About Us

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.


Who We Are



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 for 18 years. Our experience helps us create solutions other processors haven’t thought of. 


We proudly serve over 10,000 merchants with stored-value card solutions. Learn more about how we’ve increased profitability for business owners 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. Learn more. 

Our Customers

Here are a few 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. Learn more about our custom solutions.


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. Email us to 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. Learn more