Card/Pay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Card Pay is best for low to standard risk businesses in the restaurant or lodging industry.

Specializes in

Card Pay focuses mainly on standard risk businesses in the restaurant and hospitality industry.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : $495

Contract Terms:

Visit Card/Pay

Card Pay has been in business since 2000. This merchant account provider works mostly with restaurants and businesses in the hospitality industry.

Card Pay is powered by a company called Fiserv (formerly First Data). Card Pay may resell Fiserv contracts or rely on Fiserv for processing.

The company is located in Tigard, Oregon. Craig Lum is the Co-Founder and CEO.

Card/Pay Overview


Card Pay is a merchant account powered by Fiserv, formerly known as First Data. The company was started in 2000 and is currently headquartered in Oregon with one of the co-founders listed as the current CEO.

The company seems to specialize in restaurants and hotels but accepts all types of businesses including eCommerce.

Contracts and rates are variables depending on the business and its risk level. Processing rates vary depending on the size of the business.

In addition to in-person and online card processing, Card Pay offers physical equipment including POS systems and ATMs. However, they can also integrate with pre-existing equipment. Help to install or set up physical equipment is available.

Card Pay processes over $350 million in card transactions every year. They have a wide customer base and a very low amount of customer complaints.

Quick Facts

Head Quarters

Tigard, Oregon

Year Founded



Craig Lum



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Education
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Legal
  • Medical
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Telemedicine
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business

Card/Pay Products & Services


Hardware and Software

Card Pay offers physical equipment such as POS systems, credit card terminals, and ATMs. They also integrate with pre-existing equipment and offer payment gateways and virtual terminals.

Value-Added Services

Card Pay offers gift and loyalty card programs including custom cards using branded artwork. They also offer ATMs in addition to the standard credit card processing equipment.

Supported Payment Types and Services

Card Pay processes all major credit and debit cards including:

American Express

In addition, the merchant account will process other forms of cashless payments including checks, gift cards, online payments, and payment apps.

Card/Pay Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Integration
  • Signature Capture
  • Virtual Terminal

Card/Pay Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Card/Pay Advertising & Sales

Card Pay does engage an independent sales team to market and sell its products. This is a common practice in the industry although it sometimes leads to negative outcomes as customers complain of overly aggressive salespeople.

In the case of Card Pay, there are no complaints of aggressive or deceptive sales tactics so this strategy seems to be working for them.

There were no deceptive marketing pitches to be found on their website or other places online.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Card/Pay Pricing, Rates & Fees


Card Pay pricing and fees are likely similar to its processor Fiserv.

These include variable rates of 2.29% to 3.69% with an additional $0.19 fee per transaction.

Businesses that process up to $50,000 a month are eligible for processing rates varying from 2.69% to 3.60% plus the $0.19 fee.

Businesses that process over $50,000 a month are eligible for the lower rates of 2.29% to 3.29% per transaction plus the $0.19 fee.

The contract includes an early termination fee of $495 and a monthly PCI-compliance fee of $19.95.

Although this advertised pricing is not the most affordable in the industry, there are also no public complaints about the pricing structure. Some businesses may negotiate lower rates.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

Mobile Payment Rate

Virtual Terminal Rate

3.69% + $0.19

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Card/Pay Contract & Terms

Card Pay doesn’t offer much information about their contract on their website, except to state that it varies from business to business.

As Card Pay is powered by Fiserv, there is a chance that the contract it offers is similar to the one Fiserv offers.

Fiserv contracts are usually multi-year contracts and include a variable early termination fee. Customers are also on the hook for a PCI compliance fee and a non-cancelable four-year lease agreement for the equipment.

Contract Length


Early Termination Fee


Card/Pay Setup & Support


Card Pay does not offer in-house customer support. It outsources its customer support to Fiserv.

There are a lot of different email addresses and phone numbers listed on the website to reach out to depending on what product you need assistance with.

The company claims that what sets them apart from other merchant account providers is its emphasis on relationships. They want to make your experience personal.

The company offers a streamlined approach to set-up, that involves filling out a few forms on the website, to begin with. If physical equipment needs to be installed Card Pay will send a team to assist with that.

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)

Card/Pay Complaints, Ratings & Reviews

BBB Rating

Card Pay has an unaccredited profile on Better Business Bureau and currently maintains an A+ rating with no customer complaints.

Other Online Reviews

We were unable to locate any complaints about Card Pay online.



A+ but is not BBB Accredited. (0 Reviews; 0 Complaints)


No Reviews


No Recommendations Yet




Total Online Reviews


Total Online Complaints




Card/Pay Alternatives


If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks