Since 1995 · U.S. Merchant Services, in English and Japanese
Smarter credit card processing and solutions for your business.
For more than 30 years, we've helped businesses across the U.S. accept payments with confidence. We bring the thoughtful, attentive service Japanese businesses are known for to every customer interaction — from application and setup to everyday support and beyond.
Why Smart International
Every business is unique. Your payment solutions should be too.
We customize the right solution for your business type and operating style, so you can focus on running your business.
Bilingual Merchant Support
Applications, setup, deposits, chargebacks, and emergencies — all handled in both English and Japanese.
One application, every card
Apply once and accept VISA, Mastercard, Amex, Discover, JCB, Diners, and UnionPay. Approvals in as little as 24 hours.
Paperwork made simple
Legal documents are hard to understand. We provide a simpler process so you feel confident every step of the way.
A CoCard Member Office
As part of a nationwide network of independent sales organizations, we stay connected to industry updates, insights, and resources to better support our clients.
Simple Onboarding
Get set up in 3 steps
From first conversation to your first sale — guided in Japanese the whole way.
Tell us about your business
Talk with a bilingual specialist about your store, your customers, and how you want to get paid. No jargon, no pressure.
We set up your account
We handle the application, underwriting, and hardware — then pre-program and ship your terminal or POS ready to use.
Start accepting payments
Go live and accept every major card. Deposits, reporting, and any questions are supported in both English and Japanese.
What We Do
Everything you need to get paid
A full payment toolkit for any business in the U.S.
Products & POS
The right hardware for how you sell
From a countertop terminal to a full iPad POS, we match the tools to your business — and support them in Japanese.
Who We Serve
Custom Solutions that match your business
Retailers, restaurants, and service businesses trust us to handle their payments.
Restaurants & Cafés
Table-side ordering, split checks, and kitchen printers.
Retail & Grocery
Fast checkout, inventory, and barcode scanning.
Beauty & Salons
Simple terminals and appointment-friendly payments.
Professional Services
Invoicing, recurring billing, and virtual terminals.
E-Commerce
Online checkout, shopping carts, and hosted payments.
Wholesale
Invoicing, recurring billing, and online checkout.
Trusted Infrastructure
Backed by the payments industry's leaders
We give you access to trusted payment networks and platforms while providing the responsive, hands-on support you expect from a local business.
Cards we process
Processing partners
- Fiserv
- Global Payments
- Worldpay
- NMI
- Authorize.Net
A CoCard member office — part of a nationwide network of independent payment professionals providing businesses with payment processing solutions and industry support. CoCard is a registered Independent Sales Organization of KeyBank, N.A., Cleveland, OH; Citizens Bank, N.A., Providence, RI; Wells Fargo Bank, N.A., Concord, CA; Fifth Third Bank, N.A., 38 Fountain Square Plaza, Cincinnati, OH 45263; and PNC Bank, N.A., Pittsburgh, PA.
Ready to accept payments with confidence?
Talk with a specialist today. Get clear answers, practical guidance, and payment solutions tailored to your business.