We are restaurateurs building product for restaurateurs.

We are industry experts who specialize in providing restaurant POS solutions and reliable and affordable, PCI-compliant credit card processing to full-service, upscale, casual, and fine dining restaurants. We pride ourselves on our honesty and integrity.

We have worked with some of the most prestigious names in hospitality.

We are backed by North American Bancard, the sixth-largest non-bank merchant acquirer on the continent.

We leverage the knowledge we’ve gained over the years to create the easy-to-use technology you need to seamlessly accept payments and run your restaurant more efficiently and profitably than ever before.

We have hundreds of thousands of satisfied merchants.

We process more than $100 billion in volume annually.

We have a dedicated team of more than 1,300 employees.

We process payments in-house from start to finish.

1992

North American Bancard is founded by Marc Gardner.

2004

20,000 merchants.

2005

Capital for Merchants is introduced.

2006

50,000 merchants.
$100 million in gross revenue.

2008

Marc Gardner is named Ernst & Young Entrepreneur of the Year.

2009

Transitions to 105,000 square foot headquarters in Troy, Michigan.

2010

100,000 merchants.

Point & Pay is acquired.
CDI Tech is acquired.

2011

Payanywhere Mobile and Phone Swipe launch.

2013

Velocity is acquired.

2014

Payanywhere Storefront launches.

Wins ETA’s ISO of the Year award.

Argust Payments is acquired.
Rapid Capital Funding is acquired.
Electronic Payment Exchange is acquired.

2015

Payanywhere launches its NFC credit card reader in Apple Stores nationwide.

2016

Argus Payments becomes Inovio.

2017

Total Merchant Services is acquired.

2019

SALIDO is acquired.

2020

HMSKC is acquired.

2021

Signature Payments is acquired.
PayTrace is acquired.
Developer Portal is launched.

Honored by the Strawhecker Group (TSG) in its 2021 Restaurant Smart Terminal Provider of the Year award.

Honored by the Strawhecker Group (TSG) in its 2021 eCommerce Merchant Experience awards.

2022

CardWorks Acquiring is acquired and becomes CardWorks Merchant Services.

Wins ETA’s ISO of the Year award.

We are pioneers in payment security.

Our in-house processor EPX leverages BuyerWall™, its proprietary and revolutionary cardholder data protection system. BuyerWall protects merchants and enhances consumer confidence while facilitating PCI compliance. Because of its cost-effective, integrated front- and back-end solutions that utilize certified, point-to-point encryption and military-grade tokenization technologies, EPX is the only international payment processor that provides true end-to-end, secure, PCI-compliant payment processing.