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BBB Accredited Business since


Phone: (877) 772-3346 Fax: (312) 300-4874 525 W Monroe St STE 2350, Chicago, IL 60661 View Additional Email Addresses View Additional Web Addresses

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Cardience is a credit card processing service which provides credit card processing technology and payment processing for businesses and merchants, both at physical storefronts and online. Located in Chicago, IL, this company serves downtown Chicago and surrounding areas, including Evanston, Brookfield, Cicero, Berwyn, Edison Park, Skokie, Winnetka, Wilmette, Lemont, Lisle, Norridge, Norwood Park, Stickney, Oak Park, Burbank, Alsip, Blue Island, and Morton Grove. The company also serves businesses further from Chicago through their online services. This company has been in business since 2001 and serves a variety of business types, including stores, restaurants, bars, lodging and hotels, tourist attractions, taxis and limousine services, gas stations, and other merchant types that would like to provide the ease and convenience of accepting debit and credit cards for their customers.

This company offers payment processing services as well as the technology necessary to process the payments. Their payment processing services include credit and debit cards, and can allow companies the choice of accepting Visa, MasterCard, American Express, Diners Club, Discover, JCB, and corporate cards through a variety of outlets, including a physical terminate, virtual terminal, or a payment gateway. Attributes of these payment processes include competitive discount rates, direct settlement from American Express, chargeback management, and in depth reporting on revenue. Companies can also buy, rent, or lease terminals from Cardience, including countertop terminals, wireless terminals, or mobile card readers, and can also set up virtual terminals or payment gateways on their laptop or website.

Visit the website for Cardience to learn more about their payment processing services and contact the company to learn how to begin using their services.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Cardience meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Cardience include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 15 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

15 complaints closed with BBB in last 3 years | 4 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 5
Billing/Collection Issues 3
Delivery Issues 2
Guarantee/Warranty Issues 0
Problems with Product/Service 5
Total Closed Complaints 15

Customer Reviews Summary Read customer reviews

1 Customer Review on Cardience
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: November 06, 2013 Business started: 01/25/2001 in NY Business started locally: 01/25/2001 Business incorporated 02/02/2012 in IL
Type of Entity

Limited Liability Company (LLC)

Business Management
Ms. Jean Broaddus, Director
Contact Information
Principal: Ms. Jean Broaddus, Director
Business Category

Credit Card Processing Service Payment Processing Service Credit Services Marketing Consultants Financial Transactions Processing, Reserve, and Clearinghouse Activities (NAICS: 522320)

Alternate Business Names
Credico (USA), LLC.

Customer Review Rating plus BBB Rating Summary

Cardience has received 3.68 out of 5 stars based on 1 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.