About Us
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About Us

We’re industry leaders with over 20 years experience.

Smart Transaction Systems is an expert in helping small business grow through the use of innovative technology. STS seamlessly combines customer loyalty programs with mobile marketing services, and gift card programs with e-commerce capabilities to create unique, highly reliable tools for increasing profitability.


Since its founding in 1998, STS has provided thousands of small businesses big-business solutions, enabling them to compete with larger corporations. STS does not offer one-size-fits-all solutions. Equipped with an excellent understanding of the wide range of issues small businesses face, STS prides itself on its ability to provide relevant, inexpensive tools that achieve each company’s unique goals in marketing, customer loyalty, revenue generation, and online e-commerce presence.


We’re an independent processor located in Boulder, CO. Learn more about the benefits of working with an independent processor.


We’ve been providing gift card services to small, medium and large businesses since 1998. Our experience helps us create solutions other processors haven’t thought of.


We proudly serve over 11,000 merchants with stored-value card solutions, helping them increase profitability using gift cards, loyalty, and more.


We have innovative technology you can’t find anywhere else. We create the solutions savvy business owners need, but can’t find with a generic gift card processor.

Some of our valued customers

AEG Worldwide     |     Harley-Davidson     |     Lou Malnati’s Pizzeria     |     HobbyTown
Michigan Retailers’ Association     |     Alliant Merchant Services     |     Bank of America
Round Table Pizza     |     Pro Sports Club     |     Matco Tools
Frederic Fekkai (Proctor & Gamble)     |     Arctic Circle Restaurants
Jeans Warehouse  |  Super Supplements     |     Grotto Pizza   |  Peoples Bank
Me-N-Ed’s Pizzerias     |     Shubert Theatres

Versatile solutions for all markets

STS serves a broad spectrum of companies in the retail, restaurant, lodging, education, health care, government and travel industries. We also serve many financial institutions and Independent Sales Organizations. From turn-key gift and loyalty services to totally customized solutions, we create the technology businesses need.


Increase your revenue by offering Smart Transaction Systems gift and loyalty programs to your customers. We enable you to provide your customers with a complete line-up of stored-value card solutions that are easy for your salespeople to understand and sell. Click below to send us a message and learn more about becoming a reseller.

Partners & Developers

Our Partner Program is designed to provide organizations in any part of the world with customized partner relationships that meet each organization’s unique requirements. Use our experience and technology to launch your own stored-value programs in record time.

Contact us today to get started creating your perfect solution.