Merchant Solutions

At COCARD, we leverage our relationships with the industry’s largest payment processors to bring our customers the best service at competitive rates. Our access to multiple platforms gives your business the flexibility to better serve your individual needs. We work with the latest, most technologically advanced products and software, and constantly seek to update our offerings.

We provide the latest processing solutions for all merchant types including from retail to restaurants to e-commerce. COCARD, along with its partners, supports all major card providers, gift and loyalty cards, and check processing. With Revonu, COCARD’s proprietary point-of-sale solution, we make processing easier from our all-in-one, tablet-based solution. Whether on tablet or Windows, we have your business covered.

At COCARD, we’re dedicated to helping our clients thrive in any situation, including the challenges of the COVID-19 pandemic. We’ve given our clients the adaptive edge with contactless solutions, protective shields for checkout, and the secure online services that have always set us apart.

As COCARD also has direct access to numerous ancillary vendors, our merchants can stay ahead of the ever-changing payments environment with value-added and special services. Explore new ways to improve brand recognition, customer loyalty, and the bottom line. We offer a wide range of services, including

  • Flexible merchant loan programs
  • Gift & loyalty card programs
  • Contactless processing
  • Back office check conversion (BOC/RDC)
  • Tailored solutions designed for QuickBooks® users.
  • Cash discount programs
  • Non-cash adjustment solutions

COCARD has the experience, processing partners, and comprehensive product line to provide the best processing solution for your business. 

We welcome the opportunity to EARN your business. We have a well-developed product suite to meet the needs of any business, including:


COCARD offers exciting solutions for merchants who operate retail storefronts. Harness the power of a high speed Point-of-Sale (POS) terminal or COCARD’s revolutionary Point of Sale System, Revonu. Instantly authorize customers’ orders and provide efficient customer service.


The COCARD Restaurant Solution, Revonu POS, replaces your cash register and payment terminal with an easy-to-use point of sale system supported on both tablet and Windows. Get an edge with a specialized software package and advanced payment processing.


Let COCARD be your hotel merchant account partner with features designed and integrated especially for the hotel business.


At COCARD, we know that your potential customers are just one click away from buying elsewhere, and any snag can sink a sale. That’s why we ensure your customers have a secure, PCI compliant, and seamless payment processing experience.


We’re keenly aware that the donation and payment processing needs of the non-profit market are very different from those of traditional retailers. COCARD offers online and POS solutions specifically tailored to meet those needs, including full PCI compliance, donor data management and storage, and ACH/check processing.


COCARD lends its seamless solutions to the unique challenges of the healthcare industry. We work with medical specialists across the board, helping our clients to strengthen their receivable turnover and make life easier for their patients.

Gas Stations &
Convenience Stores

With COCARD, you’ll be able to access payment processing programs designed for the petroleum/convenience industry. Fast, safe and easy solutions like accepting small ticket items and fleet cards are a great way to pump more money into your business.

High-Risk Merchants

Many processors turn down “high risk” merchants and industries, meaning those with a high rate of chargebacks or fraud. COCARD has a unique program for these merchants and a special processing platform to get the account approved.


COCARD has two decades of experience providing government institutions the security and information they need to transact with confidence, including Level III data.


With the COCARD Association Program, local businesses or association groups can earn referral income. Contact us for more information on how to earn passive income with our services!

Financial Institutions

In a tough regulatory environment, it’s getting harder and harder for financial institutions to offer merchant services. Let COCARD cut through the red tape to expand your reach and reduce friction for your clients.