EXHIBIT 23.3



                       UNDERWRITERS CONSENT AND CERTIFICATION
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     The sales of this offering will be through Regulation S-B, Form SB-2. The
Underwriter (Rockcrest Securities, LLC.) will receive ten percent commission
from the sales of this offering. This offering will only be sold by the
following:

ROCKCREST SECURITIES, LLC.
3626 N. HALL STREET, SUITE 920
DALLAS, TX. 75219

CONSENT AND CERTIFICATION BY UNDERWRITER
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1.   The undersigned hereby consents to being named as underwriter in an
     offering statement filed with the Securities and Exchange Commission and
     the following States; Illinois, Texas, Massachusetts, Colorado, California,
     Florida, Louisiana, Kansas, Nevada, Oklahoma, Oregon, Idaho, Washington,
     Connecticut and the Georgia Securities Division by [AMERICAN CARD
     TECHNOLOGY, INC.] pursuant to Regulation S-B, in connection with a proposed
     offering of [COMMON STOCK] to the public.

2.   The undersigned hereby certifies that it furnished the statements and
     information set forth in the offering statement with respect to the
     undersigned, its directors and officers or partners, that such statements
     and information are accurate, complete and fully responsive to the
     requirements of Disclosure Document and Exhibits of the Offering Statement
     thereto, and do not omit any information required to be stated therein with
     respect of any such persons, or necessary to make the statements and
     information therein with respect to any of them not misleading.

3.   If Preliminary Offering Circulars are distributed, the undersigned hereby
     undertakes to keep an accurate and complete record of the name and address
     of each person furnished a Preliminary Offering Circular and, if such
     Preliminary Offering Circular is inaccurate or inadequate in any material
     respect, to furnish a revised Preliminary Offering Circular or a Final
     Offering Circular to all persons to whom the securities are to be sold at
     least 48 hours prior to the mailing of any confirmation of sale to such
     persons, or to send such a circular to such persons under circumstances
     that it would normally be received by them 48 hours prior to their receipt
     of confirmation of the sale.

     Rockcrest Securities, LLC.    
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     (Underwriter)

By:  /s/ James S. Harris      Date:    4 \ 30\ 98   
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     President

(d) All written consents shall be dated and signed manually signed.

IN WITNESS WHEREOF I have hereunto set my hand and official seal

                                        /s/ Michael Kosloske          
[SEAL]                                   -----------------------------------
MICHAEL W. KOSLOSKE                      Notary Public
NOTARY PUBLIC-MINNESOTA
HENNEPIN                                My Commission Expires:   1/31/2000 
My Comm. Exp. January 31, 2000                                   -------------