How CredX
works.
Four steps, one tap, and a closed loop. Everything below is how the value physically moves from the card networks back to your business.
From card tap
to sovereign exchange.
No new hardware. No rip-and-replace.
CredX sits beneath your existing POS and processor. Over a typical 4–8 week integration we map your transaction fields, import opt-in historical data, and light up the value layer at your pilot locations first.
- Runs under Toast, Square, Lightspeed, and custom checkouts
- Pilot locations first, then full rollout
- Nothing is imported until you opt in
Same $1M a month.
A different destination.
Toggle between the rails to see where the same monthly card volume actually goes over a year.
Every dollar of it funds a network that has never met your customer. You keep the receipt; they keep the margin.
Illustrative: ~$36K per $1M/mo with competing credit facilities vs ~$6K per $1M/mo with CredX. Recovery runs 40–85% and varies by volume and card mix.
The rail was one-way.
This one loops.
One tap at your checkout. No card, no network, no plastic. Approval lands in about twenty seconds, in your brand.
The answers your operations team will ask for first.
Yes. CredX runs on the value layer underneath your existing setup — processors, terminals, and management software all stay in place. There is no new hardware at the counter and nothing to rip out.
Funds settle straight to your own bank account, on your existing cadence. CredX never holds merchant money. The recovery shows up as a lower effective cost, not as a rebate you have to chase.
Tier-1 stays with your team, exactly as it works today. CredX operates the value-back and credit programs end to end, with a defined escalation path so your staff never debugs our systems.
A kickoff, transaction-field mapping, a sandbox test, a pilot at one or two locations, then rollout. If historical data helps, we import it — only after you opt in. Most merchants touch nothing at the counter.
The community lender of record holds the repayment risk — not your business. You were already paid in full and upfront, so a missed payment never touches your books or your staff's time.