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	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

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.

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

If a merchant connection has a urlPrefix, that value is used. If not, Preczn falls back to the platform connection's urlPrefix. If neither is set, Preczn uses the default sandbox or production endpoint based on the merchant's test mode setting.

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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.