“Can a regional payment and POS reseller become the embedded financial services hub for small and medium-sized businesses by layering payroll, retirement, and merchant funding onto its payments infrastructure?”
Founded in 2012 as a South Florida-based POS and payment system reseller and integrator, CardPayment Services has grown to over 75 agent sales offices nationally. The company expanded beyond hardware and payment processing to offer payroll solutions (via Sage), retirement benefits (via Vestwell), and merchant funding, positioning itself as a one-stop financial technology resource for small businesses. It operates primarily as a reseller and ISO/agent network, processing on First Data and TSYS platforms.
Cardpayment Services discloses Citizens Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Cardpayment Services does not disclose a bank charter of its own; its banking services are provided through Citizens Bank.
Cardpayment Services processes payments through First Data (self-operated reseller), TSYS and Worldpay.
Cardpayment Services's payroll is powered by Sage.
Cardpayment Services's investing and wealth products are powered by Vestwell.
Cardpayment Services integrates with QuickBooks and Sage.
The Embedded Finance Index 2026 maps 6 layers in Cardpayment Services's stack: Payments / PSP (First Data (self-operated reseller), TSYS and Worldpay); Lending (Merchant Funding Solutions); Payroll (Sage); Sponsor bank (Citizens Bank); Investing (Vestwell); Accounting (QuickBooks and Sage).
Cardpayment Services is founded in 2012 and headquartered in Weston, Florida, United States.
Get a read on where your own stack stands against Cardpayment Services and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.