COCARD in Red Marker

Looking for your perfect match in the industry?

Look no further than COCARD for a company that puts its agents and member owner offices first. Our entire program was developed with the goal of setting you apart from the competition and helping you to succeed in the marketplace. We want all of our partners to be able to completely control their own destiny. Each member is part-owner of COCARD, and no CEO or other executive management team exists to take a large amount of revenue, or cause an increase in rates and fees to partners and merchants. We are a unique company in the electronic payment space. Our prices are competitive, and we provide superior customer service to our merchant base and our partners.

COCARD is unlike any other credit card processing provider. Not only do we offer a full range of merchant solutions, but we also provide unique sales programs to our member partners. Our compensation plans are also among the most lucrative that are available. COCARD’s flexible revenue sharing program gives every member the opportunity to take advantage of 90% splits while still offering some of the lowest rates to the merchant. This makes COCARD a WIN/WIN for all parties.

With COCARD, you can rest assured that you have partnered with a stable, reliable company you can count on. We have been in business since 1999, and we have NEVER failed to follow through with our commitments to our partners or to our merchants. Trusted, tried and true…… Let COCARD show you our difference!

If you are interested in exploring the opportunities available at COCARD, please contact:


COCARD is a unique company that is owned and managed by its members, for the benefit of the individual member. Our mission is to provide a pathway for members and resellers to maximize the value each member brings to their organization and customers. Our focus is to improve each member’s individual business strategies without compromising their entrepreneurial spirit. By collectively pooling our resources and brain trust our goal is to enhance the overall economic return and security for all members.


1. Maximize income: COCARD offers the highest percentage/split in the industry combined with leveraged buy rates from top processors along with extremely competitive pricing from third party vendors.

2. Security in Numbers: Members have control and ownership of revenue, as well as the security of knowing that their income will be protected.

3. Multiple platforms: Our multiple platforms include First Data Omaha, First Data North, First Data Buypass/Concord, TSYS, Global, and eProcessing.

4. Operating agreement: COCARD’s operating agreement protects all members and guarantees equality between all member offices.

5. Non-exclusive reseller agreement: COCARD will not force members to send business through COCARD. The reseller agreement also protects recurring revenue for life.

6. Ownership: Members have an ownership interest (units) in the “controlling” company. It’s an investment that can be monetized in the future at an above market multiple.

7. Exit strategy: Members have the option to include merchant portfolio on a “tag along” provision in any future capital transaction.

8. You have a say: COCARD members can be owners themselves, rather than just another ISO. Our member offices have the option of participating in making policy, rather than just following it. Member offices can run for a seat on the board or committee in order to help guide the company, and can also earn “voting rights” by obtaining a certain level of portfolio performance.

9. Shared Brain power: Our members are interested in each other’s success, so there is no problem with sharing ideas, concepts, and marketing tools and value-added products.

10. Transparency and Trust: COCARD is a true democracy and is the only owner operated organization of its kind in the industry. Board minutes, contracts, pricing, P & L’s, budgets, expenses and residual reporting are all made available openly to our members.


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