CardChoice International
CardChoice International is a Fairfield, NJ-based registered ISO payment processor that delivers integrated card, ACH, mobile, and e-commerce acceptance, plus gift, loyalty, cash advance, healthcare, and payroll solutions, primarily to SMB healthcare and retail merchants across the United States.
- Company typePrivate
- Founded2001
- HeadquartersFairfield, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What CardChoice International does
CardChoice International is a U.S.-based payment processing company operating as a registered Independent Sales Organization (ISO) and Member Service Provider (MSP) of Citizens Bank, NA (Providence, RI), and registered with Visa, MasterCard, Discover, and American Express. Founded around 2001 and headquartered in Fairfield, New Jersey, the company delivers merchant payment acceptance across retail (in-person), mail order/telephone order (MO/TO), e-commerce, and mobile channels through a single integrated merchant account. Its product suite spans credit and debit card processing, electronic check and ACH processing, gift and loyalty card programs, merchant cash advance, consumer finance (3/6/12-month same-as-cash plans up to $5,000), healthcare patient payment portals, e-commerce gateways with real-time processing, subscription-based mobile POS for iOS tablets, zero-cost surcharging programs (available in 44-45 states), and PCI-DSS-compliant processing with a merchant compliance portal. Underlying technology includes a PCI-integrated processing platform, a Software Development Kit (SDK) for partner integration, virtual terminals, and free 24/7 online reporting.
The business model is primarily transaction-fee based: CardChoice earns interchange-plus or flat-rate fees on credit, debit, ACH, and gift/loyalty transactions, plus revenue share on merchant cash advances (automated repayment via a fixed percentage of settled card sales) and referral-based revenue from payroll services delivered through a strategic partnership with ADP. Pricing is quote-based and not publicly disclosed; the company relies on a free "complimentary rate review" consultative sales motion, direct phone sales (toll-free 866.350.3200), and four formal partner programs (Referral, Association, Trusted Adviser, Software Development) to acquire merchants. Customer segments are verticalized, with primary focus on healthcare practitioners (medical, dental, chiropractic, veterinary practices and medical billing companies) and retail/franchise operations, plus secondary segments in non-profits and trade associations, e-commerce merchants, and small-to-mid-sized businesses requiring bundled payment, payroll, and working capital solutions.
CardChoice International firmographics
Firmographics- Name
- CardChoice International
- Legal name
- CardChoice International
- Website
- https://cardchoice.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CardChoice International is a Fairfield, NJ-based registered ISO payment processor that delivers integrated card, ACH, mobile, and e-commerce acceptance, plus gift, loyalty, cash advance, healthcare, and payroll solutions, primarily to SMB healthcare and retail merchants across the United States.
- Ownership category
- akta.pro rank
CardChoice International industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Sales Financing (52222), Other Nondepository Credit Intermediation (52229)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industry
- Cards Operations (Issuing/Acquiring Support, Disputes & Chargebacks) (FSABALAC)
Keywords
Where CardChoice International is headquartered
LocationHeadquarters
- HQ city
- Fairfield
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CardChoice International business model
Business model- GTM type
- B2B
- Offering type
- Services
Revenue model
- Payment Processing Fees: CardChoice earns revenue through transaction fees for processing credit cards, debit cards, ACH/check transactions, and other electronic payments. The company offers zero cost processing solutions where fees are passed to customers as surcharges.
- Merchant Cash Advance: Provides working capital to merchants based on future credit card sales. CardChoice purchases a fixed dollar amount of future credit card sales at a discount and collects repayments through a percentage of settled transactions.
- Gift and Loyalty Card Programs: Branded gift card and loyalty reward programs for merchants, generating revenue through card issuance and transaction processing.
- Payroll Services: Partnered with ADP to offer payroll processing services. Revenue is generated through payroll processing fees integrated with the merchant account.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Custom Rate Review |
| Subscription | Monthly | Mobile POS Subscription |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
CardChoice International product offering
Product offeringCore offering
No substantive source content about CardChoice International was provided in the input beyond the company name, so a description of the core offering cannot be substantiated from the input data.
Product overview
CardChoice International is a payment processing company offering a unified suite of payment solutions. The portfolio consists of core processing products (Credit & Debit Card Processing, Check & ACH Processing, Gift Cards, Loyalty Cards, Cash Advance, Consumer Finance, Healthcare Patient Payments, Payroll Services, E-commerce Merchant Account, Mobile Payments, Zero Cost Processing, and PCI Compliance) plus an add-on service (Complimentary Rate Review). These products share a common merchant account infrastructure and integrate across payment channels (retail, MO/TO, e-commerce, mobile), with a virtual terminal and reporting platform as the common interface. The solutions span from basic card processing to specialized verticals (healthcare, payroll) and value-add services (loyalty, gift cards, cash advances).
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Merchants can offset credit card processing fees to zero through zero cost processing programs in eligible states
- +2 more outcomes
Companies that use CardChoice International
Customer profileNamed customers8 records
Segments5 records
CardChoice International technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
CardChoice International partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- ADPcoreCardChoice International has partnered with ADP, a company with over 60 years of payroll expertise that pays one in six U.S. employees. The partnership delivers payroll and payroll tax solutions including automated federal, state, and local tax management, SUI management, new hire reporting, workers' compensation premium payment program, retirement plan solutions (401k, SIMPLE IRAs), and unlimited HR professional access.
- VisacoreCardChoice International is registered with Visa as an ISO/MSP, requiring adherence to the highest standards of accountability and ethics. This enables the company to provide Visa payment processing services.
- MasterCardcoreCardChoice International is registered with MasterCard as an ISO/MSP, enabling the company to provide MasterCard payment processing services to merchants.
- American ExpresscoreCardChoice International is registered with American Express as an ISO/MSP, providing access to American Express payment processing and the AmEx OnePoint Program for merchants.
- Discover Financial ServicescoreCardChoice International is registered with Discover as an ISO/MSP, enabling the company to provide Discover payment processing services.
- Sage ISO Advisory CouncilminorCardChoice International is a member of the Sage ISO Advisory Council, a professional network of payment processing industry participants.
- New York State Society of CPAsminorCardChoice International serves as a trusted advisor to the New York State Society of CPAs, referring their business clients to CardChoice for payment processing needs.
- WSI (World's Largest Internet Consulting Franchise)minorCardChoice International is an authorized supplier to WSI, the world's largest internet consulting franchise, providing payment processing services to their franchise network.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
CardChoice International competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
CardChoice International social profiles
Digital presenceCardChoice International financial estimates
Financial estimateRevenue estimate
Valuation estimate
CardChoice International leadership team
Management profileNumber of profiles
CardChoice International funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CardChoice International 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 CardChoice International
What does CardChoice International do?
No substantive source content about CardChoice International was provided in the input beyond the company name, so a description of the core offering cannot be substantiated from the input data.
Is CardChoice International a public or private company?
CardChoice International is a private company. It is classified as unknown and is currently operating.
When was CardChoice International founded?
CardChoice International was founded in 2001. It employs 11 to 50 people.
Where is CardChoice International based?
CardChoice International is headquartered in Fairfield, United States, in the North America region.
How does CardChoice International make money?
Four revenue lines are on record. Payment Processing Fees are the primary driver. The others are merchant Cash Advance, gift and Loyalty Card Programs and payroll Services.
Does CardChoice International have an API?
No public API is recorded for CardChoice International.
What industry is CardChoice International in?
CardChoice International's product category is Payment Processing Services. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSABALAC, Cards Operations (Issuing/Acquiring Support, Disputes & Chargebacks). Its NAICS code is 52222 and its SIC code is 6099.