Connected by People and Purpose

CardWorks is a leading credit and payments company, and a people-centric, compliance-focused organization enabled by data and technology. Our mission is to clear the path, making it easier for our customers and clients to achieve their goals.

 

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The Right Solutions for Your Needs

Through our companies, we work as a direct lender to consumers, a provider of servicing solutions to banks and non-bank lenders, and payment processing solutions for ISOs and merchants.

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A Workplace That Works With You

CardWorks is a people-centric workplace where you’ll find purpose, opportunities for advancement, and an amazing team!

FIND YOUR FIT

CardWorks Welcomes Dataline Systems

Dataline Systems, LLC is now a wholly owned subsidiary with strengths in business process outsourcing and operational support for financial services.

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Trusted Relationships Through Problem Solving

With over 35 years of operating history, the CardWorks companies include one of the largest managers and servicers of credit card and installment loan products, a top 20 credit card issuer and a top 10 merchant acquirer in the US.

We have significant scale, are willing to tackle tough situations, and build long-term trusted relationships with our customers and clients.

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The CardWorks Companies

Merrick Bank Logo

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick Bank operates three main business lines: credit cards, recreation lending, and merchant acquiring.

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Consumer Lending

We have a card that’s right
for you. We offer direct to consumer lending, including:

  • General Purpose Credit Cards
  • Secured & Partially Secured Credit Cards

Our customers also enjoy account benefits such as:

  • Zero liability for unauthorized use
  • Flexible payment options
  • And much more!

Recreational Lending

We specialize in providing recreation loans to help you enjoy all kinds of outdoor activities. We provide competitive loan options and work with a nationwide network of manufacturers
and dealers to finance:

  • Marine Loans
  • RV & Motor Homes Loans
  • Trailers Loans
  • Powersports Vehicles Loans

Merchant Acquiring

We provide a full range of payment processing services and bank sponsorship arrangements for:

  • Wholesale & Retail Independent Sales Organizations (ISOs)
  • Payment Facilitators (PayFacs)
  • Independent Software Vendors (ISVs)
  • Large & Middle Market Corporations
  • Payment Software & Fintech Companies

CardWorks Servicing, LLC provides end-to-end operational servicing functions for credit cards, secured cards, and installment loans. CardWorks Servicing, LLC services consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

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Primary Servicing

We provide end-to-end credit card and installment loan operations, including 24×7 live agent customer care, digital self-service, dispute and fraud prevention, credit bureau reporting, collections services, and product and program management.

Backup Servicing

We have the ability to act as a reliable warm or hot backup service provider for platforms, financing and securitization vehicles, and asset owners.

Post-Charge-Off Recovery

We provide a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management through CardWorks Servicing, LLC’s affiliate, Carson Smithfield, LLC.