ChargaCard’s secure network will offer alternative financing options intended to bypass expensive third-party financial institutions and predatory credit card firms.
ChargaCard will help businesses recover past-due invoices and provide customers with flexible payment plans and zero percent interest rates. The private beta test will run through May 1.

ChargaCard will be rolled out in select states to help Americans living paycheck to paycheck access essential legal and professional services that may otherwise be hindered by credit card debt and/or low credit scores.

According to the State of Debt Collection 2018, approximately 30 million Americans have at least one debt in collections. The growing $100 billion debt collection services market—whether through in-house or third-party services—is ripe for disruption. ChargaCard’s beta testers include select small businesses with customers in need of help with past due bills.

“ChargaCard’s philosophy is simple: we want to help the millions of Americans who have been prevented from seeking legal or professional services because of low credit scores, while creating a sustained and healthy revenue stream for small businesses who would otherwise not be able to work with these clients because of the perceived risk,” said Maria Eagleton, co-founder of ChargaCard. “ChargaCard represents a more practical, compassionate approach, and we’re very proud of our work.”