CardConnect is a quote-based fee processor serving over 230,000 retailers in the USA. Its flagship product, CardPointe, is a whole funds platform for companies — providing the whole lot from transaction administration software program to a hosted funds web page. CardConnect additionally sells safety instruments that combine with different software program to permit tokenization and point-to-point encryption.

CardConnect gives one of many extra distinct product catalogs of any service provider companies supplier. There are POS instruments, however not a devoted POS system. There are security measures that may be built-in into different software program, and there’s a platform designed to assist CardConnect third-party gross sales brokers handle their retailers. Total, it makes essentially the most sense to consider CardConnect as a fee processor with some high-tech add-ons that could be proper for your online business.

The very first thing to grasp about CardConnect is that it’s a First Information subsidiary. First Information is the most important service provider companies supplier in the USA, processing over 3,000 transactions per second and over $2.four trillion yearly. First Information acquired CardConnect in 2017 to go together with its spectacular portfolio of distributors that additionally consists of Clover Point of Sale. Which means if you use CardConnect as a fee processor, you’ll be getting a First Information service provider account.

The subsequent factor to know is that CardConnect makes use of each inside and exterior gross sales brokers. CoPilot is CardConnect’s third-party gross sales agent platform that offers CardConnect resellers entry to on-line purposes, pricing templates, gross sales metrics and extra. Whereas CardConnect offers resellers with a structured system for promoting their merchandise, we suggest all the time attempting to work with an inside gross sales agent, as third-party gross sales brokers within the fee processing business have a observe file of unethical conduct, resembling providing quotes above market worth and never disclosing hidden charges. If you happen to do must work with an impartial gross sales agent, tread fastidiously and make sure you negotiate to the perfect of your skills.

Lastly, CardConnect is designed to work for each small and enormous companies throughout all kinds of industries.

CardConnect and CardPointe capabilities

CardConnect sells three branded merchandise, two of that are security-focused. Its flagship product is named CardPointe. CardConnect calls CardPointe its “full platform for enterprise.” Certainly, it does have most of what you would want as a small-business proprietor after which some. Word you can additionally buy most of those merchandise individually.

Service provider account

CardConnect gives service provider accounts via First Information. First Information service provider accounts can settle for credit score and debit card transactions, in addition to ACH funds. There are additionally service provider account choices for high-risk retailers. Word that every one service provider accounts include a built-in fee gateway, making them an amazing resolution for e-commerce retailers.

Transaction administration

CardPointe’s transaction administration system is a desktop utility that offers retailers a high-level overview of their enterprise’s funds in real-time. From the platform, retailers can conduct refunds, voids, reprint receipts, set recurring funds, handle PCI compliance obligations, create buyer profiles, edit their product catalog and parse gross sales information.

Bank card terminal

CardPointe integrates with quite a lot of bank card terminals that may be bought via the CardConnect store. Amongst your conventional countertop terminal choices are the Ingenico iCT220 ($170) and the Ingenico iCT250 ($220). Each function point-to-point encryption and might settle for magstripe and chip card types of fee, however solely the iCT250 can settle for contactless types of fee.

Word that CardConnect additionally sells a cell bank card reader that works along side the CardPointe cell app for a price of $25.

Digital terminal

CardPointe comes with a digital terminal that may run in your desktop gadget to just accept transactions the place a card isn’t current. The platform comes with tokenization and point-to-point encryption. The software program will also be built-in with quite a lot of countertop bank card processing machines that function keypads — permitting you to key in bank card data for card-present transactions.

Suitable bank card processors embrace the ID TECH SecuRED ($115), ID TECH SREDKey ($160), Ingenico iPP 320 ($310), Ingenico iPP 350 ($360) and Ingenico iSC Contact 250 ($500). All of those merchandise could be bought within the CardConnect retailer.

Cellular app

The CardPointe Mobile App is an extension of the CardPointe Transaction Administration system. It’s free to obtain from the Apple or Google Play shops and works along side a cell card reader to course of funds. Word that you just can not course of chip card funds with the cell card reader.

Hosted funds web page

The CardPointe hosted fee web page permits e-commerce retailers to construct a customizable checkout web page for his or her web site. The funds web page is built-in instantly with the CardPointe fee gateway and options tokenization, plus the power to ship invoices and set recurring funds.


CardPointe integrates with hottest e-commerce purchasing carts, account software program and level of sale programs. As a CardConnect buyer, it’s also possible to purchase a Clover POS system via First Information.


CardSecure is software program that integrates into enterprise useful resource planning programs, buyer relationship administration programs, internet shops, cell apps, POS units and different legacy software program to allow digital fee acceptance. All transactions are backed by tokenization and point-to-point encryption. CardSecure also can perform as an omnichannel resolution, consolidating the fee expertise throughout quite a lot of totally different gross sales channels. Different options embrace information breach safety and a reporting suite.

