Your Regional Merchant Services Partner
Based in Sioux Falls and serving the Upper Midwest, CARD SPECIALISTS, LLC helps local businesses optimize credit card processing, select the right POS systems, and stay secure with PCI DSS compliance guidance.
Our Services
Credit Card Processing
Seamlessly accept Visa, MasterCard, Discover, and American Express payments in-person, online, or by phone. Card specialists optimize processing for small and mid-sized Upper Midwest businesses, reducing transaction fees and improving reliability.
- Next-day funding options
- Competitive, transparent rates
- Mobile, countertop, and virtual terminals supported
- 24/7 technical and account support
POS Terminal Selection & Integration
Our experts recommend, source, and install the best POS (point of sale) systems for your operation — be it retail, service, or hospitality. We ensure a seamless transition regardless of business size or complexity.
- EMV chip, NFC/contactless & magstripe terminal options
- Equipment training for your team
- Supports cloud, on-premise, and hybrid POS platforms
- Integration with accounting and inventory software
PCI DSS Compliance & Security Guidance
Protect your company by navigating the requirements of the Payment Card Industry Data Security Standard (PCI DSS). We guide you through compliance, helping to avoid costly data breaches and non-compliance penalties:
- Annual SAQ preparation & submission
- Vulnerability scanning coordination
- Cardholder data flow analysis
- Employee security awareness training
Payment Fee Optimization
We analyze your merchant statements and business setup to uncover savings opportunities, leveraging regional providers and tailored interchange strategies for greater value.
- Statement and rate analysis
- Negotiation with acquirers/processors
- Solutions for brick-and-mortar & e-commerce
- Ongoing monitoring against hidden fees
How to Choose the Right Merchant Services
- Understand Your Transaction Volume & Methods: Consider average sale size and how customers pay now and in the future.
- Compare Processing Fees & Contracts: Look for transparent pricing and avoid long-term commitments unless they provide clear savings.
- Seek Expert POS Guidance: The right terminal or system depends on your industry and workflow — ask for vendor-neutral advice.
- Prioritize Security & Compliance: PCI DSS is mandatory — make sure guidance and documentation are provided.
- Plan for Future Growth: Select solutions that scale and adapt as your needs change.
Who We Serve
Service Scope
- Serving South Dakota, North Dakota, Minnesota, Iowa, Nebraska, and the Upper Midwest
- Local, regional, and remote installation & support
- Custom solutions for new, growing, and established businesses
- Payment gateway and recurring billing setup
- Advice on PCI-compliant data storage and retention
- Bilingual support available on request
Getting Ready: What to Prepare
- Most recent merchant processing statement (for fee review)
- Details about your POS/hardware and software systems
- Your expected payment types: chip, magstripe, contactless, online, recurring
- Information about average sale, refunds, and chargebacks
- Business entity, address, and contact details
- Questions about PCI DSS requirements or concerns
How to Get Started
Ready to review your current payment processing or set up new merchant services? Here’s how you can get started efficiently with us:
- Contact us by email or phone with your business information and processing objectives.
- Share your current statement if you’d like a fee and compliance review.
- Discuss your POS and payment preferences during a free initial consultation.
- Receive tailored options and a clear breakdown of terms (no hidden fees).
- Schedule implementation and training at your convenience.
Frequently Asked Questions
About CARD SPECIALISTS, LLC
CARD SPECIALISTS, LLC began as a division within Orbitcom in Sioux Falls, originally created to help clients save on fees for processing payments tied to telephone and internet services. After years of growth and client demand, we became an independent merchant services provider focused on credit card processing, POS solutions, and PCI DSS data security for businesses in the Upper Midwest.
We believe in regional expertise, personal service, and transparent advice. Whether you need to replace a single terminal, upgrade systems across branches, or improve your payment security, we are your reliable resource for every stage of merchant service management.
As an Upper Midwest company, we understand the needs and regulations of local businesses and strive to build lasting partnerships through honest consultation.
