Business Details
Trusted Merchant Services & Payment Solutions in Concord, CA
Cocard FHP has been a trusted provider of payment processing solutions for over two decades. Founded in 1997 by Raymond Raya, our company became a member of CoCard in 2000, leveraging access to multiple payment platforms to deliver customized, cutting-edge services. As a family-operated business, we prioritize trust and client satisfaction, with Raymonds children Elizabeth and Zachary actively involved in daily operations. Our expertise spans retail, healthcare, restaurants, and e-commerce, offering state-of-the-art terminals, virtual payment systems, and loyalty programs.We specialize in streamlining transactions through secure, efficient technology while maintaining a client-centric approach. Our commitment to over-delivering on promises ensures businesses can focus on customer relationships. Backed by partnerships with major processors like Wells Fargo and Fifth Third Bank, we provide reliable, scalable solutions tailored to diverse industries.
Services
Merchant Services
Payment Collection Equipment
Gift & Loyalty Programs
Managed Network Solutions
Credit & Debit Processing
Virtual Terminals
Mobile Payment Systems
Highlights and features
- We offer 23+ years of payment processing expertise.
- Our family-owned business prioritizes personalized client relationships.
- Customized solutions for healthcare, retail, and e-commerce industries.
- 24/7 network monitoring and PCI compliance support.
- Partnerships with major payment processors ensure reliability.
Associations and certifications
- Wells Fargo Bank, N.A.
- Fifth Third Bank
Services
Merchant Services
Cocard FHP provides comprehensive merchant services including credit card processing, POS terminals, and mobile payment systems. Our solutions cater to retail, healthcare, and hospitality industries, ensuring fast, secure transactions. Businesses benefit from seamless integration with existing operations and 24/7 technical support.
Payment Collection Equipment
We supply EMV-compliant freestanding and wireless payment terminals for card-present transactions. Equipment includes chip readers, receipt printers, and PIN pads. Ideal for retail stores and restaurants requiring reliable, high-speed processing with PCI-compliant hardware.
Gift & Loyalty Programs
Our gift card and loyalty programs enhance customer retention through point-tracking and automated reporting. Businesses gain marketing advantages with customizable digital solutions that integrate directly with POS systems for real-time analytics.
Managed Network Solutions
24/7 monitored network firewalls, PCI compliance validation, and intrusion prevention systems protect payment data. Features include remote installation, $100K TrustVault certificates, and employee cybersecurity training to safeguard business operations.
Mobile Payment Processing
Turn smartphones into payment terminals with app-based mobile processing. Enables field service providers and pop-up businesses to accept cards anywhere, consolidating transactions through a single gateway with real-time payment tracking.
People
Raymond Raya
Founder
Raymond Raya founded Premium Business Solutions in 1997 and joined CoCard in 2000. He leads Cocard FHP with a focus on trust, family values, and innovative payment solutions for diverse industries.
Questions
How long does the payment terminal approval process take?
Approval typically takes 24-48 hours after submitting a complete application. Equipment ships promptly upon approval.
What business types does CoCard PBS support?
We serve retail stores, restaurants, healthcare providers, nonprofits, e-commerce platforms, and home-based businesses.
Can I process payments using a mobile device?
Yes, our mobile solutions turn smartphones or tablets into secure payment terminals for on-the-go transactions.
Do you offer gift card programs?
Yes, we provide integrated gift card and loyalty programs with automated reporting to boost customer retention.
Are your payment systems PCI compliant?
All solutions include PCI compliance features like encrypted transactions, vulnerability scanning, and security training.
