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BBB Accredited Business since

Additional Locations

Phone: (866) 724-2743 120 2nd Street  Floor 4, San Francisco, CA 94105 View Additional Email Addresses View Additional Web Addresses

BBB Business Reviews may not be reproduced for sales or promotional purposes.


This company offers online payment service that allows you to pay mortgage, auto, education loan, and utility bills using a credit or debit card.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Customer Complaints Summary Read complaint details

26 complaints closed with BBB in last 3 years | 11 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 14
Billing/Collection Issues 3
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 8
Total Closed Complaints 26

Customer Reviews Summary Read customer reviews

2 Customer Reviews on
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 2

Additional Information

BBB file opened: May 14, 2009 Business started: 01/28/2008 Business started locally: 01/28/2008 Business incorporated 12/21/2010 in WA
Type of Entity


Business Management
Mr. Jake Cunningham, VP Product Development, Mr. Dana Brooks, Manager, Operations
Contact Information
Customer Contact: Mr. Dana Brooks, Manager, Operations
Principal: Mr. Jake Cunningham, VP Product Development,
Number of Employees


Business Category

Payment Processing Service

Method(s) of Payment
Visa, MasterCard and Discover for all categories. American Express is also accepted for Utility payments
Refund and Exchange Policy
Completion of a payment transaction is contingent upon both the authorization of payment by the applicable credit card company and acceptance of the payment by the relevant mortgage, auto, education lender or utility company. In the event that the payment is unable to be processed, ChargeSmart™ will attempt to notify the consumer at least once using the contact information they have provided. In these instances, the credit or debit card payment can be refunded. For all other cases, where the credit card was accepted and the mortgage, auto, education lender or utility company accepted payment, there are no refunds.
Service Area
Area Business Services: Nationally
Alternate Business Names
Products & Services

Safely and conveniently pay all your monthly bills from one place, using your credit or debit card. Log in to use your safe and encrypted stored payment methods, or set up automatic payment schedules to avoid missing due dates.

Customer Review Rating plus BBB Rating Summary has received 4.34 out of 5 stars based on 2 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.