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 delight our clients and customers.Learn more
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.CONTACT US
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 15 Visa/Mastercard 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.
The CardWorks Companies
Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick Bank operates three main business lines: credit cards, recreation lending, and merchant acquiring.Learn more
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!
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
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.LEARN MORE
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.
We have the ability to act as a reliable warm or hot backup service provider for platforms, financing and securitization vehicles, and asset owners.
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.