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CardPointe is a payment platform from Fiserv, a global financial services technology company. The platform provides payment processing solutions for merchants worldwide, supporting card payments with features like delayed capture, partial refunds, over-capture, payment method tokenization, and 3DS authentication across multiple currencies and countries.

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Setup

To get started with CardPointe:
  1. Speak to the CardPointe Integration Delivery Team to obtain sandbox credentials for your region. See Integration Process Overview.
  2. When setting up CardPointe in the dashboard, configure the following credentials:
    • API Username - The API username associated with your CardPointe merchant account
    • API Password - The API password associated with your CardPointe merchant account
    • Merchant ID - The Merchant ID value set up by the CardPointe Integration Delivery Team
    • Site Name - The site name associated with your CardPointe merchant account (for example https://{site_name}.cardconnect.com/)

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Connector configuration

After setting up your CardPointe connector in the dashboard, configure how transactions are routed to it. Choose one of the following options:
  • Using Flow - Configure CardPointe as the target connector in Flow to automatically route card transactions to this connector
  • Using the API - Explicitly set the payment_service_id parameter to the CardPointe connector ID when creating transactions. This overrides any Flow routing rules.
The connector ID can be found in the dashboard under Connections -> Configured connections.

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Features

CardPointe supports the following features:
  • Delayed capture - Authorize a payment and capture it at a later time
  • Partial capture - Capture a portion of the authorized amount
  • Over-capture - Capture more than the originally authorized amount
  • Refunds - Full and partial refunds of the captured amount
  • Void - Cancel an authorized transaction before capture
  • Zero auth - Verify a card without charging it
  • Payment method tokenization - Store payment methods securely for future use
  • 3-D Secure - Support for pass-through 3DS authentication

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Supported countries

CardPointe supports transactions from buyers in the following countries:

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Supported currencies

CardPointe supports processing payments in the following currencies:

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Limitations

The following features are not supported by this connector:
  • Partial authorization - Authorizing only a portion of the requested amount
  • Digital wallets - Native support for Apple Pay, Google Pay, and other digital wallet integrations
  • Network tokens - Network-level tokenization is not available
  • Issuer-based installments - Installment payment plans are not supported
  • Cancel - Canceling transactions is not supported
  • Delete token - Deleting stored payment method tokens is not supported
  • Statement descriptors - Statement descriptors cannot be set via Gr4vy. Configure your merchant statement descriptor in the CardPointe dashboard under Administration -> Descriptors.
This is a closed-loop connector. Some failover scenarios are limited. For details, see Open loop versus closed loop.

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Integration

To accept card payments with CardPointe, use one of Gr4vy’s client-side integration methods to securely collect card details. Due to PCI compliance requirements, card data should never be sent directly to your servers. You can integrate using:
  • Embed - A pre-built, customizable payment form that handles the complete payment flow
  • Secure Fields - Embed card input fields for building custom payment forms while maintaining PCI compliance
  • Mobile SDKs - Native SDKs for iOS, Android, React Native, and other platforms
These methods handle card data collection and tokenization. Once the card details are collected and tokenized, create a transaction through the Gr4vy API, which automatically routes the payment to your configured CardPointe connection based on your Flow rules or explicit payment_service_id parameter.

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Testing

For testing in sandbox environments, you can use standard test card numbers provided by CardPointe: Successful transactions:
  • Visa: 4111 1111 1111 1111
  • Mastercard: 5555 5555 5555 4444
  • American Express: 3782 822463 10005
Use any future expiry date and any 3-digit CVV (4 digits for American Express). For more test scenarios and additional card numbers, refer to the CardPointe testing documentation or contact your CardPointe representative.