DIRECT-BANK CARD PROCESSING · NATIONWIDE

STOP OVERPAYING TO TAKE CARDS.

Give us 15 minutes and your latest statement. If we can't show you a clear benefit, we'll pay you $100 cash.

No contract with usWe often buy out your old contractNext-day depositsFamily owned

Locally owned. Corporate office in Crossville, Tennessee. Serving businesses in all 50 states.

We shop the processors so you don't have to.

Real Results

BIG JIM'S BONDING

Big Jim's Bonding in Crossville, Tennessee switched to Charge It USA and saved tens of thousands of dollars in 2026 over their old processor.

Real Results

CPG — MAIN ST, CROSSVILLE

CPG on Main Street in Crossville saved tens of thousands of dollars — and now runs a point of sale that tracks inventory, employee wages and hours, all built in.

Real Results

TENNESSEE FURNITURE STORE

A local Tennessee furniture store saved $60,000 this year by switching — and used that savings to open another location.

Real Results

SEQUATCHIE COUNTY OIL CHANGE

A local oil change service in Sequatchie County saved enough in the first month to upgrade their front office.

Real Results

MIDDLE TN MEXICAN RESTAURANT

A local Middle Tennessee Mexican restaurant got all-new menus with the money they saved in the first month.

WHY ARE YOU WAITING? THESE BUSINESSES ARE JUST LIKE YOU. THEY WERE PAYING TOO MUCH MONEY FOR A SERVICE THEY WEREN'T EVEN GETTING.

We have the fastest customer service in the industry when you call with a problem.

LOCAL ROOTS. NATIONWIDE REACH.

From Main Street shops to multi-location brands, we set up businesses coast to coast with the same honest, side-by-side review.

How It Works

01

Book a sit-down.

In person or by phone, 15 minutes.

02

Bring a recent processing statement.

We'll go through it line by line.

03

See your savings in black and white.

If there's no clear benefit, you get $100 cash.

04

PCI fee check.

We check your statement for PCI penalty fees and help you get compliant.

Choose How You Pay

Cash Discount

Pass processing costs to card users and keep more of every sale.

Dual Pricing

Show a cash price and a card price. Pricing that can't be beat.

High-Risk & CBD

Turned down elsewhere? We have partners that say yes.

Next-Day Deposits

Today's card sales land in your bank tomorrow.

More Than Processing

Our point of sale systems track inventory, employee wages and hours, all built in.

WE KEEP YOU COMPLIANT.

PCI compliance is required of every business that takes cards, and falling out of it brings fees most owners never see coming. A member of our team walks you through it step by step and makes sure it gets done right — so you stay compliant and avoid those charges.

Book a Sit-Down

NO CONTRACTS. NO HOOK. NO CAP.

We don't do contracts because we know we're the best. Next-day deposits are real. Contract buyouts are real. Just real business owners showing you the same thing we know.

RATES, HONESTLY

Card processing hides layers — interchange, markup, monthly fees. We put yours side by side with a better option, line by line. No teaser rates. No fine print.

See Your Rates

FAMILY OWNED AND OPERATED BY BUSINESS OWNERS JUST LIKE YOU!

We sit down with you, look at your numbers, and tell you straight — wherever your business is. Locally owned, serving merchants nationwide.

Corporate Office: 59 S Main St, Suite 101B, Crossville, Tennessee

$100 REFERRAL

Know a business owner who's overpaying? Send them our way. When they sign up, you get $100.

Send a Referral

Follow Charge It USA

Book Your 15-Minute Sit-Down

Fill this out and a rep will reach out to set up a time to go over the money you're giving away — wherever your business is.