Authorized Credit Card Systems
Authorized Credit Card Systems is an Austin, Texas-based independent merchant services provider founded in 2006, offering credit card processing, payment gateways, POS systems, and terminal hardware to small and mid-sized merchants across Central Texas and statewide.
- Company typePrivate
- Founded2006
- HeadquartersAustin, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Authorized Credit Card Systems does
Authorized Credit Card Systems (ACCS) is an independent merchant services provider headquartered at 4515 Menchaca Road, Austin, Texas. Founded in 2006, the company processes credit and debit card transactions, ACH transfers, and e-commerce payments for small and mid-sized merchants, primarily across Central Texas and the broader state. Its product set spans credit card processing with next-day ACH settlement and zero-cost program options; payment gateways (iPOSPays, Authorize.net, Instant Accept, and CPTeller); terminal hardware from Pax, Verifone, Dejavoo, Ingenico, Poynt, and Clover; POS platforms (Clover, LINGA, Dejavoo, and the Union hospitality operating system); and integration connectors that push settlement, chargeback, and reconciliation data into QuickBooks, CRM, and ERP systems. The technology layer consists of tokenized payment APIs, AVS/CVV/3-D Secure risk controls, and standard EMV chip processing, with no proprietary platform of disclosed significance.
Authorized Credit Card Systems firmographics
Firmographics- Name
- Authorized Credit Card Systems
- Legal name
- Authorized Credit Card Systems
- Website
- https://authorizedccs.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Authorized Credit Card Systems is an Austin, Texas-based independent merchant services provider founded in 2006, offering credit card processing, payment gateways, POS systems, and terminal hardware to small and mid-sized merchants across Central Texas and statewide.
- Ownership category
- akta.pro rank
Authorized Credit Card Systems industry classification
Industry- Product category
- Merchant Services / Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)
Keywords
Where Authorized Credit Card Systems is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Authorized Credit Card Systems business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Payment Processing Transaction Fees: Merchant services revenue generated from processing credit and debit card transactions. Merchants pay processing fees (typically discussed in consultations; not publicly disclosed) for each transaction processed through terminals, POS systems, or e-commerce gateways.
- Zero-Cost Processing Programs: Compliant programs that can eliminate processing costs for merchants, likely involving interchange-plus pricing or revenue-sharing arrangements with processors.
- POS Supplies & Thermal Paper Sales: E-commerce sales of receipt paper, thermal rolls, and terminal supplies including Credit Card Thermal Paper ($39.99), POS Printer Thermal Receipt Paper ($95.99), and Poynt Credit Card Thermal Paper ($29.99).
- Equipment Provision & Processing Strategy: Free credit card processing equipment provided to merchants; company generates revenue through processing pricing structure rather than equipment sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Credit Card Thermal Paper — $39.99 per case |
| Unit Pricing | Pay-as-you-go | POS Printer Thermal Receipt Paper — $95.99 per case |
| Unit Pricing | Pay-as-you-go | Poynt Credit Card Thermal Paper — $29.99 per case |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Authorized Credit Card Systems product offering
Product offeringCore offering
Authorized Credit Card Systems is a merchant services provider that processes credit and debit card payments, supplies POS hardware and software (Clover, Linga, Dejavoo, Union), and integrates payment gateways, e-commerce checkouts, and ACH/electronic check services for businesses. The company pairs each merchant with a suitable processing network, offers free equipment and no long-term contracts, and provides integrations with QuickBooks, CRM, and ERP systems.
Product overview
Authorized Credit Card Systems (ACCS) is a merchant services provider offering a portfolio of payment processing products: core credit card processing with merchant accounts, ACH, e-commerce gateway, and invoicing services; point-of-sale systems including Dejavoo POS, Linga POS, and Union POS (hospitality-focused); payment terminals and hardware; payment gateways (iPOSPays, Authorize.net, Instant Accept, CPTeller); technology and system integrations connecting payments to QuickBooks, CRM, ERP, and analytics platforms; and terminal supplies. The company resells and supports multiple POS platforms while providing integration, onboarding, and local merchant support primarily in Central Texas.
Differentiator
Problem solved
Functional benefit
Brands
- Union: Hospitality operating system for bars, restaurants and beverage partners featuring guest-led ordering, POS, kitchen, rewards, and reporting.
- Clover POS
- LINGA rOS
Products and services
- Credit Card Processing
- Clover POS Systems Point-of-sale hardware and software suite from Clover, deployed by ACCS for merchants that need an integrated POS and payments terminal, often with free equipment and no long-term contract.
- Linga POS Systems Linga-branded point-of-sale solution resold and supported by ACCS, typically used by restaurant and hospitality operators.
- Union POS Systems Union-branded point-of-sale solution deployed by ACCS for hospitality and food-service merchants.
- Dejavoo POS Terminals Dejavoo-branded payment terminals resold and configured by ACCS for merchants that need a standalone EMV-ready card acceptance device.
- Payment Gateway Integration Integration of payment gateways (including Authorize.net and iPOSPays) into merchants' websites, POS systems, and back-office software to enable online and integrated card acceptance.
- e-Commerce Processing Online card processing setup and gateway integration for merchants selling goods or services via websites and online checkout flows.
- ACH and Check Processing Electronic ACH and check processing services for merchants that want to accept payments via bank transfer or check alongside card payments.
- Receipt Paper and Supplies Sale of receipt paper rolls and related terminal/POS supplies to merchant customers.
