THE COCARD ADVANTAGE

COCARD is pleased to be a registered Member Service Provider with several of the industry’s largest payment processors.  Having access to multiple platforms gives us the ability to provide numerous solutions to your business that better serve your individual processing needs. It also allows COCARD the ability to present an entirely customized, state-of-the-art processing solution, including the latest, most technologically advanced products and software offerings available today.

We provide the latest processing solutions for all merchant types including retail, restaurant, internet, mail/phone order, wireless, and home-based, to name a few. COCARD, along with its partners, supports Visa®, MasterCard®, Discover®, American Express®, gift and loyalty card, and check processing.

With Revonu, COCARD’s proprietary point-of-sale solution, we make processing easier from our all-in-one, tablet-based solution. From Revonu for Windows to Revonu mobile, we have your business covered.

COCARD also has direct access to numerous ancillary vendors to provide specialties and comprehensive choices of value-added services. In this way, our merchants can stay ahead of the ever-changing payments environment. Value-added services are a must for merchants who want to stay competitive and allow their businesses to explore new ways to enhance brand recognition and customer loyalty, and to improve the overall bottom line revenue.

Here are just a few of our suite of available services:

flexible merchant loan programs, gift & loyalty card programs, contactless processing, back office check conversion (BOC/RDC),  and an accounting/processing solution designed for QuickBooks® users.

COCARD has the experience, the processing partners, and a comprehensive product line to provide the best processing solution for your business. We welcome the opportunity to EARN your business. If you or someone you know is considering a merchant service provider, consider our:

  • 24/7 customer service on all the products we sell.

Retail

COCARD offers exciting solutions for merchants who operate retail storefronts. Forget about slow transactions with dial-up terminals! Now you can harness the power of a high speed Point-of-Sale (POS) terminal or COCARD’s revolutionary Point of Sale System Revonu and instantly authorize customers’ orders and provide efficient customer service.

Here’s what COCARD can offer your retail company:

  • Revonu POS powered by COCARD
  • Speedier Checkout Times
  • Low Cost and Fees
  • Transaction Monitoring and Review
  • Billing Statements and Reports
  • Unlimited Number of Users
  • Fraud Prevention

Restaurants Large and Small

The COCARD Restaurant Solution, Revonu POS, replaces your cash register and payment terminal with an easy-to-use point of sale system that includes either a tablet-based or Windows-based POS solution, a specialized software package and advanced payment processing. Revonu features include but are not limited to:

  • Industry-leading payment processing to accept virtually every payment option, including Visa®, MasterCard®, American Express®, and Discover® Network cards, plus Diners Club International® and gift cards.
  • Automated menu management makes it easy to create, revise and customize menus or pricing for special events or promotions
  • Automated order management and accuracy, from printed kitchen tickets to add-ons and guest checks. Automatically

Hospitality & Lodging

When it comes to hotel payment processing, your guests are looking for more than just a mint on a pillow. Your hotel may offer exceptional services, but if your customer’s payment experience isn’t up to par, this subpar experience is what they’ll remember most. Your credit card acceptance must work seamlessly with all areas of your establishment—from the front-of-house to back, room to restaurant, at the pool or in the spa.

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

eCommerce

COCARD has the online payment solutions to help your internet business prosper. We have the latest equipment designed to interface seamlessly with your shopping cart or local network. At COCARD, we know that your potential customers are just one click away from hitting another site if they hit a snag while checking out at your site. That’s why we ensure your customers have a secure, PCI compliant, professional, and seamless payment processing experience. When you partner with COCARD for online credit card processing, your customers will have a reliable and trusted electronic payment experience. And who doesn’t want that?

Non-Profit

COCARD offers customized donation and payment processing for non-profit organizations. 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 the needs of non-profit organizations.

They Include:

  • Online and onsite tools and integration assistance for donation-based payment processing
  • Recurring billing feature
  • Storage functionality for management of repeat donor data
  • Electronic ACH and check processing
  • Full PCI compliance

Health Care

COCARD serves our healthcare clients by applying efficiency, seamless integration and industry expertise to patient responsibility payment processing. We work with specialists in dental, orthodontics, vision care, veterinary medicine, emergency medicine, pathology, radiology, obstetrics and cardiology, as well as general practitioners. We are endorsed as a member benefit provider by dozens of national, state and regional healthcare associations.

The benefits include increased collections and cash flow, reduced receivables, improved office efficiency and functionality, reduced loss due to risk or chargebacks, less paperwork and improved customer service.

