Government & Higher Education

Smarter for Everyone: Intelligent Rate

0% cost to your institution. 68% of consumers pay less.

Intelligent Rate from CardX is specifically designed for government and higher education. Rather than a flat percentage, Intelligent Rate calculates the services fees appropriately to the true cost while the consumer is typing their credit card information in. Lower your customer’s transactions fees while eliminating your own.

Apply a Dynamic Fee

Intelligent Rate prices difference cards at the different costs.

Instead of charging a flat rate, Intelligent Rate sets the services fee to correspond to the cost of accepting the card a consumer chooses. For example, consumers who choose higher-cost rewards cards will cover the extra cost associated with those rewards.

Empower Consumers to Save

Consumers with low-cost cards pay a lower fee (as low as 0.75%).

Intelligent Rate provides real-time information about savings options. Consumers can reduce their service fee by choosing a lower-cost form of payment, such as a no-frills credit card or a debit card.

Why Institutions Choose Intelligent Rate

Zero Cost — When consumers pay with a credit card or debit card, your institution receives 100% of its billed amount. CardX collects the service fee and pays all transaction costs, so you get every dollar you’re due.

Leading Technology — Is your payment solution older than the original iPhone? In Government & Higher Education, most payment providers haven’t kept up with the times. Intelligent Rate is powered by our patent-pending technology that determines card type and cost of acceptance in less than a second. The result is a forward-thinking payment solution that provides the transparent experience today’s consumers expect.

Fair and Friendly — With Intelligent Rate, consumers are responsible for covering only the costs they create, just like with utility bills and other consumer services. In contrast, a flat-rate service fee forces a consumer with a low-cost card, such as a debit card, to subsidize a consumer who prefers a card that’s more costly to accept.

Where Intelligent Rate Works: There’s a solution for every way you accept cards.


Intelligent Rate is available in the following merchant category codes:

  • MCC 9311 – Tax
  • MCC 9222 – Fines
  • MCC 9211 – Court Costs
  • MCC 9399 – Misc. Gov. Services
  • MCC 8220 – College Tuition
  • MCC 8244 – Business and Secretarial Schools
  • MCC 8249 – Trade Schools
  • MCC 8211 – Elementary and Secondary Schools


Intelligent Rate is a trademark of CardX. Intelligent Rate and the copyrighted text on this page are used under license from CardX.