Call Now: 973.200.2763
More Than Payments: A Smarter Way to Power Your Business
About Us
CardChoice International was founded in 2003 by Ray McGrogan, CEO, and Steven Kleinberg, COO—longtime friends who first met in high school. Before launching their company, both Ray and Steve worked in their respective family businesses and later built successful careers in the financial services industry. This blend of hands-on experience and financial expertise shaped their shared commitment to helping other businesses thrive.
Ray is a licensed Master Plumber in New Jersey (License #NJ 8793), bringing real-world insight into the challenges faced by service professionals. Steve holds a degree in Civil Engineering, further grounding CardChoice in practical, solution-oriented thinking.
For over 20 years, Ray and Steve have cultivated strong, trusted partnerships with carefully vetted financial institutions. These relationships allow CardChoice International to deliver best-in-class products and services from the most respected names in payment technology and merchant services.
Every solution we offer is backed by the core values we live by: Knowledge, Integrity, and Trust. It's the platform we've built our business on—and the standard we bring to yours.
Power Up Your Plumbing Business.
Solutions that save time, boost cash flow, and grow revenue.
Pay Suppliers by Credit Card, even when they don’t accept credit cards.
Maximize rewards: Earn points, miles, or cash back on bills like rent, utilities, and taxes.
Boost buying power: Access opportunities with flexible payments, unlocking bulk discounts, and limited-time offers.
Fuel growth: Optimize cash flow, freeing up capital for strategic investments and high-yield opportunities.
Cut costs: Leverage early pay discounts offered by many vendors to put more money back in your pocket.
Go paperless: Streamline finances with digitized payables, saving time and boosting efficiency.
The All-in-One Payment Solution for Plumbers on the Go
DRIVE MORE BUSINESS FORWARD WITH AN ENTIRE PAYMENTS ECOSYSTEM
Featuring everything from billing to sales tracking to customer engagement, MX™ Merchant streamlines and manages all critical aspects of business. All from one source.
KEY FEATURES
Virtual terminal and mobile App with print, email, and text receipts, CRM with account vault for card and ACH data, reporting & insightful analytics tracking customer habits.
ACCESS TO VALUABLE ADD-ON APPS
- Invoice & Recurring Billing
- Accept ACH (electronic checks)
- Surcharging & More!
Eliminate Credit Card Fees & Keep Your Business Flowing
With CardChoice’s Surcharging and Cash Discount technologies, plumbers like you can eliminate credit card processing fees—without raising your rates or cutting into your profit.
Surcharging: Add a small fee to credit card payments to cover the processing cost. (Debit cards remain unaffected.)
Cash Discounting: Offer a lower price to customers who pay with cash or check, while slightly increasing the standard price for card users.
Fully Compliant: We handle all legal and card-brand requirements, ensuring you stay protected and professional.
Transparent Setup: We provide clear signage and billing practices that keep customers informed and satisfied.
Real Savings: Plumbers typically save thousands per year in fees.
These programs are ideal for in-home services, job-site invoicing, and recurring service agreements, providing a simple and automated way to protect your profit.
Banking That Works as Hard as You Do
Running a small business has never been more challenging. There are customers to serve, inventory to purchase, employees & bills to pay, all alongside keeping an eye on the next big opportunity to stay competitive.
We understand that your business growth depends on having constant access to the money you have earned, so it can be put to use the moment you need it. A Passport commerce banking account allows you to supercharge your payments with its unique feature offerings.
WHAT IS PASSPORT?
Passport is a Banking solution that helps businesses of all sizes accelerate cash flow, streamline transaction reconciliation and optimize working capital. With Passport, you receive access to:
Pass Through FDIC Insured Account: Pass-through FDIC insurance is subject to FDIC rules.
Debit Card: Corporate debit cards for you and your employees.
Vendor Payments: Online bill pay and recurring electronic payments.
Savings & Investments: A variety of interest-bearing accounts, including savings, money market, treasury, and short-term investment options.
Collect-store-send options for recurring payments, ACH, book, check, direct deposit, virtual cards, and more.
Faster Funding: Get cash in hand faster after accepting payments from customers.
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*Our Guarantee:
If your business processes over $10,000 per month through a standard, non-integrated U.S.-based merchant account, we invite you to submit three consecutive months of processing statements for a complimentary savings analysis.
If we can’t demonstrate measurable savings, CardChoice will pay you $250.
No pressure. No commitment. Just a real opportunity to save—or get paid for your time.
© Copyright 2025 | All rights reserved | CardChoice International
9 Law Drive | Fairfield, NJ 07004 | Phone: 973.200.2763 | Toll Free: 866.350.3200 | Fax: 973.954.2122 | Email: sale@cardchoice.com
CardChoice International is an agent for CardChoice Merchant Services LLC, is a registered ISO of Citizens Bank, NA, Providence, RI