CardPointe

Connect your CardPointe merchant account to process credit card and ACH transactions through Preczn.

CardPointe is a direct merchant payment processor powered by CardConnect that enables standalone merchants to accept credit card and ACH (bank account) payments.

Supported Capabilities

Capability	Status	Notes
Credit Card Transactions	Supported	Full transaction lifecycle including auth, capture, sale, refund, and void
ACH (Bank Account) Transactions	Supported	Process eCheck payments using bank routing and account numbers

Supported Transaction Types

Type	Card	ACH	Description
Sale	✅	✅	Authorize and capture in a single request
Auth	✅	—	Authorize only (hold funds without capturing)
Capture	✅	—	Capture a previous authorization
Refund	✅	✅	Return funds from a captured transaction
Void	✅	—	Cancel an uncaptured authorization
Verify	✅	✅	Zero-dollar auth to validate a card or bank account

ACH transactions support Sale, Refund, and Verify only. Auth, Capture, and Void requests with a bank account are rejected — use Sale instead of Auth + Capture, and refund an ACH transaction after settlement rather than voiding it.

Adding Merchant Credentials

To connect CardPointe, you'll need the following credentials from your CardPointe account:

Credential	API Field	Required	Description
API Username	`key`	Yes	Your CardPointe API username for authentication
API Password	`secret`	Yes	Your CardPointe API password for authentication
Merchant ID	`mid`	Yes	Your CardPointe merchant identifier
Site URL Prefix	`urlPrefix`	No	Your CardPointe site URL prefix (see Site URL Prefix below)

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Credential Verification
Preczn automatically verifies your CardPointe credentials when you save them. If verification fails, you'll receive an "Invalid connection credentials" error. Double-check that your API username, password, and merchant ID are correct and that your account is active.

Configuration Methods

CardPointe credentials can be configured through three methods:

Dashboard Upload

Upload credentials directly through the merchant connection settings in the Preczn Dashboard.

Navigate to Merchants > select merchant > Connections
Click Add Connection and select CardPointe
Enter your API Username, API Password, and Merchant ID
Optionally enter your Site URL Prefix
Save the connection

Merchant Import

Include CardPointe credentials when importing merchants via CSV. Use the following column headers:

Column	Description
`cardpointe_api_username`	API Username
`cardpointe_api_password`	API Password
`cardpointe_merchant_id`	Merchant ID

API Integration

Configure credentials programmatically using the merchant connections endpoint:

curl --request PATCH \
  --url https://api.preczn.com/v1/merchants/{merchantId}/connections/CardPointe \
  --header 'Authorization: Bearer {api_key}' \
  --header 'Content-Type: application/json' \
  --data '{
    "key": "{API Username}",
    "secret": "{API Password}",
    "mid": "{Merchant ID}",
    "urlPrefix": "{Site URL Prefix}"
}'

Request Fields

Field	Type	Required	Description
`key`	string	Yes	Your CardPointe API username
`secret`	string	Yes	Your CardPointe API password
`mid`	string	Yes	Your CardPointe merchant ID
`urlPrefix`	string	No	Site URL prefix (e.g., `site-uat`). See Site URL Prefix.

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No Spaces Allowed
The key, secret, mid, and urlPrefix fields cannot contain spaces. Requests with spaces in these fields will be rejected.

Site URL Prefix

CardPointe uses site-specific URLs to route API requests. The site URL prefix determines which CardPointe environment your transactions are sent to — for example, a prefix of site-uat resolves to https://site-uat.cardconnect.com. Test and live connections are configured separately, so make sure each connection's prefix points at the matching CardPointe environment.

How It Works

The site URL prefix can be configured at two levels:

Merchant connection — Set on the individual merchant's CardPointe connection
Platform connection — Set as a default on the platform-level CardPointe connection

Preczn resolves the request URL for every transaction as follows:

Configuration	Request URL
Merchant connection has a `urlPrefix`	`https://{merchant urlPrefix}.cardconnect.com`
Only the platform connection has a `urlPrefix`	`https://{platform urlPrefix}.cardconnect.com`
Neither connection has a `urlPrefix`	Preczn's default CardPointe endpoint — sandbox or production, based on the transaction's test mode

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When to Set URL Prefix
Most integrations should set the urlPrefix at the platform level so all merchants share the same CardPointe site. Only set it at the merchant level if a specific merchant uses a different CardPointe site than the rest of your portfolio.