Smart Payments. Bigger Savings.
Whether you take payments online, in person or without a card present - we help you lower costs, simplify compliance, and take control of your bottom line with secure, custom-fit payment solutions.
Who We Help
B2B Companies
Manufacturers, Distributors, Wholesalers
For those who build, move, or supply - from factories to fulfillment.
Business Services
Consultants, Engineers, Coaches & More
Professional service providers who rely on billing accuracy and payment efficiency.
Medical Practices
Dental, Medical Clinics, Physical Therapists
Clinics and healthcare providers that handle in-person payments and recurring billing.
High Risk
CBD, Firearms & More
For businesses in regulated industries that need secure, compliant, and cost-effective payment solutions.
E-Commerce
Online Sellers & Website Developers
For businesses that sell digitally and want lower costs and seamless integration.
Why Businesses Choose Us for Payments
Automatically qualify for Level 2 & 3 rates and cut your fees without changing how you operate.
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Lower Processing Costs
Offset or eliminate card processing fees - legally and transparently.
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Dual Pricing & Cash Discounting
QuickBooks Online, invoicing, mobile apps, virtual terminals—you name it.
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Integrated Tools That Work for You
ACH, card-present, mobile, recurring, or invoiced—handled with ease and PCI compliance.
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Flexible, Secure Payment Options
Customized payment processing to fit your unique business needs.
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Tailored Solutions
Expert Support
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Dedicated assistance every step of the way.
Business That Made the Switch
The service I have received from Karen Widas has been nothing short phenomenal. I wish all my reps were as responsive and thorough as her. Karen has been helping me with PCI Compliance since before I was even a client of hers (that's a long story). Karen's exceptional service is a big reason why I am now a client of hers. She recently helped me navigate some P2PE stuff associated with PCI Compliance that has made staying compliant way more efficient, and a lot less of a headache. Anyone who has to deal with PCI Compliance knows that's a whole other language that might as well be Greek. Karen's helpfulness is beyond words, and I'm extremely grateful to have her in my circle.
– Brent Luther, Owner, Family Nutrition Center
“I was using QuickBooks Online for my invoicing and payment processing because of the convenience.
I knew I was paying too much in processing fees, but I wasn’t willing to deal with the hassle of receiving payments in a separate system and manually entering the info into QuickBooks.
Karen recommended that I leverage her payment processing and a solution that easily integrates with QuickBooks to process client payments.
He solution and QuickBooks sync automatically. The switch was easy and I’m saving 10% on my processing fees.
I highly recommend talking to Karen about how you can save money on credit card processing.”
– Melissa Swink - Founder & CEO, Melissa Swink & Co.
“Working with Karen at CoCard was a no brainer once we sat down, met, and discussed our options. As a cash-based performance physical therapy and sports medicine clinic, many of our patients utilize HSA funds, and then some use debit/credit cards. As we are solely a cash clinic, seeing the amount of fees taken out of each transaction was gut-wrenching at times. Our new system has saved us a TON of money in processing fees, which in turn is more money to invest into our business.
The customer service that Karen provides is second to none. She met with us, educated us on a few different options, and gave her recommendation as to which plan she felt worked best for us.
The only regret we have is not starting with her sooner!
If you are a cash-based performance physical therapy clinic, we highly recommend working with her!”
– Trevor Folker, MS, LAT, ATC, PES - Owner, MVMT Performance & Rehabilitation
