Authorized Credit Card Systems

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.

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

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

• Merchant services
• Credit card processing
• Payment processing
• POS systems
• Payment gateway integration

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. Zero-Cost Processing Programs: Compliant programs that can eliminate processing costs for merchants, likely involving interchange-plus pricing or revenue-sharing arrangements with processors.
3. 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).
4. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers12 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and secondary.

• UnioncoreTechnology or IntegrationUnion 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.
• ClovercoreTechnology or IntegrationClover POS ecosystem offered as all-in-one point-of-sale solution. ACCS provides Clover hardware, setup, and ongoing support services for merchants.
• LINGA rOScoreTechnology or IntegrationLINGA 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.
• iPOSPayssecondaryTechnology or IntegrationPayment gateway integration option for merchants requiring online payment processing capabilities.
• Authorize.netsecondaryTechnology or IntegrationVisa solution gateway for payment processing, e-commerce, and virtual terminal needs.
• Payment Terminal ManufacturerssecondaryTechnology or IntegrationACCS 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 ProcessorscoreChannel Partner/ Reseller/ DistributorACCS 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.
• QuickBookssecondaryTechnology or IntegrationQuickBooks integration for seamless payment and accounting data synchronization. ACCS offers QuickBooks-friendly payment processing workflows.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct 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

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Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 Authorized Credit Card Systems