about us

Payments are our passion

Who Are We?

CardSmart is a premier payments company, founded by payments industry leaders looking to shake up the antiquated world of corporate payments.

What's Our Goal?

From Fortune 50 to budding local start-up, every company deserves the optimal payment process for business needs. We are here to provide the insight & tools that will optimize your payment acceptance experience.

What Tech do we use?

CardSmart leverages industry leading payments technology to drive best in class innovation and cost savings for our customers. Reach out to us below and we can show you how it will translate to YOUR business!


Merchants Served


Transactions Processed


Transaction Volume


Amazing products are made by amazing people

Cardsmart CEO Mac Walsh
Mac Walsh
Cardsmart president Con Coughlin
Con Coughlin

Nationwide Coverage

Whatever time-zone you’re in, the CardSmart team is there to help!

Chicago, IL

Chicago, IL

Philadelphia, PA

Philadelphia, PA

West Palm Beach, FL

West Palm Beach, FL

You've got questions. We've got answers!

Read the answers to some of our most frequently asked questions. Need something else? Let us know your question and we'll be glad to help.

How quickly can I get set up with CardSmart?

You can have your merchant account approved with CardSmart in less than 24 hours from the submission of your application. Once your account is approved you are able to begin accepting payments through our provided virtual terminal or through payment links or e-commerce hosted payment pages.

If you are looking to enable in-person payments, the typical shipping period for our devices is 3-5 business days with expedited shipping available as an option.

All in all, for both in person and virtual payments your business could be fully set up with CardSmart in less than a week from your application submission.

Is CardSmart more friendly to small businesses than Square?

Yes! CardSmart was founded with a mission to disrupt the payments industry by providing the one thing that these large payment aggregators and international corporations never can, superior service.

At CardSmart we know how personal the operations of your business are to you, so we make it personal for us. With CardSmart you will always have a direct phone number to a real human being, no waiting on phone trees or trying to deal with robots as there is an active issue with your account.

Additionally, CardSmart is committed to showing savings for your business. It is our goal to not only save you time and headaches, but also to put money back into your pocket.

It is your business, let us make it personal.

Can I take payments through my website with CardSmart?

Yes! CardSmart provides online payment functionality through both our integrated partners & our stand-alone hosted payment page options. Contact us now for more information on eCommerce payments!

Can I integrate CardSmart payments to my business management software?

Yes! CardSmart supports many integrated partners, and we are always on the lookout for new integrations that benefit our clients. While it is likely that we already have an integration that would allow you to leverage integrated payments, if not, CardSmart will work tirelessly to ensure you can benefit from integrated payments.

Do you have mobile readers to accept payments on the go?

Of course! We have a variety of terminal options available that can service business models of all shapes and sizes. From mobile card readers that can accept offline payments, to full point of sale stations, CardSmart provides the right solution for each client.

Do you offer level 2 & 3 optimization?

Yes! Level 2 & 3 optimization is an often used talking point in the payment processing industry, with CardSmart, it is a reality. Our provided payment gateways enable automatic level 2 & 3 optimization features, ensuring that you don’t need to worry about all the data fields yourself. Cards are assessed and qualified by the gateway in the background, allowing you to focus on what matters.

Interested in residual income?

Apply to our Agent Residuals program and see how much you can make with CardSmart.