CPACharge review

CPACharge is payment processing and billing software for accounting firms. It lets firms create branded one-time or recurring invoices, collect payments online or in person, and track payments and deposits. Clients can pay by credit card, debit card, eCheck, Apple Pay, or Pay Later, according to the published product information.

The software also handles recurring billing tasks, payment links, and automatic reminders. Its reporting covers revenue, pending payments, deposits, and cash flow. CPACharge says it provides next-business-day funding and support by phone, email, or live chat. It connects payment data with accounting and practice-management tools, which matters if payment status feeds into your billing or client workflows.

The pricing page lists a $10 monthly plan with no contract, plus a custom option for firms with special processing or technical needs. The headline price is only part of the cost: transaction fees vary by payment type.

CPACharge covers the routine payment tasks accounting firms need in one place: branded invoices, recurring charges, payment reminders, payment links, and reporting on what has been paid or is still pending. The product information says next-day funding is included, which can make cash flow easier to plan than a processor with slower payouts. It also supports several payment methods, including eCheck and Apple Pay.

The pricing page lists unlimited users, PCI compliance, next-day payments, and all available software integrations in the $10-per-month plan. That makes the base subscription straightforward to assess, although processing fees still apply. The page says there is no contract; it does not show annual billing.

Some accounting-firm users also praise CPACharge’s recurring-payment workflow and deposit reconciliation. In Reddit discussions about TaxDome’s reported move away from CPACharge, commenters said CPACharge deposits were easier to match to invoices and that recurring monthly charges worked well for their firms. Those are user reports, not a guarantee that every firm’s accounting setup will behave the same way.

The $10 monthly price is not the full cost. According to the published pricing details, Visa, Mastercard, and Discover cost 2.99% plus $0.30 per transaction; American Express costs 3.90% plus $0.30; eCheck costs 1%, capped at $10; and Pay Later costs 5.95%. Pass-through fee allocation adds $7.99 per month, foreign cards add 1.75%, and card-network pass-through fees may also apply. Firms should model their payment mix before comparing CPACharge with another processor.

The pricing page does not publish annual billing or a free trial. Firms with special processing or technical needs have to contact sales for custom pricing, so that cost is not public.

There is also a switching risk when CPACharge is tied to another platform. In Reddit threads about TaxDome discontinuing the integration, users raised concerns about moving recurring charges and reconciling deposits after the change. Those complaints concern the migration and TaxDome’s replacement workflow, not necessarily CPACharge itself, but they show why firms should check integration status and export or transition plans before switching.

The pricing page lists one standard plan at $10 per month, with no contract. That covers unlimited users, PCI compliance, debit and credit cards, eCheck, Apple Pay, next-day payments and all available software integrations. Annual billing is not shown, so there’s no published annual discount to compare. The second option is custom pricing for special processing or technical needs; CPACharge does not publish its price, so the jump between tiers cannot be calculated.

Processing fees are extra: Visa, Mastercard and Discover cost 2.99% + $0.30 per transaction; American Express is 3.90% + $0.30; eCheck is 1%, capped at $10; and Pay Later is 5.95%. Foreign cards add 1.75%, and card network pass-through fees may apply. Pass-through fee allocation costs another $7.99 per month. Compare your payment mix against those rates before treating the $10 subscription as your total cost.

CPACharge supports invoice creation, recurring billing, payment reminders, payment reporting and integrations with accounting and practice-management tools. Those are the workflows to map before a switch: recurring invoices, payment links, client payment options, and where payment data needs to land. The published material does not describe migration services, data exports, import formats or how much setup a move requires. Confirm those details with CPACharge and any replacement vendor before committing.

The pricing page says the $10 plan has no contract, which reduces one kind of lock-in, but cancellation terms and data-retention policies are not published here. We also don’t have Reddit posts or comments in the published sources, so we can’t attribute reasons for leaving to users. Ask specifically how to retrieve client, invoice and transaction records, and whether saved payment methods can transfer; those details are not published on the vendor's site. The named integrations may help preserve accounting workflows, but the specific integrations are not listed.