CardWorks Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

CardWorks is best for small businesses (20 employees) for almost all industries but focuses on veterinary clinics and animal hospitals.

Specializes in

CardWorks offers merchant accounts services, virtual terminal and payment gateway services, and business lending for small businesses. CardWorks emphasizes its secure and fully PCI-compliant data infrastructure hosting.

Pricing Summary

Setup Fee: $0

Monthly Fee: $10

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $350+

Contract Terms:

3 Years
Visit CardWorks

CardWorks is an ISO/MSP of Merrick Bank in South Jordan, Utah. CardWorks was founded in 1987 and has over three decades of experience in merchant accounts. The company is headquartered in Woodbury, NY. The company is currently led by Don Berman, Founder, Chairman, and CEO.

CardWorks employs nearly 1,700 employees, about one-fifth of which has worked there for at least a decade.

CardWorks Overview


CardWorks provides payment processing and POS solutions, along with several value-added e-Commerce services for merchants. The company has had deep expertise with veterinary clinics and animal hospitals based on its website since its founding in 1987 in Woodbury, NY. The company has over 1,700 employees and proudly emphasizes its expertise and dedication. As noted prior, nearly a fifth of the staff has been with the company for over a decade. CardWorks' top 40 executives have an average tenure at the firm of over 15 years.

CardWorks has an A+ rating with the BBB but is not accredited by the bureau. CardWorks has 53 complaints in the last 36 months and 12 complaints over the previous year.

CardWorks has 24/7/365 US-based customer support and has a very informative resource on its website, including blogs, training videos, and FAQs.

In February 2020, CardWorks announced that Ally Financial was acquiring it for $2.65 billion. In June 2020, both companies mutually ended their planned merger, citing "unprecedented economic and market conditions resulting from the COVID-19."

Quick Facts

Head Quarters

Woodbury, New York

Year Founded



Donald Berman



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Medical
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Telemedicine
  • Thrift Store

Business Types Served

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

CardWorks Products & Services


CardWorks products offered are as follows:

Payment Processing: CardWorks offers credit and debit card and mobile payment processing solutions.

Point of Sale: CardWorks offers EMV and ApplePay compatible standard and mobile equipment of Ingenico, Verifone, PAX, Dejavoo, and Poynt.

Tertiary Services: CardWorks offers Mobile payment processing and Internet Gateway solutions for e-commerce through Authorize.Net, NETePay, BridgePay, Braintree, CyberSource, or NMI.

The company offers recurring billing, 3rd party integrations, and electronic invoicing as part of its e-commerce solutions.

CardWorks Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

CardWorks Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

CardWorks Advertising & Sales

We have not found complaints about CardWorks' sales tactics or advertising practices. The company builds its sales channel through a combination of internal and outside sales teams.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


CardWorks Pricing, Rates & Fees


CardWorks rates are;

  • Swiped Rate: 1% – 4.99%

  • Keyed-In Rate: 1% – 4.99%

  • Virtual Terminal Rate: 1% – 4.99%

  • Monthly service fee: $10

  • Monthly minimum fee: $20

  • PCI Fee: $180

  • Early Termination fees: $350 or liquidated damages, whichever is higher

CWA Select – a bundled product for a single fixed monthly cost starting at $49.99 depending on volume and average transaction size. This monthly cost does not include AMEX fees, AMEX chargeback/retrieval fees, ACH fees, gateway charges, or other tertiary service costs.

Merchants must be aware that if they procure e-commerce or online/mobile processing services, they may incur Gateway and Terminal charges, batch fees, and technical support fees. We weren't able to locate disclosures of these charges from CardWorks, and they may not be included in its CWA Select plan.

Pricing at a Glance

Pricing Model

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$180 Per Year

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

CardWorks Contract & Terms

CardWorks agreement is a three-year contract with an automatic renewal of two years.

Contract Length

3 Years

Early Termination Fee


CardWorks Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

CardWorks Complaints, Ratings & Reviews

CardWorks is rated an A+ by the Better Business Bureau (BBB) with a profile set up since 1992. The company has 53 complaints in the last three years, and 12 complaints in the previous twelve months. However, CardWorks is not BBB-accredited.

Our research found no outstanding FTC complaints against the company, nor any ongoing lawsuits.



A+(54 complaints)


4.5 Stars / 38 Reviews




3 Stars / 1 review


Total Online Reviews


Total Online Complaints




CardWorks Alternatives


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