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.

In the merchant services industry, there is a wide variety of electronic payment means, and we proudly work with most of them. They include the important ability for a merchant to accept credit cards, 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 for business survival. We are registered directly with these card associations so that we can provide these services to merchant at the lowest rates and fees in the industry.

We also provide merchants the ability to accept Debit/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 decides that ATM/Debit card processing is right for them, the savings on rates and fees can be significant.

Merchants who accept checks as a form of 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 offer such services to all our valued merchants.

CardPayment provides cutting-edge Loyalty and Gift Card programs designed specifically to increase the merchant’s revenue. With several packages to choose from, the merchant has the advantage to be a step ahead of other local businesses. The gift and loyalty card programs we offer the merchant has the ability to broaden their consumer demographics, promote clientele frequency, and encourage relationships with their customers, among many other benefits.

We can provide cash advances for merchants who wish to have extra funds for the growth of their business. As with any business; expansion, renovation, inventory, and many other needs are financial investments essential for business growth. These advances are paid back easily from future credit card processing, and can be an excellent resource in the right circumstances.

CardPayment Solutions was founded in 1999 in Santa Barbara, California. We have a strong philosophy which includes three parts. The first is customer service. This includes a high standard of the availability for the business needs and ongoing care of our clients.

The second part is a drive for state-of-the-art technology. Being a front runner in technology; we have the ability to offer our merchants the most up to date advance payment processing. In all aspects of the processing we perform, we strive to have the latest and most convenient payment processing methods available to all our merchants.

The third part of CPS philosophy is high ethical standards. Our objective is to have a full disclosure of all terms on an agreement. We have a zero tolerance for misrepresentation policy. We also insist on a mutual respect for all our employees, representatives and merchants.