A method and apparatus for forming transaction cards. A smooth glossy outer surface may be provided on transaction cards without the use of an over-laminate film. A liquid coating material may be applied to a sheet substrate, which is subsequently subjected to heat and pressure so that the liquid coating material forms a smooth outer surface that may be highly durable and abrasion resistant. Transaction cards may be made using a material that includes a substantial amount of PLA, and may be made to meet ANSI and ISO specifications for transaction cards.