Healthcare providers can benefit from our comprehensive offerings including:

  • IP-based and dial-up solutions
  • Web services API for simple integration to existing systems, including access to automatic and manual recurring billing features
  • Ability to accept all types of major payment cards
  • ACH and check processing
  • Payment assurance, installment payments and store-and-hold functionality

Petroleum Convenience Stores

Partner with COCARD and you’ll be able to access payment processing programs custom 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.

Let COCARD accelerate sales with high-octane processing like:

  • Tap’n Go acceptance
  • Point-of-Sale Technology
  • “No Signature Required” Capability
  • Loyalty Programs
  • Pre Paid Card Programs

We are able to interface with most all pay at the pump hardware and we will assist your location with the best stand beside equipment for inside sales as well.

COCARD will help your location on the road to success and stay the course to better financials in the long haul.

High Risk Merchants

What are High Risk Merchant Accounts?

While many processors turn down “high risk” merchants, COCARD has a unique program for these merchants and a special processing platform to get the account approved.

A business is classified as a high risk merchant account when:

  • There is a statistically greater likelihood of chargebacks
  • Fraudulent transactions associated with the industry

Examples of high risk merchant accounts industries include, but are not limited to:

  • Travel
  • Digital Content
  • Virtual Goods
  • Social Networks
  • Online Dating
  • Software
  • Online Games

The Level III Argument

Government is the single, largest buyer of goods and services in the United States. Visa/MasterCard and Discover want Federal, State, and Local governments to use credit cards for their procurement purchases. Visa/MasterCard and Discover also want suppliers/vendors to feel good about accepting those cards so they try to keep acceptance costs low.

COCARD B2GX solutions helps you to capitalize on both of these needs. We not only provide Government buyers level III data with every transaction to help them maintain accurate records of their purchases, but we also educate suppliers/vendors on how to achieve those low costs as well. No matter the volume of your transactions, COCARD has a best cost solution to fit your needs.

Associations

COCARD believes that local businesses are the engine that drives our national economy. That’s why we’re committed to making it easier for local businesses to succeed. With the COCARD association program, local businesses or association groups can provide referrals to their members looking to add payment processing.

The Referral Business Partnership Program provides a complete turnkey offering that includes:

  • Customer Service
  • Terminal & Point of Sale Help Desk
  • Marketing Materials
  • Equipment Deployment and Programming
  • Merchant Training and Activation
  • Online Transaction Information
  • Referral Updates and Reporting

Financial Institutions

Offering merchant services has become increasingly complicated for financial institutions as a result of government regulations, mandates within the payment card industry, and local laws, which all impact the need to serve your customers. Partnering with a payment processing industry leader such as COCARD makes good sense for your institution and your customers. The benefit is that you will be able to focus more thoroughly on core banking products and services.

Potential benefits in becoming partner include:

  • An Increase in earnings from ongoing revenues
  • The ability to grow deposits by capitalizing on strong brand recognition and branch distribution system
  • Creating a long-term alliance that can bring best-in-class sales, service, products, branding, distribution and pricing to your merchant business
  • Access to a professional, dedicated COCARD sales force that works branch referrals and cold calls on merchants in your current markets
  • Reversing cross-sales opportunities with COCARD back to your branch staff for core bank products and services

Retail

COCARD offers exciting solutions for merchants who operate retail storefronts. Forget about slow transactions with dial-up terminals! Now you can harness the power of a high speed Point-of-Sale (POS) terminal or COCARD’s revolutionary Point of Sale System, Revonu and instantly authorize customers’ orders and provide efficient customer service.

Here’s what COCARD can offer your retail company:

  • Revonu POS powered by COCARD
  • Speedier Checkout Times
  • Low Cost and Fees
  • Transaction Monitoring and Review
  • Billing Statements and Reports
  • Unlimited Number of Users
  • Fraud Prevention

Restaurants Large and Small

The COCARD Restaurant Solution, Revonu POS, replaces your cash register and payment terminal with an easy-to-use point of sale system that includes either a tablet-based or Windows-based POS solution, a specialized software package and advanced payment processing. Revonu features include but are not limited to:

  • Industry-leading payment processing to accept virtually every payment option, including Visa®, MasterCard®, American Express®, and Discover® Network cards, plus Diners Club International® and gift cards.
  • Automated menu management makes it easy to create, revise and customize menus or pricing for special events or promotions
  • Automated order management and accuracy, from printed kitchen tickets to add-ons and guest checks.

Hospitality & Lodging

When it comes to hotel payment processing, your guests are looking for more than just a mint on a pillow. Your hotel may offer exceptional services, but if your customer’s payment experience isn’t up to par, this subpar experience is what they’ll remember most. Your credit card acceptance must work seamlessly with all areas of your establishment—from the front-of-house to back, room to restaurant, at the pool or in the spa.

