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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:
Country codeCountry codeCountry codeCountry codeCountry codeCountry codeCountry codeCountry code
ADAEAFAGAIALAMAO
AQARASATAUAWAXAZ
BABBBDBEBFBGBHBI
BJBLBMBNBOBQBRBS
BTBVBWBYBZCACCCD
CFCGCHCICKCLCMCN
COCRCUCVCWCXCYCZ
DEDJDKDMDODZECEE
EGEHERESETFIFJFK
FMFOFRGAGBGDGEGF
GGGHGIGLGMGNGPGQ
GRGSGTGUGWGYHKHM
HNHRHTHUIDIEILIM
INIOIQIRISITJEJM
JOJPKEKGKHKIKMKN
KPKRKWKYKZLALBLC
LILKLRLSLTLULVLY
MAMCMDMEMFMGMHMK
MLMMMNMOMPMQMRMS
MTMUMVMWMXMYMZNA
NCNENFNGNINLNONP
NRNUNZOMPAPEPFPG
PHPKPLPMPNPRPSPT
PWPYQARERORSRURW
SASBSCSDSESGSHSI
SJSKSLSMSNSOSRSS
STSVSXSYSZTCTDTF
TGTHTJTKTLTMTNTO
TRTTTVTWTZUAUGUM
USUYUZVAVCVEVGVI
VNVUWFWSXKYEYTZA
ZMZW

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Supported currencies

CardPointe supports processing payments in the following currencies:
Currency codeCurrency codeCurrency codeCurrency codeCurrency codeCurrency codeCurrency codeCurrency codeCurrency codeCurrency code
AEDAFNALLAMDAOAARSAUDAWGAZNBAM
BBDBDTBGNBHDBIFBMDBNDBOBBOVBRL
BSDBTNBWPBYNBZDCADCDFCHECHFCHW
CLFCLPCNYCOPCOUCRCCUPCVECZKDJF
DKKDOPDZDEGPERNETBEURFJDFKPGBP
GELGHSGIPGMDGNFGTQGYDHKDHNLHTG
HUFIDRILSINRIQDIRRISKJMDJODJPY
KESKGSKHRKMFKPWKRWKWDKYDKZTLAK
LBPLKRLRDLSLLYDMADMDLMGAMKDMMK
MNTMOPMRUMURMVRMWKMXNMXVMYRMZN
NADNGNNIONOKNPRNZDOMRPABPENPGK
PHPPKRPLNPYGQARRONRSDRUBRWFSAR
SBDSCRSDGSEKSGDSHPSLESOSSRDSSP
STNSVCSYPSZLTHBTJSTMTTNDTOPTRY
TTDTWDTZSUAHUGXUSDUSNUYIUYUUYW
UZSVEDVESVNDVUVWSTXAFXCDXCGXOF
XPFYERZARZMWZWG

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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.

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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.