![Logo|250](Pasted%20image%2020240313165359.png)
## Overview

ChargeOver supports accepting Australian credit card payments with [BPoint](https://www.commbank.com.au/business/payments/take-online-payments/bpoint-payment-gateway.html). According to BPoint's website, they are Australias largest bank and the benefits with using BPoint as a gateway include benefits like fast processing and real-time authentication and same day settlement to your CommBank Business Transaction Account!

## How to connect

Steps to connect BPoint and ChargeOver together are below!

### In BPoint

1. Login in to your BPoint account
2. Go to the **"Admin"** tab in the top bar of your screen
3. Go to ==Add New User==

![](./b07aaeb3-e233-49e3-93d4-defd23606748--ao.png)

3. Fill out the required details here and make sure to choose the **"API"**
   option for Permissions

![](./60efec59-cb50-4d3d-905b-3f5cd74ad03b-hx0.png)

4. Click the ==Create User== button at the bottom

   - This will send you an email to the address you put in here with a
     **"Temporary Password"**
   - This is just the password that you will use for the API. (You'll use this
     password when we go to ChargeOver, feel free to "Copy" it to your
     clipboard)

![](./ba5f6e2b-9ecc-4d51-95f3-274527f0f501-tly.png)

Now login to your ChargeOver account.

### In ChargeOver

1. Go to your Settings and select ==Payment Processing==
2. Select ==Add or Configure a Payment Method or Merchant Account==
3. Select ==BPoint== from the list
4. Paste that **"Temporary Password"** into the **"BPoint Password"** field here
5. Enter the Username for the new user you created in the **"BPoint Username"**
   field
6. The BPoint Merchant Number is the same number you used to log into BPoint at
   the beginning
7. Click ==Save==

You can now accept Credit Card payments with BPoint using ChargeOver!

## Common questions

Does the integration between BPoint and ChargeOver support…

|Feature|Supported? ✅|
|---|---|
|Dynamic Statement Descriptors|✖️|
|[Tokenized Payments](https://help.chargeover.com/docs/getting-paid/payment-processors/#enable-tokenization)|✅|
|Credit Card Payments|✅|
|ACH (USA) Payments|✖️ |
|EFT (CAD) Payments|✖️|
|ACH (AUS) Payments|✖️|
|Credit Card Refunds|✅|
|ACH Refunds|✖️ |

#### Can BPoint send multiple ACH or EFT payments into a single settlement batch?

✖️ No. BPoint does not support ACH with ChargeOver. 

#### Can BPoint report ACH payment status' to ChargeOver?

✖️ No. BPoint does not support ACH with ChargeOver. 

#### Does BPoint support same-day refunds for credit cards?

✅ Yes!

## Supported currency

ChargeOver accepts this currency with BPoint.

- AUD

## Supported merchant country

This is based on where your business is located.

Australia.

## Keep in mind

Any limitations this gateway may have with ChargeOver are listed here.

* If you're wanting to use a test credit card to test the gateway, the amounts
  you enter in will need to be entered as whole dollars, otherwise it will
  return an error
- We support pre-generated Tokens for BPoint

## Common decline messages

If you are unsure what a BPoint decline message means or what to do next, the most common error messages you might encounter are explained below.

| Error message   | What BPoint is trying to tell you                                                                 | Next steps                                                                                        |
| --------------- | ------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------- |
| ERR_DECLINE     | BPoint told ChargeOver the payment was declined.                                                  | You or the customer should contact BPoint to discuss the reason for the decline.                  |
| ERR_CREDENTIALS | BPoint told ChargeOver that your authentication credentials for Forte are incorrect.              | You should contact BPoint and fix the credentials you use to connect to them.                     |
| ERR_EXPIRED     | BPoint told ChargeOver the credit card has expired.                                               | You should contact the customer and ask them to provide a new payment method.                     |
| ERR_CVV         | BPoint told ChargeOver the credit card was declined due to an incorrect CVV or CVC security code. | Your customer should provide a correct CVV or CVC security code, or provide a new payment method. |

## BPoint support

If you need to contact BPoint’s support team, you can use the information below.

**[Support Website](https://www.commbank.com.au/business/payments/help.html?ei=help_faqs)**

**Phone Number - 1300 766 031**