credit card processing, merchant services, merchant accounts, payment systems, merchant processing, payment processing

About Us

COCARD is a merchant services provider currently serving over 30,000 merchant accounts.  COCARD is a cooperative of bankcard professionals with 89 member offices and approximately 400 sales representatives located in 23 states throughout the continental US.  The acceptance of electronic payment continues to expand and become more important as businesses try to provide their customers with a positive shopping experience.  We believe our mission at COCARD is to share our knowledge with our merchant base and become trusted partners.  Improving the bottom-line through reduced cost or streamlined acceptance always helps solidify that relationship.  COCARD has expertise in the set up of ALL types of businesses to accept electronic payments and we are anxious to work hard to become a strong partner to your business.

Why COCARD is Different

We want your decision to use our company to be logical, comfortable, and based on truth and full disclosure of the facts regarding the actual costs to process credit cards for your business.

We pride ourselves at being a "No Surprises" company and will always put our customer's needs ahead of our own.  Our open ended agreements have No Cancellation Fees and No Hidden Charges allowing us to earn your business day after day, with the utmost highest levels of customer service available and fantastic customizable rates, while leaving the flexibility to change should you choose in your power.

We know there are many other processors available for you to choose from, but we understand what it takes no only to earn your business at the beginning, but also how to maintain a mutually beneficial relationship for the long term.

  • No binding customized rates
  • No long term contracts
  • No account set up fee, no hidden fee, no termination fee
  • No surprises or risk for our customers
  • Fully disclosed qualified rate, mid qualified rate, and non qualified rate as well as all fees
  • Separate rewards rate categories instead of downgrading rewards cards into mid or non rate structure
  • Interchange plus contracts available
  • 24x7 online merchant account summary
  • 48/24 hour deposits available
  • Virtual terminal and PC based processing
  • Full integration for new and existing websites shopping cards
  • Check guarantee and check recovery services
  • Remote Deposit Capture
  • Wireless and mobile phone processing
  • Low cost new and refurbished equipment
  • 6 hour - next day equipment replacement guarantee
  • Free short term event loaner equipment
  • Customized gift and loyalty cards