Who is CardPayment Solutions?

CardPayment Solutions is a Merchant Services Provider. We enable large and small businesses across the country to accept electronic payments for the goods and services they sell.

There are a wide variety of electronic payment means, and we handle most of them. They include the important ability for a Merchant to accept payments by Credit Card (including Visa, MasterCard, American Express, Discover, JCB and China Union Pay). Acceptance of these cards by a Merchant can account for 30% to 80% of gross revenue, and is critical to business survival. We provide low rates and fees for this service. We are registered directly with the card associations so that we can legitimately provide these services to Merchants.

We also provide merchants the ability to accept Debit Cards (also known as ATM cards). These cards may have a Visa or MasterCard brand logo; however they are not credit cards and are attached directly to the cardholder's checking account. If a Merchant chooses to accept this type of payment in the correct way and it's appropriate for their business, the savings in rates and fees can be dramatic.

Merchants who accept checks as payment can benefit from one of our many methods of electronic check processing. Recently electronic check systems have undergone technological enhancements and we are proud to provide such services to even the smallest Merchant.

CardPayment provides cutting-edge Gift Card and Loyalty Card programs, which go beyond just saving money for the Merchant. With a properly designed card program, a Merchant can see a significant increase in revenue. These programs are not just for large businesses these days-the benefits are available to all businesses.

We can arrange cash advances to Merchants, to provide the business capital for expansion, renovation, inventory or many other reasons. These advances are paid back easily from future credit card processing, and can be an excellent tool in the right circumstances.

But--CardPayment is much more than just a Merchant Services Provider. We are actually a family-style business-in fact, we were originally founded by a family. We retain that attitude now, as a company of 200+ people servicing our customer family of tens of thousands of Merchants, in addition to our hundreds of independent sales representatives all across the country.

We focus on our family with great pricing, service and support, and the best products and systems available.

CardPayment Solutions was founded in 1999 and is based in Santa Barbara, California. We have a strong philosophy which includes three parts. The first, customer service, includes a high standard of focus on the business needs and ongoing care of our clients. This applies from the smallest to the largest Merchant we serve. Of course, we constantly strive to give that service at the lowest possible cost consistent with the need for profitability as a company.

The second part is a drive for state-of-the-art technology in all aspects of the payment processing we perform, along with a search for future technologies-so that we can serve our clients more cost-effectively and with better benefits and choices for their business.

The third part of CPS's philosophy is high ethical standards. Our orientation is toward full disclosure of all terms of an agreement-and a total rejection of misrepresentation. We also insist on respect for our entire family-employees, representatives and Merchants.