Charrg brings card acceptance, checkout, risk, chargebacks and the business behind every sale into a single platform. In-person, online, recurring and cross-border, with real people on the line when you need them.
For merchants of every size and risk profile, and for the ISOs, software companies and banks that serve them.
Start with what you need today and switch on the rest when you grow. Everything settles into the same reporting, the same support team and the same contract.
Tap, chip, swipe, HSA/FSA and digital wallets on countertop and mobile terminals, plus cloud POS with inventory, staff and tableside ordering.
Hosted checkout, shopping-cart plugins, payment links and a virtual terminal for card-not-present sales, with fraud screening built in.
Send secure invoices and pay-by-link requests for deposits, balances and services. Customers pay in two taps; you get notified when they do.
Memberships, installments and repeat billing with card-updater support, so a replaced card never means a lost customer.
Lower-cost bank-to-bank payments for invoices, rent, tuition and high-ticket sales, with the same reporting as your card volume.
Accept international cards and local methods, settle in the currency you choose and expand into new markets without a new provider.
Apple Pay, Google Pay and supported alternative payment methods, in store and online, with no extra integration work.
Accept supported crypto and stablecoin payments with flexible global payouts, settled alongside your card and ACH activity.
Charrg's risk tools are trained on decades of acquiring data across low, medium and high-risk portfolios. They watch the full journey, from the first authorization to the final dispute, and they explain what they flag.
Velocity checks, device and address signals and AI scoring stop suspicious activity in real time while legitimate customers sail through. Every decision is logged and reviewable.
Get notified of disputes early, refund before a chargeback posts when that is cheaper, and respond with evidence packs the platform assembles for you.
Track your fraud and dispute ratios against Visa and Mastercard thresholds, with plain-language guidance on what to change before a program fee or a reserve ever applies.
Point-to-point encryption and tokenization keep card data off your systems. We walk you through your annual SAQ, and there is no non-compliance penalty fee.
Customers, orders, invoices, inventory and payment activity live in one AI-native workspace, so the work before and after each transaction takes less time and makes more sense.
Purchase history, payment status, open invoices and service notes in one view, so every conversation starts informed.
Products, pricing, orders, inventory and invoicing that stay in sync with your sales, including Charrg Shelf for AI-assisted stock control.
Ask questions of your own sales, payment and customer data in plain language and get forecasts, anomalies and next actions back.
Illustrative only. Compares a bundled 2.9% + $0.30 rate with an interchange-plus estimate at 2.2% + $0.10 on a typical card mix. Your rate depends on industry, card mix and volume; we confirm it with a free statement analysis.
Clean REST APIs, hosted fields and SDKs for ISVs and platforms. Tokenize once, then run card, ACH and wallet payments from the same call.
curl -X POST https://api.charrg.com/v1/payments \
-H "Authorization: Bearer sk_test_charrg_••••" \
-H "Content-Type: application/json" \
-d '{
"amount": 18420,
"currency": "USD",
"source": "tok_visa_4242",
"capture": true,
"metadata": { "invoice": "4471" }
}'
import Charrg from "@charrg/node";
const charrg = new Charrg("sk_test_charrg_••••");
const payment = await charrg.payments.create({
amount: 18420,
currency: "USD",
source: "tok_visa_4242",
capture: true,
metadata: { invoice: "4471" }
});
console.log(payment.status); // "approved"
import charrg
charrg.api_key = "sk_test_charrg_••••"
payment = charrg.Payment.create(
amount=18420,
currency="USD",
source="tok_visa_4242",
capture=True,
metadata={"invoice": "4471"},
)
print(payment.status) # "approved"
Standard retail and restaurants are easy. Charrg also underwrites in house, so specialty and higher-risk merchants get a real answer, usually in days.
If you bring merchants, Charrg brings the infrastructure, the sponsor-bank relationships and the technology, under your brand or ours.
Most processors make you choose between a big company's technology and a small company's attention. Charrg was built by payments operators so you get both.
Decisions are made by people you can call, not a queue at a third party. Specialty files get a real conversation.
24/7 support from a team that knows your account, with AI handling the routine so humans have time for the rest.
Interchange-plus by default, every fee named on the statement, and a free analysis of what you pay today before you sign anything.
Digital applications, e-signature and AI document review get most merchants live in days, with funding the next business day.
Tell us a little about your business and a payments specialist will reach out within one business day, usually sooner. Bring a recent statement if you want a savings analysis.