Founded in 1999, COCARD is a company of like-minded, owner-operated, Independent Sales Offices (ISOs). Our unique structure allows us to capitalize on collective bargaining power and a mutually leveraged exit strategy. Our mission is to pass this value on to our clients. COCARD is managed by member-volunteers with over 100 years of industry experience, who give their time to serving on our board and its various committees. We also have full-time leadership and a dedicated staff headquartered in Nashville, TN. Our paid staff is small, and our operating expenses are low, which lets us pass savings to our members and merchants.