Checkout with POS

Restaurant Point of Sale

Curb to Kitchen seamless integration that supports online menus, digital menus, pay at the table, and more.

Checkout with POS

Retail Point of Sale

Manage inventory, pricing, stock management from web to store, wireless payments and more.

Checkout with POS

Commercial Point of Sale

Accept payments on site, on the road, online, B2B, and integrate with all your inventory and analytics tracking.

Learn More about Gift cards

Gift Cards

Increase Ticket Amounts
Build Brand Awareness
Increase Repeat Purchases

Loyalty Cards

Loyalty Reward Programs

Encourage repeat business
Combine with gift cards

automotive repair


Fleet management, expense cards, and inventory tracking.

business coach

B 2 B

Selling, invoicing, managing and serving businesses.

online and mobile credit card processing


Tracking, financing, and authorization solutions.

gasoline pump ready for EMV?

Gas Stations

Convenience stores sales, inventory tracking, and curbside sales.

Medical and Dental Office Credit Card in office payment


Invoice online, on site, and by phone. Offer financing.

CSI POS credit card terminal


Reservations, checkout, staffing, and analytics.

mobile credit card processing

Home Repair

On site payments, estimates, and fleet management.

Lawn and landscape credit card

Lawn Service

Collect payment on site instantly, online payment portals, electonic checks.

Shopping Online SS

Online Sales

Merchant accounts, payment gateways, auto-deposit, PCI compliance.

waiter serving


Tab management, pay at the table, online and on site menu management.

clover mini retail credit card e


Point of Sale systems that integrate with inventory, websites, and more.

CSI branded Clover mobile credit card processing

Salons & Spas

Booking, tip management, electronic checks, online payments.


Our clients save considerable sums on their payment processing. Quite often, we save them hundreds of dollars monthly, sometimes a lot more. But we know this is just part of the equation.

We engineer payment processing solutions that fit hand-in-glove with our clients’ business processes because experience has taught us what’s really important: delivering seamless payment experiences for both customers and staff alike because great, memorable experiences distinguish them from their competition.

After nearly 30 years in business, countless technology advances, and thousands of clients later, we’ve learned that every enterprise deserves a custom payments solution because no two operate the same. Allow us put that experience to work and let’s explore what’s possible for your operation.

Real Innovation Begins with Values

Personal Service

We believe 24/7 personal service is the only way to serve our customers. Relationships with our clients are important to us.

Custom Solutions

No two businesses are alike. We offer solutions from multiple vendors to provide the breadth and scope necessary to provide affordable, flexible options to all our customers.

Partners, Not Salesmen

We view our customers as partners, not sales targets. Your long-term success is our goal. So we will tell you when a better deal is available, or a new service opens up that would help you.


We are business owners as well, and understand the needs, fears, and challenges that come with operating a business. We do not recommend products we don’t believe in.

Serving the Community

Card Systems works side by side with non-profits in the community to enhance opportunities for everyone. We are partners with Dress for Success, Card Systems Cares, and other hard-working agencies in our area.

We Speak Human

We evaluate the intricacies of merchant processing so you don’t have to. Tell us your needs. We will explain your options in clear and honest language.

Our Team

Local experts, providing 24/7 care for customized solutions. Card Systems, Inc. is:

  • Local business providing personal service
  • Woman owned business since 1998
  • Decades of experience in serving businesses
  • Focused on the best solution for you

Founder and CEO of Card Systems, Inc. Chandra Spary has over 35 years of experience in merchant service, finance, software, printing and publishing. Chandra consults regularly with executives from a variety of disciplines to design the best payment processing solution for their business. Over the years, she has developed a team of professionals with over 100 years of security and banking experience that focus on keeping up with this ever-changing world of software and technology. Chandra’s qualifications and achievements include being the Chair of Card System Cares disaster relief fund, First Data Advisory Board, Member of the Electronic Transaction Association, member of numerous local Chamber of Commerce Associations, past member of Riverside Bank Board and currently a Dress For Success NFP Board member. Chandra proudly supports Lee Memorial Health System and The Golisano Children’s Hospital, Ronald McDonald House and Annunciation Greek Orthodox Church. Leveraging her decades of business and community relationships, Chandra is also Co-Founder and Managing Member of eGuarded, LLC., which provides industry-leading employee background checks, investigative services, and security consulting for companies and government units.

What Our Clients Say About Us

Delia R.

The handheld device worked out great, especially for Cinco de Mayo. It saved us a lot of time by allowing us to place orders without having to come inside again and again. Thank you!

JoAnne J.

Hands down, the absolute best! My company started with Card Systems, Inc 16+ years ago. One year, early on I switched to my own bank as I thought I would save $ for my company. Biggest mistake ever–a huge costly mistake. Needless to say, I went back to Card Systems asap. They are always-always there when I have a question or are in need of anything technical. My company started out small and has grown exponentially over the years and I’ve had the same excellent service from Card Systems from my start to now. 5+ stars!!!

Barbara Z.

I can’t say enough positive things about Jeremy and Card Systems, Inc. From the setup of my new Clover System, to saving me money on my processing fees. Jeremy is always just a phone call away if I need anything. Had an issue with my system after a power outage and Jeremy had me up and running again in no time.

It’s nice to work with a local company that you get to know personally instead of calling a number and getting someone in another state or country. I highly recommend talking with Jeremy from Card Systems Inc. for all your processing and POS needs.

Zirilli’s Chilly Treats