PX is a lead and call exchange for brands buying from many sources, and PX Local is its self-serve product selling real-time auto insurance leads to independent agents from a $500 balance. Callmart offers inbound Final Expense and Medicare Advantage calls at published retail rates from $25. Pick PX Local for auto leads, Callmart for live callers.
What is the difference between Callmart and PX?
PX and Callmart sell different products to mostly different buyers. PX runs a customer acquisition marketplace where brands buy third-party leads, inbound calls and clicks from what it describes as more than 600 vetted lead sources, with results by source, campaign and sub-ID, plus aged lead lists delivered as CSV files. Its self-serve offshoot, PX Local, is built for independent insurance agents: you set a territory and a daily budget, real-time web leads arrive in a dashboard, and you call them. Auto insurance is the only PX Local line live today, with life, health, home, Medicare and final expense listed as coming, and PX Local cites an average lead price of $25. Callmart sells no lead records. It is an inbound-call marketplace where consumers dial in and reach your line, priced per call at published retail rates for Final Expense digital, Final Expense TV (CTV), Final Expense live transfers and Medicare Advantage.
So the useful comparison depends on which PX product you mean. Against PX Local, it is an auto lead you dial versus a Final Expense or Medicare caller already on the line. Against the main PX exchange, it is a multi-source buying platform for larger brands versus one insurance call price list. PX says it was founded in 2010 and lists its headquarters at 44 Wall Street in New York.
What is PX Local, and how does it work?
PX Local is the self-serve PX product for independent insurance agents, and you can sign up without a sales call. You choose a territory, a daily budget starting at $25 a day, a delivery schedule, lead types and volume, then fund a balance of at least $500. Leads arrive in real time in a dashboard that shows source, status and cost, and PX Local says you pay only for validated, delivered leads.
Before you buy, each lead shows its source, consent timestamp, an independent Jornaya record, its TCPA consent status, lead age and price. Bad leads can be returned with one click from the lead overview, with the credit applied immediately. Unused funds are refundable, there is no setup fee, and PX Local states there are no contracts. Its insurance page mentions live calls and appointments only as general formats in its buying advice; what it lists for sale on PX Local is leads.
How do Callmart, PX Local and PX compare?
| Question | Callmart | PX Local | PX marketplace |
|---|---|---|---|
| What you buy | Inbound calls, not lead records | Real-time web leads you call back | Leads, inbound calls and clicks from many sources, plus aged lead CSVs |
| Insurance lines | Final Expense and Medicare Advantage on the public price list | Auto live; life, health, home, Medicare and final expense listed as coming | Marketplace page cites 30+ verticals without naming them; aged leads cover auto, home, life and final expense |
| Published prices | Yes, per call at each buffer | No per-line price list; cites a $25 average lead price | Not published; aged leads are quoted in writing first |
| Getting started | Free account, buyer application, prepaid wallet | $500 minimum balance, $0 setup fee | Web login at open.px.com; terms not shown on the marketplace page |
| Returns or credits | Credit request from a billed call, reviewed by Callmart | One-click return with immediate credit | Not described on the marketplace page |
| Commitment | No minimum spend or minimum term | No contracts | Not described on the marketplace page |
How does PX price leads and calls?
PX publishes very few prices. The PX Local homepage cites an average lead price of $25, and its insurance page includes a general guide to what insurance leads cost in the market, covering lines PX Local does not sell, rather than a PX Local price list. The main PX exchange does not publish prices; its marketplace page describes custom bidding to filter out leads you do not want and AI-powered pricing recommendations.
- PX Local cites a $25 average lead price and says you pay only for validated, delivered leads.
- The cost ranges on the PX Local insurance page are a general market guide by line, not prices PX Local charges; PX Local shows the price on each lead before you buy.
- The PX Local minimum balance is $500; unused funds are refundable and there is no setup fee.
- Aged leads are priced by age bracket (30 to 60, 60 to 90, 90 to 180 and over 180 days) and fall in price as age rises. PX sends counts and a written quote first, and you pay after you approve.
PX Local does not list live calls for sale, and the marketplace page, which does name inbound calls as a channel, does not describe call delivery, minimums, caps or returns. If calls are what you want from PX, ask for the price per call, the connected time that makes a call billable, and how returns work for calls rather than leads.
How does Callmart price calls?
Every Callmart price is a price per call at a stated buffer, the minimum connected time before a call bills. The count begins when your line answers, never during ringing. A call that is never answered, or that ends before your buffer, is not billed; a call that reaches it is charged once, after it ends, from your prepaid wallet.
| Campaign | Buffer and retail price |
|---|---|
| Final Expense: Digital | $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds |
| Final Expense: TV (CTV) | $55 for 10 seconds, $65 for 30 seconds, $75 for 60 seconds |
| Final Expense: Live Transfers | $80 for 120 seconds |
| Medicare Advantage | $25 for 20 seconds, $35 for 30 seconds, $55 for 90 seconds |
These retail prices match what you see in your workspace. Agencies and bulk buyers can request lower wholesale rates through a wholesale application. There is no subscription or monthly fee, opening an account is free, and a first deposit earns call credit: $50 on a first deposit of $250, $150 on a first deposit of $500, $300 on a first deposit of $1,000. Compare the units with care: a PX Local price buys a lead you still have to reach, while a Callmart price buys a caller who already dialed in.
