Card Solutions International
Card Solutions International is a private Florida-based ISO merchant services provider, founded in 1996, that resells credit and debit card processing, payment gateways, mobile readers, and electronic check acceptance to thousands of small and medium-sized US and Canadian merchants under no-contract, interchange-plus pricing.
- Company typePrivate
- Founded1996
- HeadquartersRoyal Palm Beach, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Card Solutions International does
Card Solutions International, LLC is a private merchant services provider founded in 1996 and headquartered in Royal Palm Beach, Florida. The company operates as an independent sales organization (ISO/MSP) licensed through NPP, a registered ISO/MSP of First National Bank of St. Louis, Missouri. It is licensed in all 50 US states and Canada and serves primarily small and medium-sized merchants across retail, internet/e-commerce, mail-order/telephone-order (MOTO), mobile, restaurant, service, and government segments. The company emphasizes no-contract, no-termination-fee, no-annual-fee service with a 98% merchant application acceptance rate and an A+ Better Business Bureau rating maintained since 1997.
The company's product portfolio spans physical credit card terminals, mobile card readers (ProPay JAK, MagTek QwickPAY), payment gateways (Authorize.Net, I-Transact) with virtual terminal and AVS fraud protection, shopping cart solutions (CartManager, osCommerce, agora cart, RediCart), recurring billing, and electronic check processing (RediEFT via Check Gateway). Underlying technology is built on reseller/integration partnerships rather than proprietary processing infrastructure; the company does not operate its own payment processor, gateway, or core banking platform. Distribution is delivered via trained agents on toll-free phone lines (extended hours to 2am), a free secure online application, and a referral network of web developers and ISPs.
Card Solutions International generates revenue primarily from interchange-based transaction processing fees on Visa, MasterCard, Discover, American Express, and debit card volume, supplemented by monthly gateway/hosting fees, equipment leasing/placement programs (with a free terminal model tied to a 3-year processing agreement), shopping cart hosting ($19.95/month), and ancillary statement/minimum fees. Customer acquisition is largely relationship-driven: a $10 VISA gift card is offered for rate reassessments, and customer testimonials emphasize personalized service over price competition. The customer base is described as "thousands" of merchants with a 99.9% account retention rate, with named customers spanning pharmacies, dry cleaners, government agencies, schools, and chambers of commerce.
Card Solutions International firmographics
Firmographics- Name
- Card Solutions International
- Legal name
- Card Solutions International, LLC
- Website
- https://cardsolutions.us
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Card Solutions International is a private Florida-based ISO merchant services provider, founded in 1996, that resells credit and debit card processing, payment gateways, mobile readers, and electronic check acceptance to thousands of small and medium-sized US and Canadian merchants under no-contract, interchange-plus pricing.
- Ownership category
- akta.pro rank
Card Solutions International industry classification
Industry- Product category
- Merchant Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)
Keywords
Where Card Solutions International is headquartered
LocationHeadquarters
- HQ city
- Royal Palm Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Card Solutions International business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Transaction Processing Fees: Percentage-based fees charged on each credit/debit card transaction processed. Rates vary by transaction type: retail swipe (0.35% for debit), internet/keyed (0.35% for debit), with higher rates for credit cards, rewards cards, and corporate cards. Fees are deducted from deposits before forwarding to merchant checking account.
- Gateway/Monthly Fees: Monthly gateway hosting and support fees for online processing accounts. Setup costs may be one-time charge or monthly lease option. Additional fees for e-checks service.
- Equipment Leasing: Free terminal placement program with 3-year processing agreement. Merchants pay annual fee ($75), statement fee ($10), monthly minimum ($20). Equipment must be returned upon termination or retail value charged.
- CartManager Hosting: Shopping cart hosting service with SSL security certificate. $19.95/month with merchant account, $23.95/month without merchant account.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Internet/Keyed Transaction Rate |
| Usage-based | Pay-as-you-go | Retail Swipe Transaction Rate |
| Usage-based | Pay-as-you-go | Mail Order/Telephone Order Rate |
| Freemium | Pay-as-you-go | Application and Setup |
| Subscription | Monthly | American Express Processing |
| Subscription | Monthly | Terminal Program Fees |
| Transaction based/ take rate | Monthly | RediEFT (Electronic Check Processing) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Card Solutions International product offering
Product offeringCore offering
Card Solutions International is a merchant services provider that processes credit and debit card transactions for small to medium businesses. The company offers merchant accounts, physical credit card terminals, mobile swipe readers, payment gateway services (Authorize.Net, I-Transact), virtual terminal access, shopping cart integration, and electronic check processing (RediEFT). Operating as an independent authorized agent (ISO/MSP) of First National Bank of St. Louis via NPP, Card Solutions supports Visa, MasterCard, Discover, American Express, and debit/ATM cards across retail, e-commerce, mobile, and mail-order/telephone-order channels.
