AutoCard Solutions

What AutoCard Solutions does

AutoCard Solutions, LLC is a privately held payment processing company founded in 2009 and headquartered in Miramar Beach, Florida. The company operates as a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., and provides credit and debit card processing, mobile payments, virtual terminal acceptance, invoicing, and point-of-sale solutions to small and medium-sized businesses across the United States, with disclosed operations concentrated in the Southeast. Its core customer base is horizontal SMB merchants, with secondary use-case focus on retail, e-commerce/remote, and restaurant/hospitality verticals. The company has 11–50 employees and no disclosed funding, management team, or financial metrics.

The company's product portfolio is built almost entirely around the Clover hardware and software ecosystem (Station, Mini, Flex, Go, and Kiosk), which it resells as an authorized partner of Clover Network, LLC (a wholly owned subsidiary of First Data / Fiserv). On top of the Clover stack, AutoCard layers its own merchant services, a web-based Virtual Terminal for remote card-not-present processing, and Clover Invoicing for billing workflows. The technology architecture is therefore not proprietary — it is a reseller/integrator model on top of a third-party POS platform — with the company's own differentiation residing in sales relationships, agent-driven onboarding, and 24/7 support rather than in core technology IP.

AutoCard generates revenue from three streams: per-transaction fees on processed card payments, one-time POS hardware sales, and recurring monthly service subscriptions (e.g., $34.95/month per Clover Kiosk device). Go-to-market is delivered through an inside-sales team reachable via phone and web forms, supplemented by a commissioned Sales Agent network that builds merchant account portfolios. Pricing is largely contact-based and described as "competitive and transparent," with only the Clover Kiosk publicly priced. The overall business model is that of a small, regionally focused payments ISO whose economics are tied to the volume and retention of its merchant book and to its continued access to the Wells Fargo and Clover rails.

Name

AutoCard Solutions

Legal name

AutoCard Solutions, LLC

Website

https://autocardsolutions.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

AutoCard Solutions is a Florida-based registered ISO of Wells Fargo Bank that resells Clover POS hardware and software, providing credit card processing, virtual terminal, invoicing, and kiosk solutions to small and medium-sized U.S. merchants via direct inside-sales and a commission-based sales agent network.

Ownership category

akta.pro rank

Product category

Payment Processing Services

akta.pro industry

PRIMARYFSAMABAA

Integrated Payment Processors (PSP/Acquirer)

Financial & Insurance/Payments & Transaction Processing/Payment Processors & Merchant Acquirers

SECONDARYFSAMADAG

EMV Chip, Magstripe & PIN Debit Acceptance

Financial & Insurance/Payments & Transaction Processing/Point-of-Sale (POS) Payments & Terminals

SECONDARYFSAMADAD

Integrated POS Payments (ISVs & Vertical POS Platforms)

Financial & Insurance/Payments & Transaction Processing/Point-of-Sale (POS) Payments & Terminals

Keywords

• Credit card processing
• Merchant services
• POS systems
• Payment processing
• Mobile payments

Headquarters

HQ city

Miramar Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Payment Processing Services: Transaction-based revenue from credit card, debit card, and mobile payment processing. The company earns fees on each transaction processed through their merchant accounts. Sales agents earn commissions on initial sales and continuously on every transaction made.
2. POS Hardware Sales: Revenue from selling Clover POS hardware including Station, Mini, Flex, Go devices, and Kiosk systems. Hardware is sold as one-time purchases with associated monthly service fees.
3. Monthly Service Subscriptions: Recurring monthly fees for POS systems, virtual terminal access, and kiosk services (e.g., Clover Kiosk at $34.95/month per device).
4. Merchant Account Services: Fees for merchant account setup and ongoing account maintenance, with dedicated support and account management included.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

