Integrated Credit and Debit Card Processing

RTO Pro has integrated credit card, debit card and check guarantee processing capabilities using X-Charge. This allows you to process the cards through your computer via modem or an Internet connection.

If you are not accepting credit cards now you can set up account with X-Charge and use the integrated credit card capabilities in RTO Pro instead of purchasing or leasing expensive credit card terminals. If you are accepting credit cards now compare what you could save using X-charge through RTO Pro and have a fully integrated solution which would allow customers to be set up for AutoPay by credit card also.

Advantages of integrated credit card processing


With integrated credit card processing you can setup your customers to pay automatically every month(week, bi week etc.) by credit card directly through RTO Pro, with 1 click processing for all autopay customers.


With integrated credit card processing you can sign up for our webpay service that allows your customers to pay you payments online. The payments are imported and processed automatically into RTO Pro.

Fast and easy

Faster and easier to process credit cards with an integrated solution.

Comparison of using Integrated Credit Card processing with X-Charge vs. Credit Card Terminals.


X-Charge integrated w/ RTO Pro

Credit Card Terminal

X-Charge Price $0.00 Included for FREE with RTO Pro! $1500 to $2000 or $49.95 x 36 months
Credit Card Reader $99.00 Included
Pin Pad for Debit Cards $185.00 (optional) $200 to $300
Receipt Printer Star TSP100 (Optional) $299.00 (use for RTO Pro receipts also) Included

Processing credit card through RTO Pro with X-charge is also much easier and faster than using a credit card terminal, everything is done through RTO Pro when you use X-charge. With a credit card terminal you have to process the credit card through the terminal then enter the payment in RTO Pro, when it is integrated you do everything in 1 step.

If you use RTO Pro and want to get set up with X-Charge integrated credit card processing or have questions or want to get a customized rate quote or comparison call X-charge at: 888-412-1171. Click here to visit the Xcharge website for RTO Pro, from this page you can also start the signup process.


Through a strategic partnership with RTO Pro Software , X Charge is proud to offer all our clients access to the highest quality credit card processing and payment solutions. Setting up your merchant account and payment gateway has never been so easy!

ALL MAJOR Credit Cards accepted
  • Funds deposited directly into your Business Checking Account
  • Enjoy Gross Daily Settlement of your Visa/MasterCard sales
  • Accounts INCLUDE real time Payment Gateway & Virtual Terminal
  • Debit Cards treated exactly as Credit Cards with LOWER rates
Schedule of Fees
  • NO Application Fee
  • Call for Free rate analysis
  • All future upgrades of X Charge software (NEVER again pay for a new version)
  • 7 days a week support for software and transactions.
  • Toll Free Customer Support with TECH SUPPORT all in ONE call


X-Charge™ Integrated Credit Card Processing Software is a valuable and cost effective solution. Listed below are just a few of our many benefits:

Security updates occur that require merchants to purchase or lease new terminals in order to remain current in technology advances. Failure to update may cost merchants higher processing costs. The X-Charge software stays in pace with these new technologies and updates are shipped to merchants. Upon receipt, merchants simply contact tech support for simple installation instructions, allowing merchants to remain current and never be subjected to higher processing costs!

Using our software solutions and X-Charge requires no re-keying of sales amounts. The amount tendered in the program is exactly what is authorized via X-Charge. This integration virtually eliminates the chance for fraud or error!

Every credit card transaction has a corresponding transaction within X-Charge, never missed or erroneously keyed.

X-Charge software runs directly on your RTO Pro workstation, replacing standalone bank terminals, reducing the clutter at the checkout counter and providing more valuable space for selling.

Credit Card transactions are authorized in less than 15 seconds via modem; 2 to 3 seconds using high speed Internet!

Your clerks simply tender the sale normally and swipe the customer’s credit card - X-Charge does the rest! Your clerks do not need to move from the RTO Pro station, to the standalone terminal, back to the RTO Pro station.

No longer will you have to issue a RTO Pro System receipt and a separate credit card receipt. One receipt provides a more professional solution.

Rather than having one or multiple credit card terminals and printers for a network of RTO Pro stations, X-Charge allows you to have one modem and one telephone line. X-Charge also allows you to process via High Speed Internet eliminating multiple or single phone lines.

X-Charge can print meaningful management reports, allowing daily, weekly, monthly, yearly and user defined time period reporting. Much more information than stand alone credit card terminals can provide!

Applying for an Internet Certified Merchant Account is a quick and easy process.

If you have any questions or are ready to sign up, please contact Open Edge at: 888-412-1171.

PCI Compliance notice (payment card industry (PCI))

X-Charge is a PA-DSS validated payment application and is integrated into RTO Pro. Starting with RTO Pro version 5.5.6 our integration method isolates cardholder data from our software. By utilizing XCharge as the only module that handles cardholder data, we follow industry best practices. PA-DSS does not apply to our software because it applies only to applications that store, process or transmit cardholder data.