The CoCard of Maryland payment processing systems have extraordinary flexibility, enabling you to modify data to fit your needs.

Our systems allow the flexibility to modify options to fit your billing and website needs. Some of the services and benefits that CoCard of Maryland can provide are:

Merchant Account for Credit Card Processing

No matter what your business type we have the merchant account for you. Let us save you money on transaction fees, payment gateways and equipment. Call us now and ask us how. Our representatives are standing by…

E-check (ACH) Draft Capabilities

Do you collect 50 or more checks per week? Now deposit them via a PC in 5 Minutes! Take an E-check via your website, shopping cart, virtual terminal, phone, fax or scanner using Check 21Solution Automated Clearing House (ACH) Electronic Funds Transfer Software Our Electronic/Virtual Check system processes transactions and displays real-time reports from your PC. ACH can work in one of two ways:
  • Scans a check and converts it into electronic format with or without check guarantee using a check scanner (which processes about 60 checks a minute via Internet gateway). The scanner quickly copies front and back of the check and converts it into electronic deposit -- great for document management. It’s half the price of a bank’s Lock Box Service.

  • You can log onto the Internet and implement a customer routing and account number, and ACH a customer’s account (daily, weekly, and/or monthly). This system is the same as what a bank can offer, but for significantly less.

Online Billing

What is an electronic bill presentment and payment system? It is an Internet system, integrated with your existing accounting systems that enables you to bill customers online and allows your customers to view their historical account activity online. They can then settle their accounts using a credit card, a debit card, or electronic check. It is as if your customer is viewing your accounting ledger for his account balance and payment history.

Benefits for you:
  • Enhanced Service – Your customers will want to make their payments automatically – no checks to write, stamps to buy, or bills to send. Let your customers manage their own accounts.

  • Streamlined Operations – Implementing recurring payments greatly reduces the costs of generating billing statements, and eliminates mailing costs and delays associated with the waiting period for checks to arrive. Reduce your customer service calls, lockbox fees, collection agency fees, and exception processing fees. Let your customers do the work.

  • Flexible Support – CoCard of Maryland provides web based tools for immediate secure access to all processing data, including daily and monthly reports tailored to your needs.

Benefits for your customers:
  • Added Convenience – Your customers will appreciate the ease of recurring payments which eliminates not only check writing and mailing, but also the worry of meeting payment deadlines. They can view their accounts online to ascertain dates, payments, and balances.

  • Cost Savings – Electronic payments means no mailing or check costs.

Online Reporting

Online Reporting is offered through CoCard gateways, credit card processors and those we partner with. It provides the merchant a real-time or tiered online tool set for viewing transactions, settlements, charge-backs, monthly fees, etc. Ask how this tool may benefit your business and provide you a real-time view of your financial status.

Customer Account Management

Customer Account Management is also offered through our partners and processors in order to help you better track and manage customer transactions, payment histories and is especially useful for those transactions that have posted but left unsettled. Let us help you manage and settle all of your transactions quickly and with ease using our Customer Account Management tools. Just ask us how…

Gift Cards

Offer your customers your very own company brand of gift cards in any denominations you choose for your business. Just call and ask our Customer Service Rep how…

Payment Gateways


It is a very reliable gateway that provides solid management and risk control features. It can be modified to meet specific needs, and resides on a separate server. If you have an e-Commerce site with the expectation of 1,000 plus transactions per month, this may be the engine that meets your needs.


The Authorize.Net Payment Gateway can help you accept credit card and electronic check payments quickly and affordably. Offers flexible application programming interfaces (APIs) with no licensing or developing fees.

Merchants that operate at retail locations can now leverage the speed of the Internet to authorize credit card transactions in as little as three seconds! Authorize.Net enables merchants to submit transactions manually via a secure Web browser using the Virtual Terminal or Batch Upload tool. This feature is ideal for merchants that service mail or telephone orders. Virtual Terminal and Batch Upload are included with every Authorize.Net Payment Gateway account. Mobile point-of-sale (POS) solutions enable merchants to accept credit card payments where it is most convenient for their customers-in the aisle, outside the store or anyplace customers prefer to pay.

Overall, is a solid gateway that gives well rounded support and is of great value to its merchants.

CoCard’s Gateway

It is a secure, browser based, state of the art gateway. It provides the tools to develop secure, reliable, and cost effective transaction pathways from your website to the terminal. Our proprietary gateway has an integrated shopping cart and credit card vault. You can manage payment transactions anywhere, any time.

All of these systems provide much more than a secure gateway for e-Commerce. They can be designed to become complete management systems for your business. Let CoCard of Maryland design the most cost effective business system for you and stand behind the results.

Shopping Carts

CoCard of Maryland can set up your Ecommerce site with almost any major shopping cart out there. Please call us to find out which ones we most often recommend.

Free Services:

  • 24/7 Support

  • Reprogramming

  • Merchant Account Set-up

  • Shopping Cart Set-up

  • Gateway Software

  • Online Reporting

  • Tele-check Set-up

  • QuickBooks Pro

Please call us for details on how we can set your account up with these services for FREE. Let CoCard of Maryland design the most cost effective business system you will ever need. We stand behind our results. Click to apply!

We are here to assist you in defining your electronic payments needs. If you have any questions, please contact us at
call us Toll Free at (877) 277-6679 or fill out our Request a Quote form.

We will beat anyone’s price on equipment!
Thanks for your interest in CoCard of Maryland – Let Us Earn Your Trust.

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