AutoCard Solutions is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A. that provides credit card and debit card processing services to businesses. It resells Clover-branded POS hardware (Station, Mini, Flex, Go, Kiosk), a web-based virtual terminal, and Clover Invoicing software, enabling merchants to accept in-person, online, and mobile payments. Revenue is earned primarily through transaction-based processing fees, POS hardware sales, and recurring monthly service subscriptions.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing A secure payment processing service that enables businesses to accept Visa, Mastercard, and American Express credit card payments. Supports in-person, online, and over-the-phone transactions.
• Clover Station POS Next-generation countertop POS station providing inventory control, staff management, customer engagement, and payment processing for retail and restaurant businesses.
• Clover Mini POS Compact POS device with modern hardware design, security features, and support for EMV chip and contactless payments including mobile wallets.
• Clover Flex Mobile POS Full-featured handheld mobile POS device with built-in scanner, camera, and thermal printer, supporting offline transactions and up to 8 hours of battery life.
• Clover Go Mobile Payment Solution Mobile payment solution combining a smartphone app with an optional card reader that accepts chip, tap, and contactless payments (Apple Pay, Google Pay, Samsung Pay) at card-present rates.
• Clover Kiosk All-in-one self-service ordering kiosk for restaurants with a 24-inch customer display, 8-inch payment touchscreen, built-in thermal receipt printer, end-to-end encryption, and Wi-Fi, Ethernet, and LTE connectivity. Priced at $3,499 hardware plus $34.95/month per device.
• Virtual Terminal Secure web-based payment portal that enables businesses to process credit card, debit card, and electronic check transactions from any internet-connected device, with real-time monitoring, reporting, refunds, and chargeback management. Targeted at online, mail-order, and phone-order businesses.
• Clover Invoicing Billing solution integrated with Clover POS that lets businesses create and send professional invoices, track payment statuses, and manage billing workflows with automated payment reminders.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• Clover Network, LLC (First Data Corporation)coreTechnology or IntegrationAutoCard Solutions offers Clover-branded POS systems, kiosks, and invoicing solutions. Clover Network LLC is a wholly owned subsidiary of First Data Corporation. The partnership provides AutoCard access to Clover's POS hardware ecosystem (Station, Mini, Flex, Go) and software platform for reselling to merchant customers.

Recent moves1 record

Expansion highlights5 records

Direct peers

• Square (Block): Square is a leading SMB-focused payment processor and POS hardware provider, directly competing with AutoCard's Clover-based offering for retail and restaurant merchants. Both target price-sensitive small businesses with bundled hardware + software + processing, though Square sells proprietary hardware versus AutoCard's reseller model.
• Toast: Toast is a restaurant-specific integrated POS + payments platform whose self-ordering kiosk offering directly competes with AutoCard's Clover Kiosk product. Both target independent restaurants and emphasize hardware-software-processing bundles.
• Stripe: Stripe is a dominant integrated payment processor serving online and in-person SMB merchants. Like AutoCard, it offers virtual terminal and developer-friendly APIs, but at vastly greater scale and with proprietary technology rather than a reseller model.
• Shift4 Payments: Shift4 is an integrated payment processor focused on restaurants, hotels, and retail, offering POS-integrated processing, virtual terminals, and contactless acceptance. It directly competes with AutoCard's Clover-based restaurant and retail offerings.
• Heartland Payment Systems (Global Payments): Heartland is a large ISO-style merchant services provider under Global Payments, offering SMB payment processing, POS, and virtual terminal solutions much like AutoCard. It competes for the same SMB merchant accounts, particularly in retail and service businesses.
• North American Bancard: North American Bancard is a payment processor and ISO partner for SMBs, offering credit card processing, POS, and mobile payment solutions comparable to AutoCard's mix. It targets similar merchant segments with a similar reseller/agent distribution model.

Emerging players

• Stax (Fattmerchant): Stax is a subscription-based payment processor serving SMBs with transparent pricing on credit card processing and POS integrations. It competes with AutoCard on payment processing economics and merchant onboarding for small businesses.
• Lightspeed Commerce: Lightspeed provides cloud-based POS and integrated payments for retail and restaurants, overlapping with AutoCard's Clover Station and Kiosk use cases. Its software-led approach contrasts with AutoCard's hardware-resale focus, but they compete for the same SMB POS budgets.

Broad incumbents

• PayPal (Braintree): PayPal is a broad incumbent in online and in-person payments, competing across the same merchant segments AutoCard targets. Through Braintree and Zettle, PayPal offers SMB POS and processing similar to AutoCard's bundle, with significantly greater brand and capital resources.
• Fiserv (Clover direct): Fiserv owns Clover Network and competes with AutoCard by selling Clover hardware and processing directly to merchants, bypassing ISOs. It is the platform incumbent behind AutoCard's own offering and represents both a partner and a competitive threat.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AutoCard Solutions