Bolt P2PE

The purpose-to-point encryption (P2PE) is powered by one other CardConnect product referred to as Bolt. You should utilize Bolt individually to allow P2PE on any software program. Bolt additionally works for card-not-present and omnichannel transactions.


Lastly, CardConnect gives quite a lot of developer instruments that let you customise the connection between your web site and its fee gateway. You may also use the API to combine third-party instruments.

CardConnect gives 24/7 buyer assist through cellphone and e mail. The CardConnect web site additionally has assets for retailers, together with a devoted Support Center, a weblog referred to as LaunchPointe and an API documentation database. One other attention-grabbing function is CardConnect’s free startup cost calculator, which offers entrepreneurs with an estimate of how a lot it would value to launch their enterprise.

CardConnect can be energetic on Twitter, Fb, Instagram, YouTube and LinkedIn.

The 2 commonest prices with a fee processor are the per-transaction price and the price for sustaining a service provider account. CardConnect doesn’t disclose any pricing data on its web site, main us to conclude that pricing is fully quote-based relying on the merchandise you want and the kind of enterprise you use.

Typically, higher-volume retailers normally get interchange-plus pricing whereas smaller companies and high-risk retailers get caught with a tiered pricing plan, which is dearer. Further charges you could encounter embrace a PCI compliance price, fee gateway price, paper assertion price and chargeback price. Keep in mind that CardConnect makes use of impartial gross sales brokers who might attempt to lock you into offers with greater charges, so negotiate aggressively.

An extra issue to be cautious of is your contract sort. That is one other space the place smaller companies can get a uncooked deal, as fee processors sometimes try to supply them longer-term contracts with early termination charges. You need flexibility, so try to negotiate month-to-month pricing that permits you to depart at any time. CardConnect contracts range extensively from enterprise to enterprise, so push laborious for phrases which can be in the perfect curiosity of your online business.

Let’s take a look at the professionals to this fee processing service:

Highly effective software program

CardPointe is a really cool service. With it, you get a fee processor that may do a ton of stuff, like host a web site funds web page and observe your transaction historical past. Plus, it integrates with most POS units, that means a little bit tinkering can flip it right into a full-fledged POS system. The one downside is that it’s unclear how a lot you’ll pay to make use of CardPointe.


It’s clear that CardConnect prioritizes safety. Its funds platform has built-in tokenization and P2PE, and these instruments are additionally able to being built-in into different platforms. It additionally offers help in serving to retailers meet necessities for PCI compliance, which is usually a headache to take care of by yourself.

Our main qualm with CardConnect is its pricing mannequin. It’s frequent for fee processors to be ambiguous on the subject of how a lot their service prices, however that doesn’t make it any much less customer-friendly. Nonetheless, we might settle for CardConnect’s ambiguous pricing if it wasn’t for the truth that it makes use of third-party gross sales organizations. The mix of those two issues makes us really feel that clients are susceptible to getting an unfair deal when working with CardConnect. There are many companies available on the market as we speak that supply clear pricing and trustworthy gross sales practices.

Here’s what clients are saying about CardConnect on main evaluation web sites:

  • G2 Crowd: 2.9 stars out of 5.

  • Capterra: four stars out of 5.

  • Higher Enterprise Bureau: A.

The opinions are a little bit of a combined bag. In destructive opinions, clients unsurprisingly complain about being hit with hidden charges and having bother getting out of their contracts. Additionally they say they handled dishonest gross sales brokers, they usually discovered CardConnect’s customer support to be unhelpful after they reached out.

In optimistic opinions, customers say they have been in a position to get a good take care of low interchange-plus pricing. Word that this varies from buyer to buyer, so low pricing for one buyer isn’t indicative of CardConnect’s general pricing mannequin. Different customers say they discover CardConnect very straightforward to arrange and use and its API easy and intuitive.

If CardConnect’s pricing mannequin leaves you wanting, listed below are another fee processors to contemplate:

Fee Depot

Fee Depot is the polar reverse of CardConnect in that it gives one of the clear and most cost-effective pricing fashions within the business. For all transactions, you’ll pay the wholesale interchange worth (the most cost effective worth available on the market) plus a small fastened price ranging between $0.15 and $0.05. The catch is that additionally, you will must pay a month-to-month price ranging between $49 and $199. The membership price you pay is set by your processing quantity. Every membership comes with the whole lot that you must course of funds: A service provider account, bank card terminal, fee gateway and digital terminal. Fee Depot additionally sells third-party POS programs.


If all else fails, there may be all the time Square. Sq. received’t cost you something outdoors of its interchange-plus pricing and the price to purchase one in all its bank card readers. As for these charges, customers pay 2.75% on all in-person transactions, 2.9% + $0.30 for e-commerce transactions and three.5% + $0.15 for digital terminal transactions. There are decrease charges if you buy one in all Sq.’s extra superior bank card readers, such because the Sq. Terminal or Sq. Register. While you enroll you additionally get free POS software program and a free cell bank card reader.

A model of this text was first printed on Fundera, a subsidiary of NerdWallet.


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