cardpaysolutions.com

What It Is

CardConnect (represented on our site by its independent sales agent, Cardpay Solutions) was founded in 1988 and is a long-established U.S. transaction processing provider. Its core product, the Cardpointe® gateway, integrates merchant accounts and provides omnichannel payment processing solutions for e-commerce and retail businesses.

Key Dimension Analysis

• Service types: Offers a payment gateway, merchant acquiring, virtual terminal, and hosted payment pages, covering both online and offline use cases.
• Supported payment methods: Supports major credit cards, debit cards, EBT, gift cards, and digital wallets such as Apple Pay, Google Pay, and PayPal.
• Countries/regions covered: Primarily serves U.S.-based merchants, but its Global ePricing service supports multi-currency processing in more than 140 foreign currencies, enabling global payment acceptance.
• Rates and fees: Transparent pricing with no hidden fees. The Basic plan is 2.90% + $0.30 per transaction with no monthly fee; the Pro plan is 1.89% + $0.23 per transaction with a $19.95 monthly fee, but non-qualified card types incur an additional 1% surcharge. Both plans waive setup fees, gateway fees, and other miscellaneous charges.
• Settlement time: Supports next-day funding, helping merchants improve cash-flow turnover.
• Compliance and licensing: As a registered ISO of Wells Fargo and BBVA USA, it has a solid compliance foundation. Its Cardsecure® tokenization solution complies with PCI SSC guidelines and significantly reduces the PCI compliance scope for merchants.
• Risk control capabilities: Uses Cardsecure® random tokenization technology to replace sensitive card numbers, combined with advanced fraud filters to help prevent data breaches and transaction fraud.
• API and integrations: Provides SSL-encrypted developer APIs and is compatible with hundreds of shopping carts and e-commerce platforms. It also offers hosted payment pages, reducing development complexity while maintaining compliance.

Pros and Cons

Pros: Transparent rates with no miscellaneous fees; supports 140+ foreign currencies; built-in support for B2B Level II/III data, which can effectively reduce interchange costs for corporate card transactions; mature tokenization-based risk controls.
Cons: The Pro plan charges a 1% surcharge for non-qualified cards; its business and onboarding are mainly geared toward U.S. companies, making it less friendly to non-U.S. businesses.

Who It’s For

Best suited for U.S.-based small and midsize e-commerce businesses, subscription-based service providers, and companies that need to accept B2B purchasing card payments and want to reduce processing costs through Level III data.

Access from China and Alternatives

Access from China: The website is directly accessible, but account opening requires a U.S. business entity and a U.S. bank account. The service has practical limitations for merchants in mainland China (partially restricted).
Alternatives: Chinese companies expanding overseas may consider payment gateways with more global merchant support, such as Stripe, Braintree, or PayPal.