Product overview
Card Solutions International is a merchant services provider offering a comprehensive payment processing ecosystem. The core offering consists of merchant account services supporting Visa, MasterCard, Discover, American Express, and debit cards across retail, mobile, phone, and internet channels. Product portfolio includes: terminal processing with free equipment placement; payment gateways (Authorize.Net, I-Transact) with integrated Virtual Terminal; mobile solutions via MagTek/QwickPAY and ProPay; shopping cart integration (CartManager, osCommerce, RediCart); RediEFT for electronic check processing; and fraud protection tools including AVS. The company operates on Interchange Plus pricing with no contracts or annual fees, and functions as an ISO/MSP agent of First National Bank of St. Louis.
Differentiator
Problem solved
Functional benefit
Products and services
- Merchant Account Services Core credit and debit card processing service for retail, mail order, telephone order, and internet merchants. Supports Visa, MasterCard, Discover, American Express, and ATM/debit cards. Merchants apply and receive a merchant account with Interchange Plus pricing, no contracts, and no cancellation fees.
- Terminal Processing Program Physical credit card terminal placement and processing service offering free terminal placement (new or refurbished) for swipe merchants with bilingual displays and support for up to 20 merchant accounts. Requires 3-year processing agreement with annual fee of $75, statement fee of $10, and monthly minimum of $20.
- Mobile Swipe Readers Smartphone and tablet card reader solutions including MagTek QwickPAY for iPhone, iPad, iPod Touch, and Android devices with annual prepaid pricing and no transaction fees, plus ProPay JAK Mobile Card Reader via audio jack with encrypted swipe data.
- Payment Gateway Services Internet payment gateway solutions including Authorize.Net (99.6% uptime, 250 free transactions/month) and I-Transact (500 free transactions/month, 5-star Internet.Com rated) for real-time online transaction processing, Virtual Terminal access, and shopping cart integration.
- Phone Program Mobile phone-based payment processing using ProPay JAK Mobile Card Reader that plugs into smartphone audio jack, encrypting cardholder data at swipe and enabling card-present rates for mobile and field service merchants.
- Shopping Cart Solutions Multiple shopping cart options including CartManager (with QuickBooks integration and SSL certificate), osCommerce, agora cart, and RediCart for e-commerce website integration with Authorize.Net and I-Transact gateways.
- RediCart Shopping Cart Free Perl-based shopping cart system for I-Transact gateway with no per-transaction or usage fees, supporting credit card, check, and EFT payments in real-time on Unix/LINUX servers with Perl 5 or higher.
- RediEFT Electronic Check Processing Electronic check processing service (Checks by Net) allowing customers to pay online via checking account with ABA bank code verification. $99 application fee, $0.50 per transaction, $20 monthly maintenance, $2.00 returned item fee. Available for transactions under $850.
- Card Imprinters Manual card imprinting devices for backup proof of card-present transactions to prevent keyed-in chargebacks for merchants who need physical card evidence.
Quantifiable outcome
- 98% acceptance rate for merchant applications including those with bad credit
- +4 more outcomes
Companies that use Card Solutions International
Customer profileNamed customers11 records
Segments6 records
Ideal customer profiles5 records
Card Solutions International technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature6 records
Card Solutions International partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Authorize.NetcoreAuthorize.Net Gateway - Internet's #1 Gateway. Offers 99.6% uptime, 250 free transactions/month, virtual terminal, AVS validation, recurring entries software, and fraud control suite.
- I-TransactcoreI-Transact Gateway highly recommended by web developers and processors. 5-star rated by Internet.Com. Offers 500 free transactions/month, virtual terminal, and advanced fraud controls.
- ProPaycoreProPay JAK Mobile Card Reader partnership offering lower rates with encrypted card reader. Includes ProtectPay for storing card data. Application free, one-time device price $10.
