CardSmart Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

CardSmart Merchant Services is best for small and mid-sized retail businesses in the U.S.

Specializes in

CardSmart Merchant Services (CardSmart) is a payment processor founded in 1989. Eric Elam is the President of the Las Vegas, NV-based company, which resells EMV-complaint traditional and mobile POS equipment and eCommerce and mobile payment solutions such as virtual terminal and payment gateways for retail business.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.19% - 4.99%

Keyed-in Rate: 1.19% - 4.99%

Early Termination Fee : Undisclosed

Contract Terms:

Unknown 3 Years
Visit CardSmart Merchant Services

CardSmart is an ISO/MSP of WoodForest National Bank, N.A, in The Woodlands, Texas, and Wells Fargo Bank, N.A., in Concord, California. The company's headquarters are in Las Vegas, NV, and is currently led by Eric Elam.

CardSmart was founded in 1989 and has over 30 years of experience in payment processing.

CardSmart Merchant Services Overview


CardSmart was founded in 1989 by Eric Elam, the company's President, and is headquartered in Las Vegas, NV. The company offers merchant processing and POS solutions. CardSmart also offers eCommerce solutions through eProcessing Network for merchants. 

The company does not have a rating with the BBB but has had no complaints filed against it in the last three years. Customer support is available 24/7, and the company has a low complaint volume, which indicates to us that the company adequately addresses client satisfaction.

CardSmart does hire independent sales agents. However, the company effectively mitigates risks associated with hiring an outside sales team by effectively training staff and aligning their goals with its success and reputation. We found only one complaint in an online forum about the company, and that was nearly five years ago.

Quick Facts

Head Quarters

Las Vegas, NV

Year Founded



Eric Elam - President



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Moving Companies
  • Personal Service
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • MLM
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

CardSmart Merchant Services Products & Services


Payment Processing: CardSmart offers credit and debit card merchant processing and eCommerce payment processing solutions.

Point of Sale: CardSmart offers EMV compatible standard and mobile equipment of Clover, Retail Management Hero, and pcAmerica.

Tertiary Services: CardSmart offers eCommerce and mobile payment processing solutions such as virtual terminals and internet gateways through eProcessing Network.

CardSmart Merchant Services Payment Processing

  • Check Services
  • Credit Card Processing
  • Debit Card Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment

CardSmart Merchant Services Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

CardSmart Merchant Services Advertising & Sales

CardSmart has a low complaint volume, but there have been some about the company's sales tactics. The company builds its sales channel via a combination of internal and outside sales teams. We have found isolated cases of unprofessional behavior about CardSmart' sales staff where a salesperson failed to communicate scheduling details of demos they had planned.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


CardSmart Merchant Services Pricing, Rates & Fees


Merchants can be subject to a host of fees such as PCI compliance fees, early termination charges, ACH fees, batch fees, and technical support fees. Payment processors may not always disclose these rates; below are the rates for CardSmart that we're able to uncover;

Swiped Rate – 1.19% – 4.99%

Keyed-In Rate – 1.19% – 4.99%

eProcessing Network Monthly Gateway fee – $8 – $10 + $0.05/transaction

Monthly minimum fee – not available

PCI Fee – not available

Early Termination fees - not available

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.19% - 4.99%

Keyed-in Rate

1.19% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.19% - 4.99%

Monthly Fee


Payment Gateway Fee

$0.05 per-transaction and a monthly for of $8 to $10

Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

CardSmart Merchant Services Contract & Terms

There is almost no public information about CardSmart service agreements. Simultaneously, there have been very few complaints about its contracts, indicating that client merchants are generally satisfied by the terms offered by the company.

Based on some online reviews, we believe that CardSmart offers a tiered pricing structure. Depending on merchant sales volumes, it may be more cost-effective to opt for an Interchange Plus pricing program offered by many other merchant processors.

CardSmart also offers Gateway and Virtual Terminal solutions through eProcessing Network, which charges a monthly fee of $8–$10 and $0.05/transaction. Merchants may also be subject to batch and technical support fees, for which we were not able to find any disclosures.

Contract Length

Unknown3 Years

Early Termination Fee


CardSmart Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

CardSmart Merchant Services Complaints, Ratings & Reviews

CardSmart is not rated by the Better Business Bureau (BBB). However, there have been zero complaints against the company in the last three years.

There are also no outstanding FTC complaints, nor any ongoing lawsuits against the company.





2.3 Stars / 4 Reviews




3 Stars / 2 Reviews


Total Online Reviews


Total Online Complaints




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