CardWorks is a leading credit and payments company based in Woodbury, New York. It offers services such as direct lending to consumers, servicing solutions for banks and non-bank lenders, and payment processing for merchants and ISOs. CardWorks is a top 20 credit card issuer and a top 10 merchant acquirer in the US. Their target audience includes consumers and financial institutions. The unique selling proposition is a people-centric approach, focusing on empowering underserved consumers and providing a strong compliance-focused environment enabled by data and technology, with guiding principles of doing the right thing and customer-first service[1][3][5].