Recover What You Pay in Credit Card Processing Fees
Every card sale carries a fee that leaves the business and does not come back. CredX puts an embedded lending layer underneath the same transaction, so a share of that value returns to the business that earned it.
Where the fee goes today, and where it goes next.
On a card transaction, a share of every sale is deducted before the business sees it. Most of that share is interchange, set by the competing credit facility and collected on the way through. It funds a program the business pays for and does not control.
- The customer pays.
- The transaction clears.
- Interchange is deducted.
- The value settles with the competing credit facility.
- The business receives the remainder.
- The customer pays.
- The transaction clears through an embedded credit facility.
- Community lender partners fund the credit and carry the risk.
- A share of the recovered value returns to the business.
- It arrives in the business's own brand.
Same sale. Same checkout. The difference is which direction the value travels afterwards.
The intelligence from your own customer base, back where it belongs.
CredX manages the data infrastructure; the business accesses structured intelligence drawn from its own customer base. Purchase patterns, return rates, and value earned per customer, presented as decisions rather than exports. Your business name, our infrastructure underneath it.
The intelligence draws on 186 data sources across five categories: transaction, demographic, behavioural, credit and financial, and lifestyle — tied to the individual customer rather than to an aggregated cohort.
Customer data is handled under PIPEDA, on explicit opt-in.
Value that comes back carrying your name.
The credit at checkout is branded as the business, not as CredX and not as a competing credit facility. Customers earn value in dollars — not points, and not a statement credit — and the program runs under the business's own identity.
It fits the system you already run.
CredX integrates with Point of Sale (POS) systems and Independent Software Vendor (ISV) platforms, so the transaction flow the business runs today does not change. POS and ISV partners carry the integration; the operator carries nothing new.
See How CredX Works With POS and ISV PlatformsHow the model pays for itself.
The credit facility is funded by community lender partners, who carry the credit risk. CredX originates and services it. The business pays nothing to install it and nothing to run it. CredX earns from the lending itself, at a rate set with the lending partner, so the model only earns when the business recovers.
See what the transaction could return.
A short conversation, your own volume, and a figure you can check.