Enterprise-grade B2B payment infrastructure. Personal support that actually picks up.
Level 2 and Level 3 optimization, integrated payment technology and dedicated account support, built for complex B2B transactions.
- Registered ISO/MSP of Elavon, a wholly owned subsidiary of U.S. Bank
- Level 2 & Level 3 processing
- Backed by 15+ years of payments industry experience
- Rated 5.0 ★ on Google
Works with the software you already use
You call. A real person who knows your account answers.
Big-processor pricing and technology, without the big-processor runaround.
A real person on your account
You work with someone who knows your business, your setup and your history. No explaining it all again.
Fast answers
Questions about a deposit, a statement or a declined card get answered quickly by someone who already knows your account.
No call centers or ticket queues
No phone trees, no ticket numbers, no waiting days for someone to get back to you.
Payments for businesses that move real volume
B2B payments are bigger, more detailed and more complex than retail. Our setup is built around that.
Large-ticket transactions
Setups built for high-value invoices and orders, not just small retail sales.
Corporate & purchasing cards
Accept the business, corporate and purchasing cards your B2B customers pay with.
Level 2 & Level 3 data
Send the transaction detail that can qualify commercial card payments for lower rates.
Multi-location businesses
Support for businesses with more than one location, with one team that knows your whole setup.
ERP & accounting integrations
Payments that post back to QuickBooks, Xero, Sage 50 or Oracle NetSuite.
See integrations →Card-present & card-not-present
Terminals for in-person payments, plus a virtual terminal and hosted payment pages for orders by phone, email and online.
A complete B2B payments stack
Everything you need to accept, manage and reconcile B2B payments, from one team.
Card processing
- Level 2 & Level 3
- Corporate & purchasing cards
- Card-present & card-not-present
Gateways & terminals
- Converge, USAePay, Authorize.net
- Virtual terminal
- Hosted payment pages
- Poynt terminals
Accounting & ERP
- QuickBooks Online & Desktop
- Xero
- Sage 50
- Oracle NetSuite
Security & compliance
- PCI compliance help
- Encryption & tokenization
- AVS & CVV fraud checks
What our clients say
"Their customer service is excellent, always responsive, knowledgeable, and willing to go the extra mile to help."
"Their team is responsive and made the setup process easy."
"Great rates and excellent customer service!"
Common questions
Do I have to sign a long-term contract?
No long-term contract required when you use your own equipment or buy it outright.
Who do I talk to when I need help?
A real person who knows your account, your setup and your history. No call centers, no ticket queues.
Does Cárdo integrate with my existing accounting software?
Yes - through third-party software we work with, like Biller Genie, Verosa and the Secure QuickBooks Plug-in, we integrate with QuickBooks Online and Desktop, Xero, Sage 50 and Oracle NetSuite. Don't see your software? We'll find a gateway that connects to it.
Can you help with PCI compliance?
Yes. We walk you through what applies to your business and help you keep it current.
What are Level 2 and Level 3?
They send extra detail with business, corporate and purchasing card payments, which can qualify them for lower interchange rates. On large invoices, that difference adds up fast.
Not sure what you need?
Tell us how your customers pay today, and we'll recommend a setup and show you what you could save.