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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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Capabilities

Cards are stored with CardPointe, which keeps and replays the Mastercard Transaction Link Identifier (TLID) itself. Nothing is needed from you or from Gr4vy.

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Supported countries

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Supported currencies

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Limitations

  • 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 - Embed SDKs for iOS, Android, and React Native
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.