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If you’re looking for a way to take credit cards using a computer, you’ll need a gateway. CardPointe is available for businesses in a variety of industries, but may be particularly helpful for businesses that accept a lot of commercial credit cards. Read on for information on the services and costs.
Like all gateways, the CardPointe gateway is necessary for taking credit cards online, by mail, or by phone. It’s available from CardConnect and any processing company that’s compatible with CardConnect. The CardPointe gateway also powers the Ingenico/CardPointe countertop terminal, allowing it to be used for the more specific requirements of accepting commercial credit cards.
The CardPointe gateway offers features to allow you to take credit cards online, in person, using a virtual terminal, or with a recurring billing option. As mentioned earlier, it also complies with requirements for commercial card acceptance. CardPointe integrates with Quickbooks Pro, Premier, Enterprise and POS. QB Online integration is coming soon.
CardPointe utilizes real-time transaction management that allows you to not only accept payments, but process voids and refund transactions as necessary. You’ll be able to take major credit and debit cards, send receipts to customers, and view reports. You can use the compatible Ingenico terminal to take payments in person, or the mobile app if you’re accepting cards on the go.
The CardPointe gateway powers a virtual terminal that allows you to take credit cards by phone or mail using your computer. As long as you have an internet connection, you can access a secure form to input cardholder information. Cardholder data isn’t stored on your computer, helping ensure security for you and your customers.
If you prefer to use your computer to take cards in person as well, you can still use a virtual terminal to do that. However, you may want to connect an optional USB or Bluetooth card reader to swipe credit cards, as you may be eligible for lower costs and increased security by swiping instead of manually keying in cards.
Businesses that need to charge customers on a set schedule can take advantage of the gateway’s recurring billing option, eliminating the need to manually re-enter payment information every time you want to charge a customer. Secure customer profiles let you easily manage clients.
If you take a lot of business or purchasing credit cards, you may be eligible for lower costs if you take certain steps. Notably, you’re required to send additional information with the transaction at the time of purchase. CardPointe’s system is set up to send that data for you automatically, giving you the best of both worlds: the lower costs associated with enhanced data and the convenience of auto-fill fields.
Taking commercial cards without sending the additional data will cost you more, so it’s very important to take the right steps to ensure you’re getting the lowest costs.
See also: B2B Transactions – Level 2 and Level 3 Data.
The costs for using CardPointe vary by processor. If you’re currently taking credit cards, you can contact your existing processing company to find out if it supports CardPointe and how much it costs. If you don’t have a processor (or are considering switching), you can use the CardFellow quote request tool to see pricing from processors that support CardPointe.
The CardPointe gateway offers a convenient auto-fill option for the extra fields needed to get the best interchange rates for commercial cards. If you're a B2B business or even just take a lot of business cards, CardPointe may be able to help lower your interchange costs.
Cardconnect and Cardpointe have the best customer service of any merchant processor by far. I have never waited on hold to speak to a rep and they are always friendly and easy to understand. Merchant processors usually have horrible customer service. I have been so happily surprised every time I have needed to call them that I literally searched google to find out where I could write a review for them. If you are new to merchant processing and you haven't chosen cardpointe, you will likely find out the hard way that customer service is super important when things go wrong, like when you spill coffee on your terminal. I was not asked to write this review or paid to write this review and I am an actual customer.