Visa & Mastercard take 3%.We give it back.
Every card sale ships your margin to the networks — roughly $36,000 per $1M processed, every year, with nothing coming back. CredX reverses the flow: an embedded lending layer that recovers 40–85% of interchange and returns it to the business that earned it.
* Figures are illustrative estimates based on typical interchange rates (~3%) for merchant-level accounts. Actual recovery varies by card mix, processing volume, and lender participation.
The wall breaks.
Your value comes back.
For merchants, consumers, and lenders, the legacy rail was a one-way drain. CredX reverses the flow: the margin stays where it was earned, the customer stays yours, and the credit funds where the spending already happens.
Step through to onboarding
The AI finds your business
and qualifies it in seconds.
Type your business name. The CredX AI scans the global rails, reads your interchange drain, and tells you exactly what you lose to Visa & Mastercard — and what comes back.
Where the value
is earned.
Real businesses, real transactions, real communities. This is whose money the legacy network has been taking — and who CredX gives it back to.
Built for the businesses
the network drains the most.
Illustrative merchant profiles showing what recovery looks like at real volumes — the margin every founding merchant keeps once the value layer is live.
Sample profileMattenga's Pizzeria
San Antonio, TX
Sample profileSaffron Indian Kitchen
Toronto, ON
Sample profileMetro Pizza
New York, NY
Sample profileCyclo Noodles
Vancouver, BC
Sample profileTalkin Tacos
Austin, TX
Sample profileHillCrust Pizza
Calgary, AB
Profiles shown are illustrative examples of the model — not current customers. CredX is pre-launch: founding merchants are onboarding now.
One tap.
Direct value.
Zero plastic.
The consumer experience is not a card swipe. It is a one-tap, direct-value transaction in your brand. No competing credit facility in the middle. Pure value, from your customer to your business.
- Approved in ~20 seconds, in your brand
- Value-back earned in dollars, not points
- The relationship, the data, and the loyalty stay yours
An embedded value platform enterprises can stand behind.
We built CredX on one belief: the value belongs to the people and businesses who create it. That is the movement, and you belong in it.
— Kendall, Founder, CredX
Plain language, before the numbers.
Credit offered inside your own checkout, in your own brand, funded by a lender rather than a competing credit facility. The customer is approved in about 20 seconds, you are paid in full and upfront, and the relationship, the data, and the value-back stay with your business.
No. CredX runs on the value layer underneath your existing setup. Your POS, terminals, and management software all stay in place. No new hardware at the counter. Typical integration runs 4 to 8 weeks.
Yes. The relationship stays in your business's name, never a competing credit facility's. The credit and the value-back carry your brand, so the reason they come back belongs to you.
Opt-in and de-identified, it shows which buyers return, which segments spend the most, and when demand peaks. That turns into staffing and stock decisions you no longer guess at.
Ready to keep
your customer?
Join now and finish on your own time: one link, a guided form, and no back and forth. If you would rather talk it through first, book a meeting.
A system you belong to, instead of one that owns you.