Say Goodbye to Processing Fees forever

With recent law changes and the advancement of our proprietary software, your business can accept credit cards at No Processing cost to you!

university CoCard

Traditional Processing

In Store / Online / Mobile

  • Credit / Debit Card

  • Payment Terminal

    Charges 2.7% - 3.99% processing fee

  • Customer

    Pays no fee gets reward points

  • Merchant

    Receives 96% of sale amount

terminal with card
university CoCard

CoCard 0% Processing

In Store / Online / Mobile

  • Credit / Debit Card

  • Payment Terminal

    Auto-calculates 3.99% fee

  • Customer

    Pays small fee still gets reward points

  • Merchant

    Receives 100% of sale amount

terminal with card

See how much you can save

Use the calculator below to determine
your potential savings on monthly basis*

Monthly Credit Card Processing Volume


* This is an estimate based on industry average total month end percentage of 3.11%


Potential Monthly Saving with CoCard

Eliminate these cumbersome fees and start investing back in your business today.

Get Started

Here's how it works

Our software incorporates the processing fees into the sale and a small service fee is passed on to the card holder.

Customers are able to pay with cards and if they choose to pays with cash, they are rewarded with an instant discount.

As the business owner instead of paying 2-4% for accepting credit cards, you now will be able to keep 100% of the transaction amount, saving hundreds if not thousands of dollars per month.

Wide-ranging equipment for any business

We have a complete line up of most up to date, feature rich technology for all your Point of Sale needs.

  • Standalone terminals
  • Restaurant pos
  • Retail pos
  • Virtual terminal
  • Mobile pos

Compact, easy to use smart terminals designed for:

  • Retailers
  • Restaurants
  • Grocery Stores
  • Salons and more

Feature rich solutions at your finger trips designed for:

  • Restaurants
  • Counter Service
  • Bars
  • Hospitality

Modern retail Point of Sale solutions with rich reporting and inventory specifically for:

  • Retailers
  • Grocery Stores
  • Convenience Stores
  • Smoke Shops and more

Accept payments however your customers want to pay with Invoices, Payment Links, Recurring Payments and more:

  • Professional Services
  • Healthcare Providers
  • Nonprofit Organizations and more

Turn any smart phone or tablet into payment device and take payments on the go for:

  • Food Truck Vendors
  • Home Service Providers
  • Transportation Companies
  • On-Site Technicians and more

Hear from our satisfied customers

“ Great rates and very easy to work with CoCard. Incredibly easy to switch over, CoCard was there throughout the entire set up process and beyond. I can't believe how much I was overpaying with my previous processor! ”

Dasha M.

Saian Natural

“ Cocard has gone far beyond any expectations of the standard for new business help and "Point of Sale" logistics. Their unique integration of professional support and personal customizations on the back end, make working with the system less stressful and much more user friendly. As far as individuals go, Tigran is more than our sales representative and more than our customer support guru. He has been an integral part of our new business launch and success therein. CoCard and its staff members came through in ALL possible ways for us, even the unexpected. Thank you. ”

Phil J.

Platinum Wine Lounge

“ Excellent service. Very positive experience, quick responses, clear communication, genuine interest in my concerns, quick and easy set up and professional. I would highly recommend CoCard. ”


Farmer's Delicatessen and Bakery

“ Great service and rates! I shopped around quite a bit for some good merchant card providers and these guys have the best rate and service. Very quick responses if you need any support also. ”

Evan L.

Natural Effects

“ We are so glad we have switched our credit card processing to CoCard. Not only are our rates lower but it's a much easier system to use. ”

Lori L.

Accuracy Plus Reporting

Companies that already use CoCard

With recent law changes and the advancement of our proprietary software,
thousands of businesses are accepting credit cards without paying any processing fees
thanks to CoCard Zero Cost Processing.

Stop paying high processing fees

Start using our Zero Cost Processing solution today!

  • Easy to start
  • No hidden fees
  • Save from day one
Get Started

Interested in a Custom Quote?

Contact Sales