Lead or call: which unit fits your desk?
A real-time web lead and an inbound call ask different things of your team. A PX Local lead lands in a dashboard with its consent record attached, and your agent calls the shopper back, so contact rate and speed to dial decide what it is worth. A Callmart call is a consumer who dialed a number and is routed to a line you switched on, so the work shifts to answering: someone has to be available, in a state the line accepts, when the phone rings.
That changes how you staff. Lead buyers manage dialing cadence and follow-up. Call buyers manage availability, which is why Callmart gives each teammate a receiving switch, lets you pause your line (the pause applies on every device you use) and offers optional campaign hours. The inbound calls vs shared leads guide and the insurance lead types overview cover the tradeoff in more depth.
What are the strengths and tradeoffs of each?
PX and PX Local
- PX Local cites a $25 average lead price and has no setup fee or contract.
- Each PX Local lead shows source, consent timestamp, a Jornaya record and price before you buy.
- One-click returns on PX Local, with credit applied immediately.
- The main exchange covers leads, calls and clicks from many sources, plus aged lists with your prior purchases and DNC lists removed.
- PX Local sells only auto insurance leads today; other lines are waitlisted or coming.
- A $500 minimum balance before PX Local leads start.
- PX Local delivers leads you must call; it does not list live calls for sale.
- The marketplace page does not describe call delivery, minimums, caps or returns.
Callmart
- Final Expense and Medicare Advantage callers dial in, so there is no lead to chase.
- A published retail price per call at each buffer, starting at $25.
- Nothing billed for unanswered calls or calls that end before your buffer.
- Browser softphone and iPhone app, plus phone number or SIP delivery.
- No auto or home campaigns on the public price list.
- No lead records, aged leads or clicks.
- Similar calls can go to other buyers, and volume rests on supply and your settings.
- Each App phone, in the browser or on iPhone, takes one call at a time.
Who should choose PX?
Choose PX Local if you are an independent auto insurance agent who wants real-time web leads on a daily budget, with a consent record on each lead and quick returns, and your team can call leads back fast. Choose the main PX exchange if you are a larger brand or lead buyer that wants one platform for leads, calls and clicks across many sources with sub-ID reporting, or if you want aged leads quoted in writing before you pay. For aged options more broadly, see the aged lead vendor guide.
Who should choose Callmart?
Choose Callmart if you write Final Expense or Medicare Advantage and want live inbound callers rather than leads to dial. It fits a solo agent with a headset as well as an agency that funds one wallet, assigns roles such as manager, agent and finance, and picks the states each line accepts so delivery can match where it is licensed. The Final Expense calls page and the Medicare Advantage calls page explain each campaign.
How do you decide between them?
- 01Match the lineAuto points to PX Local today. For Final Expense and Medicare Advantage, look at Callmart.
- 02Choose the unitDecide whether you want leads your agents call or callers who dial your agents.
- 03Budget the startPX Local needs a $500 balance. Callmart has no minimum spend; fund enough to cover the calls you want to test, from $25 a call.
- 04Compare true costDivide spend by policies written, not by leads or calls bought. The cost per acquisition calculator does the arithmetic.
- 05Read the return rulesCheck the PX Local return option and the Callmart call dispute process before you scale either one.
Common questions
01What does PX Local sell to insurance agents?
Real-time web leads. As of November 2, 2026, auto insurance is the only live PX Local vertical, and PX Local cites a $25 average lead price. Life, health, home, Medicare and final expense are listed as coming. You need a $500 minimum balance to start.
02Does PX sell inbound calls?
The main PX marketplace lists inbound calls as one of three channels, alongside web leads and clicks, but it does not publish call prices or delivery terms. PX Local sells leads, not calls; its insurance page mentions calls only as a general format in buying advice. Ask PX directly for per-call pricing and billing rules.
03Is PX Local part of PX?
PX describes PX Local on its own product page as focused on independent insurance agents for now, and the self-serve leads are sold through pxlocal.com. PX itself says it was founded in 2010 and is based in New York. Check both sites for current terms before you fund a balance.
04Does Callmart sell auto insurance calls?
Callmart's public retail price list covers four campaigns: Final Expense digital, Final Expense TV (CTV), Final Expense live transfers and Medicare Advantage. Auto is not among them. Which campaigns an account sees depends on its approved account and the services enabled for it.
05Can I get a credit for a bad Callmart call?
You can request one from the call in your call history, choosing a reason such as wrong number, duplicate caller or audio problem. Callmart reviews each request, and an approved credit equals the amount charged and goes back to your wallet. A credit is not guaranteed.