement data that anchors our fact-check section is being collected.
What rate do CPACharge merchants actually pay?
CPACharge advertises 2.89% + $0.10 as its headline rate. Across the rate observations we have collected so far, the blended effective rate — everything paid divided by everything processed — typically lands around 3.02%.
How does Parity score CPACharge?
We rate five categories — pricing (35%), features (25%), ease of use (20%), support (10%), and user reviews (10%) — and combine them into the Parity Score. Ratings are based on published pricing, real merchant statements, hands-on evaluation, and aggregated reviews. No provider can pay for a rating.
Is this a paid or sponsored review?
No. Parity reviews are editorially independent. CPACharge did not pay for placement, cannot buy a score, and did not review this page before publication. When we earn a referral fee it never affects rankings — the fact-check methodology is the same either way.
How we review
Parity reviews are editorially independent. No provider can pay for a rating, sponsor a review, or see it before publication. When we earn a referral fee, it never affects scores or rankings.
The Parity Score weights five categories: pricing (35%), features (25%), ease of use (20%), customer support (10%), user reviews (10%). Category ratings come from published pricing, real merchant statements, hands-on evaluation, and ratings aggregated from review platforms and independent critics.
The fact-check section is what makes this review different: we benchmark advertised claims against 640 data points — merchant statements, observed rates, and published rate cards — and publish where the claims hold and where they do not. Last reviewed 2026-08-07.