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4838 Rocking Horse Circle, Suite 203
Fargo, ND 58104

Payment Processing

We offer payment processing at great rates for all size businesses. We know that the ability to accept credit cards is critical to your operation and business growth by provide payment , and we work to provide seamless credit card processing that enables you to get funds quickly.

Terminal Transactions

Want to increase your bottom line profits?

Cards Access has generated thousands of dollars in annual cost savings for businesses.  Our comprehensive cost reduction analysis is performed for all sized businesses,  let Cards Access cut your costs and imagine what you could do with that money added to your bottom line…

Level 2 & 3 B2B Transactions

Our clients are often surprised by the possibilities we present to them; by thinking outside the box we present exciting new methods to accept payments that typically lead to increased profits:

Manage your time, get paid faster and you’ll get more done. Did you know that lowering your transaction risk may qualify you for lower Interchange rates from the Card Brands.  I.E. Level 2 & Level 3 processing.

Work fewer hours — and make more money Attract and retain quality, high-paying customers Manage your time so you’ll get more done in less time Hone sharp leadership skills to manage your team Automate your business, so you can leave for days,

What is your risk level?

  • Swiped
  • Keyed
  • Online

You can transform your business to a revenue-producing asset that lets you work as much or as little as you want.

Providing credit card security is critical to protect your customers and your business. Our payment solutions meet modern Payment Card Industry (PCI) data security standards, and we can help ensure you follow all the proper security measures as a proactive organization – without a major investment.

As of October 1, 2015, banks and processing networks changed the way they handle certain types of credit card fraud. If your business doesn’t use an EMV processing device when your customer presents an EMV “chip” card, you could be held liable for certain types of fraudulent transactions.

Reason behind the shift

Using EMV “chips” is much more secure than using magnetic stripes on credit cards. Magnetic stripe technology dates back to 1960s and is easy to counterfeit. Worldwide, many countries that already adopted chip card technology have seen dramatic drops in credit card fraud. Since the U.S. has been slow to embrace the technology, the industry instituted the liability shift mandate to accelerate adoption.


Surcharge Program

The Surcharge Program is an exciting way of  reducing credit card processing costs to businesses down to almost zero! This  adds profit DIRECTLY to the bottom line of the business!

Think about it… if the  processing costs are $500.00 per month, how much in SALES would the business  have to make to add $500.00 to the bottom line?

Businesses and government agencies have been charging a “surcharge” for many  years, not wanting to pay the rising charges associated to credit card processing  fees. With the Cash Discount program, we turn that around  and suggest that, instead of charging a surcharge, you offer your customers a “Cash Discount”. It is completely legal and acceptable to offer a discount to  customers for paying cash or charging them the “regular price” at the credit card  terminal.

Here’s how it works: The business owner simply posts a sign(s) supplied by the sales agent, at the registers and on the door explaining that the posted prices are the “Cash Discounted Prices” and that, should the customer elect to pay by credit or debit card, they will be charged the REGULAR price for the products or services in the business and the regular price will be calculated and added onto the receipt by the credit card terminal automatically at the time of check out.