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

eCommerce

COCARD has the online payment solutions to help your internet business prosper. We have the latest equipment designed to interface seamlessly with your shopping cart or local network. At COCARD, we know that your potential customers are just one click away from hitting another site if they hit a snag while checking out at your site. That’s why we ensure your customers have a secure, PCI compliant, professional, and seamless payment processing experience. When you partner with COCARD for online credit card processing, your customers will have a reliable and trusted electronic payment experience. And who doesn’t want that?

Non-Profit

COCARD offers customized donation and payment processing for non-profit organizations. 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 the needs of non-profit organizations.

They Include:

  • Online and onsite tools and integration assistance for donation-based payment processing
  • Recurring billing feature
  • Storage functionality for management of repeat donor data
  • Electronic ACH and check processing
  • Full PCI compliance

Health Care

COCARD serves our healthcare clients by applying efficiency, seamless integration and industry expertise to patient responsibility payment processing. We work with specialists in dental, orthodontics, vision care, veterinary medicine, emergency medicine, pathology, radiology, obstetrics and cardiology, as well as general practitioners. We are endorsed as a member benefit provider by dozens of national, state and regional healthcare associations.

The benefits include increased collections and cash flow, reduced receivables, improved office efficiency and functionality, reduced loss due to risk or chargebacks, less paperwork and improved customer service.

Healthcare providers can benefit from our comprehensive offerings including:

  • IP-based and dial-up solutions
  • Web services API for simple integration to existing systems, including access to automatic and manual recurring billing features
  • Ability to accept all types of major payment cards
  • ACH and check processing
  • Payment assurance, installment payments and store-and-hold functionality

Petroleum Convenience Stores

Partner with COCARD and you’ll be able to access payment processing programs custom 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.

Let COCARD accelerate sales with high-octane processing like:

  • Tap’n Go acceptance
  • Point-of-Sale Technology
  • “No Signature Required” Capability
  • Loyalty Programs
  • Pre-Paid Card Programs

We are able to interface with most all pay at the pump hardware and we will assist your location with the best stand beside equipment for inside sales as well.

COCARD will help your location on the road to success and stay the course to better financials in the long haul.

High Risk Merchants

What are High Risk Merchant Accounts?

While many processors turn down “high risk” merchants, COCARD has a unique program for these merchants and a special processing platform to get the account approved.

A business is classified as a high risk merchant account when:

  • There is a statistically greater likelihood of chargebacks
  • Fraudulent transactions associated with the industry

Examples of high risk merchant accounts industries include, but are not limited to:

  • Travel
  • Digital Content
  • Virtual Goods
  • Social Networks
  • Online Dating
  • Software
  • Online Games

The Level III Argument

Government is the single, largest buyer of goods and services in the United States. Visa/MasterCard and Discover want Federal, State, and Local governments to use credit cards for their procurement purchases. Visa/MasterCard and Discover also want suppliers/vendors to feel good about accepting those cards so they try to keep acceptance costs low.

COCARD B2GX solutions helps you to capitalize on both of these needs. We not only provide Government buyers level III data with every transaction to help them maintain accurate records of their purchases, but we also educate suppliers/vendors on how to achieve those low costs as well. No matter the volume of your transactions, COCARD has a best cost solution to fit your needs.

Associations

COCARD believes that local businesses are the engine that drives our national economy. That’s why we’re committed to making it easier for local businesses to succeed. With the COCARD association program, local businesses or association groups can provide referrals to their members looking to add payment processing.

The Referral Business Partnership Program provides a complete turnkey offering that includes:

  • Customer Service
  • Terminal & Point of Sale Help Desk
  • Marketing Materials
  • Equipment Deployment and Programming
  • Merchant Training and Activation
  • Online Transaction Information
  • Referral Updates and Reporting

Financial Institutions

Offering merchant services has become increasingly complicated for financial institutions as a result of government regulations, mandates within the payment card industry, and local laws, which all impact the need to serve your customers. Partnering with a payment processing industry leader such as COCARD makes good sense for your institution and your customers. The benefit is that you will be able to focus more thoroughly on core banking products and services.

Potential benefits in becoming partner include:

  • An Increase in earnings from ongoing revenues
  • The ability to grow deposits by capitalizing on strong brand recognition and branch distribution system
  • Creating a long-term alliance that can bring best-in-class sales, service, products, branding, distribution and pricing to your merchant business
  • Access to a professional, dedicated COCARD sales force that works branch referrals and cold calls on merchants in your current markets
  • Reversing cross-sales opportunities with COCARD back to your branch staff for core bank products and services