CardPointe® Gateway
A Fiserv‑Owned Platform (formerly First Data) Built for Speed, Security, and Scale
From countertop terminals to fully tokenized e‑commerce APIs, CardPointe brings the power of Fiserv’s acquiring network to businesses of every size— and Centaurus Merchant Services layers on ultra‑low Interchange + 0.20 % + $0.10 - Or Lower! or 0 % surcharge pricing.
Core Features
- Real‑Time Transaction Dashboard: Live auths, settlements, and chargebacks—filter by MID or location.
- CardSecure Tokenization: Replaces PAN data with vaulted tokens—PCI scope dramatically reduced.
- CardPointe Virtual Terminal: Key‑entry, token billing, refunds, and recurring profiles.
- Hosted Payment Page: No‑code checkout form, Apple/Google Pay enabled.
- Next‑Day Funding: Batch by 11 PM ET for next‑business‑day ACH deposits.
- Omni‑Token: One token works in‑store, in‑app, and online—unify customer data.
- CardPointe Mobile App: iOS & Android—Bluetooth EMV reader, keyed payments, real‑time alerts.
- Point‑to‑Point Encryption (P2PE): Optional PAX A‑series or Ingenico terminals ship encrypted and pre‑tokenized.
- Dispute Resolution Center: Upload evidence and respond to chargebacks inside the same portal.
- Multi‑MID Management: Chain accounts toggle view to compare volumes and fees instantly.
- Subscription Billing API: Save cards, set frequency, automatic dunning & retries.
- Webhooks: Push notifications for auths, settlements, and disputes to any endpoint.
Popular CardPointe Add‑Ons
| Add‑On | What It Does | Monthly Fee |
|---|---|---|
| CardSecure P2PE | Hardware‑based encryption certified to PCI P2PE v3; lowers SAQ to 26 questions. | $7.95 |
| CardPointe Account Updater | Auto‑refresh expired or reissued card tokens to reduce payment declines. | $9.95 |
| Fraud Defender | Rules‑based engine: velocity, geo‑IP, device fingerprint, 3‑D Secure 2.0. | $14.95 |
| ACH / eCheck Module | Flat‑fee ACH processing with same dashboard & tokens. | $0.25 per item |
| CardPointe Gateway API | REST + JavaScript SDKs for SaaS platforms—payments, tokens, billing, webhooks. | Included |
Powered by Fiserv (First Data) Back‑End
CardPointe taps directly into Fiserv’s former First Data processing rails, giving you global acquiring, multi‑currency support, and industry‑leading authorization speeds. With more than 2,000 financial‑institution partners, Fiserv clears and settles billions of transactions daily—now wrapped in CardPointe’s merchant‑friendly UI.
Lower Your CardPointe Costs with Centaurus
- Interchange + 0.20 % + $0.10—or our 0 % credit‑card surcharge setup.
- $0 gateway fee, $0 PCI non‑compliance (when SAQ completed).
- Free PAX A‑920 or Ingenico Lane/3000 terminal with qualifying volume.
- Month‑to‑month agreement; early‑termination fee: $0.
Book a Live CardPointe Demo
Email hello@merchantservicesmx.com or call (888) 731-0456 to see CardPointe in action and get a no‑obligation savings analysis.
Request My CardPointe Quote