Sample profile Ready for Lender ExpansionMattenga's Pizzeria
San Antonio, TX
- Monthly vol.
- $920K/mo
- Recovered / yr
- $28.4K/yr
CredX · The Interchange Recovery Protocol
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.
40–85%
of interchange recovered
$30K / $1M
back in your business, month one
Seconds
AI-scored at the counter
* 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 of Extraction
3% interchange$36K per $1Mno value backyour data, keptyour customer, captured20-day settlementchargeback risknetwork taxhidden railsyou get nothingcompeting credit facilitythe invisible tax
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.
AI Prospector
Let’s get your rate.
See what CredX would charge you instead. About 30 seconds, and you don’t need a statement in front of you.
The Movement, In FocusWhere the value
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.
Restaurants
Full margin on every plate.
Cafés
Loyalty that stays local.
Retail
The customer stays yours.
Wellness
Plans that fit real life.
Merchant Sovereignty · The ModelBuilt for the businesses
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 profile Ready for Lender Expansion
Sample profile High return-rate, prime prospectSaffron Indian Kitchen
Toronto, ON
- Monthly vol.
- $1.4M/mo
- Recovered / yr
- $41.2K/yr
Sample profile Interchange drain above network avgMetro Pizza
New York, NY
- Monthly vol.
- $640K/mo
- Recovered / yr
- $19.8K/yr
Sample profile Loyalty gap — strong fitCyclo Noodles
Vancouver, BC
- Monthly vol.
- $720K/mo
- Recovered / yr
- $22.1K/yr
Sample profile Ready for Lender ExpansionTalkin Tacos
Austin, TX
- Monthly vol.
- $1.9M/mo
- Recovered / yr
- $57.6K/yr
Sample profile Recovery range: top quartileHillCrust Pizza
Calgary, AB
- Monthly vol.
- $510K/mo
- Recovered / yr
- $16.3K/yr
Profiles shown are illustrative examples of the model — not current customers. CredX is pre-launch: founding merchants are onboarding now.
Founding cohort
First merchants onboarding with CredX now
In conversation
Community lenders evaluating the rail
~20 sec
Credit decision at checkout — design target
4–8 wks
Typical integration, no new hardware
Post-Plastic CheckoutOne tap.
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
9:41● ● ●
Checking out at
Your Business Name
Total
$148.00
Value-back earned+$4.44
Scan to join · One tap
Confirm · One tap
No card network. Direct value.
Built on Trust
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.
Pre-launch
Founding merchants and lenders shaping the rail now
Regulatory
compliant — data de-identified, consent-driven, held to Canadian privacy law
The Short Answers
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.
Be Part of the Movement
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.