Quantifiable outcome
- Merchants can eliminate processing costs through zero-cost programs
- +2 more outcomes
Companies that use Authorized Credit Card Systems
Customer profileNamed customers12 records
Segments6 records
Ideal customer profiles3 records
Authorized Credit Card Systems technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Authorized Credit Card Systems partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and secondary.
- UnioncoreUnion is a hospitality operating system for bars, restaurants, and beverage brands. ACCS serves as a rollout and support partner, handling payment processing, hardware configuration, and local venue training for Union POS deployments. Features guest-led ordering, kitchen display, and rewards on one platform.
- ClovercoreClover POS ecosystem offered as all-in-one point-of-sale solution. ACCS provides Clover hardware, setup, and ongoing support services for merchants.
- LINGA rOScoreLINGA restaurant operating system offered for restaurant POS needs. ACCS provides Linga POS setup and support with emphasis on restaurant-specific features including mobile ordering, self-service kiosk, and pay-at-table capabilities.
- iPOSPayssecondaryPayment gateway integration option for merchants requiring online payment processing capabilities.
- Authorize.netsecondaryVisa solution gateway for payment processing, e-commerce, and virtual terminal needs.
- Payment Terminal ManufacturerssecondaryACCS supplies and supports hardware from various manufacturers including Pax, Verifone, Dejavoo, Ingenico, Poynt, and others. Compatible terminal supplies and paper rolls sold through e-commerce storefront.
- Multiple ProcessorscoreACCS works with multiple processing companies to match the right processor to each merchant's specific needs. Represents numerous processors enabling customized solutions rather than pushing a single processor's rates.
- QuickBookssecondaryQuickBooks integration for seamless payment and accounting data synchronization. ACCS offers QuickBooks-friendly payment processing workflows.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Authorized Credit Card Systems competitors and assessment
Company assessmentDirect peers
- Helcim: Canadian-headquartered merchant services provider selling directly to SMBs with transparent interchange-plus pricing and a multi-processor-style pricing engine — directly comparable to ACCS's consultative, transparent-fee ISO model.
- National Processing: U.S. merchant services ISO targeting SMBs across verticals with a multi-processor matching approach that mirrors ACCS's broker-style model.
- Payment Depot: Interchange-plus ISO selling directly to small and mid-sized merchants, very similar in GTM (consultative sales, transparent pricing, equipment included) to ACCS.
- Stax: Subscription-based payment processor targeting SMBs and ISVs, with a flat-monthly-fee model that competes head-on with ACCS's zero-cost and interchange-plus offerings for the same Texas-style SMB customer.
Broad incumbents
- Stripe: Developer-first payments platform dominant in e-commerce and SaaS — competes with ACCS for online sellers, particularly those needing gateway and QuickBooks-style integrations.
- PayPal: Broad payments incumbent providing processing for SMBs, e-commerce merchants, and POS — competes for the same Austin/Texas merchants that ACCS targets, especially in e-commerce.
- Square (Block): Dominant aggregator offering card processing, POS hardware/software, and software add-ons as a bundled SaaS — competes with ACCS for the same Texas SMB merchants but with a fully self-serve funnel and proprietary technology.
- Heartland Payment Systems (Global Payments): Large-scale acquirer and ISO selling processing and POS solutions to SMBs across verticals — a national-scale analog of ACCS's local merchant services motion.
- Clover (Fiserv): Fiserv-owned POS and merchant services platform that ACCS resells through its Clover partnership; also sells direct to merchants, making it both a supplier and a competitor in the same product category.
Emerging players
- Toast: Restaurant-specific POS and payments platform; competes with ACCS's Union/Linga/Dejavoo POS offerings for the same restaurant and hospitality merchants in Texas.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Authorized Credit Card Systems social profiles
Digital presenceAuthorized Credit Card Systems financial estimates
Financial estimateRevenue estimate
Valuation estimate
Authorized Credit Card Systems leadership team
Management profileNumber of profiles
Profiles9 records
Authorized Credit Card Systems funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Authorized Credit Card Systems M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Authorized Credit Card Systems
What does Authorized Credit Card Systems do?
Authorized Credit Card Systems is a merchant services provider that processes credit and debit card payments, supplies POS hardware and software (Clover, Linga, Dejavoo, Union), and integrates payment gateways, e-commerce checkouts, and ACH/electronic check services for businesses. The company pairs each merchant with a suitable processing network, offers free equipment and no long-term contracts, and provides integrations with QuickBooks, CRM, and ERP systems.
Is Authorized Credit Card Systems a public or private company?
Authorized Credit Card Systems is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Authorized Credit Card Systems founded?
Authorized Credit Card Systems was founded in 2006. It employs 1 to 10 people.
Where is Authorized Credit Card Systems based?
Authorized Credit Card Systems is headquartered in Austin, United States, in the North America region.
How does Authorized Credit Card Systems make money?
Four revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are zero-Cost Processing Programs, POS Supplies & Thermal Paper Sales and equipment Provision & Processing Strategy.
Who are Authorized Credit Card Systems's main competitors?
Direct peers on record are Helcim, National Processing, Payment Depot and Stax. Broad incumbents are Stripe, PayPal, Square (Block), Heartland Payment Systems (Global Payments) and Clover (Fiserv). Toast is listed as an emerging player.
Does Authorized Credit Card Systems have an API?
No public API is recorded for Authorized Credit Card Systems.
What industry is Authorized Credit Card Systems in?
Authorized Credit Card Systems's product category is Merchant Services / Payment Processing. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMABAC, Card-Present Acquirers (Retail & POS Focus). Its NAICS code is 52232.