- Web Developers and ISPsminorReferral network of web developers and Internet service providers recommending Card Solutions to their clients nationwide and overseas. Growing referral source for new merchant accounts.
- Natural ConceptsminorWeb design and hosting company that exclusively uses Card Solutions for setting up merchant accounts for new web page clients. 10+ year relationship.
- RPB AdvisorsminorE-commerce, hosting, domain registration, integration, and web development specialists who partner with Card Solutions for client payment processing.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Card Solutions International competitors and assessment
Company assessmentEmerging players
- SumUp: SumUp offers mobile card readers and payment processing primarily to micro and small merchants. Compares to Card Solutions' mobile swipe programs (ProPay JAK, MagTek QwickPAY) for home-based and mobile service businesses.
- Toast: Toast provides integrated POS and payment processing tailored to restaurants. Tangential overlap with Card Solutions' restaurant merchant segment but a specialized vertical competitor.
Direct peers
- Helcim: Helcim is a merchant services provider focused on transparent interchange-plus pricing for SMBs, similar to Card Solutions' "no contracts, no annual fees" model. Competes head-to-head in the U.S. and Canadian SMB market.
- Dharma Merchant Services: Dharma is an SMB-focused merchant services provider emphasizing transparent pricing and customer service. Closely comparable to Card Solutions' relationship-led, SMB-focused model.
- Payment Depot: Payment Depot is a subscription-based merchant services provider targeting SMBs with interchange-plus pricing and no long-term contracts. Closely mirrors Card Solutions' value proposition and SMB target customer.
- Stax by Fattmerchant: Stax is a merchant services provider offering subscription-based interchange-plus pricing for SMBs. Direct competitor to Card Solutions in transparent, contract-light SMB payment processing.
- National Processing: National Processing is a U.S. merchant services ISO offering card-present and e-commerce processing for SMBs. Comparable business model and customer base to Card Solutions International.
- Stripe: Stripe is a leading online payment processing platform for SMBs and enterprises. Directly competes with Card Solutions' e-commerce and internet/MOTO processing offerings via Authorize.Net and I-Transact gateways.
- Square (Block, Inc.): Square is a leading SMB merchant services and POS provider offering card-present swipe, online payments, mobile readers, and software. Most direct competitor to Card Solutions in the U.S. small business segment.
- PayPal: PayPal provides merchant payment processing solutions (PayPal Commerce, Braintree, PayPal Zettle) for SMBs online and in-person. Directly comparable to Card Solutions across online, mobile, and retail card acceptance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Card Solutions International social profiles
Digital presenceCard Solutions International financial estimates
Financial estimateRevenue estimate
Valuation estimate
Card Solutions International leadership team
Management profileNumber of profiles
Profiles1 record
Card Solutions International funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Card Solutions 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 Card Solutions International
What does Card Solutions International do?
Card Solutions International is a merchant services provider that processes credit and debit card transactions for small to medium businesses. The company offers merchant accounts, physical credit card terminals, mobile swipe readers, payment gateway services (Authorize.Net, I-Transact), virtual terminal access, shopping cart integration, and electronic check processing (RediEFT). Operating as an independent authorized agent (ISO/MSP) of First National Bank of St. Louis via NPP, Card Solutions supports Visa, MasterCard, Discover, American Express, and debit/ATM cards across retail, e-commerce, mobile, and mail-order/telephone-order channels.
Is Card Solutions International a public or private company?
Card Solutions International is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Card Solutions International founded?
Card Solutions International was founded in 1996. It employs 11 to 50 people.
Where is Card Solutions International based?
Card Solutions International is headquartered in Royal Palm Beach, United States, in the North America region.
How does Card Solutions International make money?
Four revenue lines are on record. Transaction Processing Fees are the primary driver. The others are gateway/Monthly Fees, equipment Leasing and cartManager Hosting.
Who are Card Solutions International's main competitors?
Emerging players on record are SumUp and Toast. Direct peers are Helcim, Dharma Merchant Services, Payment Depot, Stax by Fattmerchant, National Processing, Stripe, Square (Block, Inc.) and PayPal.
Does Card Solutions International have an API?
No public API is recorded for Card Solutions International.
What industry is Card Solutions International in?
Card Solutions International's product category is Merchant Services. Its primary akta.pro industry code is CRAFALAB, Merchant Acquiring & Card Processing (PSPs). Its NAICS code is 52232.