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Payment Processing

Local Service. Nationwide Solutions.

Every transaction is a promise between your business and your customer. Card Concepts Merchant Services helps you keep that promise through reliable technology and responsive, local support.

From brick-and-mortar stores to online marketplaces, our systems handle millions of secure transactions every month—without the hidden fees or confusion that burden most processors. We don’t just connect payments; we connect people, platforms, and progress.

Why Choose Card Concepts?

Transform How You Handle Every Dollar

Our team believes that transparency and trust are non-negotiable. Every service we offer is designed to make your payment process simpler, faster, and more reliable—so you can focus on growth, not guesswork.

Built for Every Business

Whether you’re a local retailer or a national brand, our platform adapts to your scale and systems.

No Hidden Fees

Our rate structures are clear from day one, so you always know where your money goes.

Always Improving

Partnering with leaders like Tsys ensures your payment technology remains at the forefront of innovation.

Secure & Compliant

All solutions meet the latest PCI and data-encryption standards for total peace of mind.

Services

Smart Solutions for Modern Merchants

Our platform powers businesses across every major industry. Each service is engineered to create clarity, efficiency, and long-term savings—without compromising security or support.

E-Commerce Processing

Your Online Store, Seamlessly Connected

E-Commerce Processing

Integrate your website, cart, and checkout experience through Authorize.net or NMI gateways. Enjoy real-time reporting, fraud protection, and reliable uptime—built for growth.

Mobile Processing

Take Payments Anywhere

Mobile Processing

Accept secure transactions from any phone or tablet. Ideal for delivery teams, pop-ups, and service professionals who need flexibility without losing control of their data.

Check Services

Modern Check Acceptance

Check Services

Process checks electronically with instant verification and fewer returns. Our system reduces risk while keeping your preferred payment options open for every customer.

Credit Card Processing

The Core of Every Transaction

Credit Card Processing

Fast approvals, clear pricing, and reliable support. Whether it’s Apple Pay or Google Pay, our network makes every tap, dip, and swipe effortless.

Business Insights

Turn Data Into Decisions

Business Insights

Access real-time analytics and detailed performance tracking to understand your revenue flow, monitor trends, and optimize your payment strategy.

Our Commitment

For over two decades, Card Concepts has helped thousands of merchants process with confidence. We believe that clarity should come standard—so we take time to explain every rate, review every statement, and tailor every setup to fit your operations.

Our promise is simple: better technology, fair pricing, and people you can actually reach. That’s how we process Trust—not just transactions.

For over two decades, Card Concepts has helped thousands of merchants process with confidence. We believe that clarity should come standard—so we take time to explain every rate, review every statement, and tailor every setup to fit your operations.

Our promise is simple: better technology, fair pricing, and people you can actually reach. That’s how we process trust—not just transactions.

Reviews

What Our Clients Say

From family-owned shops to regional chains, our partners choose Card Concepts because our service is consistent, our support is personal, and our systems perform.

Jessie W.
Google Review
Lifetime Customers Love Us
☆ ☆ ☆ ☆ ☆

"Our business has been using Card Concepts since 2014 and they have never let us down. Anytime we’ve had an issue it’s been fixed with a simple phone call where we usually get through to a real person. — Highly recommend their services to anyone looking for big results with small-company friendliness."

Vanessa A.
Google Review
Former Customers Recommend Us
☆ ☆ ☆ ☆ ☆

"I had the privilege of working with Travis and his team when I was working in the restaurant field and they made training and install super easy. Now as an accountant I send my clients to Travis for all their POS and Credit Card Processing needs. Travis makes it easy to get set up and make sure everything is running smoothly!"

Mike B.
Google Review
New Customers Choose Us
☆ ☆ ☆ ☆ ☆

"Travis and his staff have been incredibly professional and helpful. We switched our shop over to Card Concepts a few months ago, and thanks to Travis, we have been saving a considerable amount in service fees."

Jason H.
Google Review
Customers Stay With Us
☆ ☆ ☆ ☆ ☆

"We've used Card Concepts for over 10 years at our 2 locations. Travis has provided amazing customer service. I've always been able to get a hold of him or his team right away. It's so nice to be able to make a direct call to a person locally instead of calling an 800 number and waiting on hold. Highly recommended.

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Get Ready

Simplify How You Get Paid

The right partner makes all the difference. Whether you need to modernize your POS setup, launch online payments, or streamline merchant reporting, Card Concepts is ready to help.

Our team of experienced payment professionals will walk you through setup, compare rates, and configure your systems for long-term success. No hidden fees, no wasted time—just a clear path to easier, faster, and more reliable transactions.

Contact Us