![Logo|200](cardpointe/cardpointe-logo.png)

## Overview

ChargeOver supports connecting to [CardPointe](https://www.cardconnect.com/cardpointe/) to process your credit card and ACH payments.

## How to Connect

### In CardPointe

Reach out to CardPointe to receive **Merchant ID**, **API Username**, and **API Password**

### In ChargeOver

1. Go to **Settings** then ==Payment Methods==
2. Click ==Add or Configure a Payment Method or Merchant Account==
3. Select **CardPointe** from the options
4. Enter in your **Merchant ID**, **API Username**, and **API Password**
5. Scroll to the next section and designate which payment types you accept. For example, Visa, Mastercard, ACH/eCheck and more.
6. Click ==Save== when finished

![](cardpointe/cardpointe-setup.png)

## Common questions

Does the integration between CardPointe and ChargeOver support…

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

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

✅ Yes! CardPointe does this automatically!

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

✅ Yes!

#### Does CardPointe support same-day refunds for credit cards and ACH?

✖️ CardPointe supports same-day refunds for credit cards, but not for ACH.

## Supported currencies

CardPointe supports most currencies. Merchants requiring additional currencies can be setup as needed with CardPointe.

## Supported merchants countries

The United States and Canada. 

## Common decline messages

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

|Error Message|What CardPointe is Trying to Tell You |Next Steps|
|---|---|---|
|ERR_DECLINE|CardPointe told ChargeOver the payment was declined. |You or the customer should contact CardPointe to discuss the reason for the decline. |
|ERR_CREDENTIALS|CardPointe told ChargeOver that your authentication credentials for Forte are incorrect. |You should contact CardPointe and fix the credentials you use to connect to them. |
|ERR_EXPIRED|CardPointe told ChargeOver the credit card has expired. |You should contact the customer and ask them to provide a new payment method.|
|ERR_CVV|CardPointe told ChargeOver the credit card was declined due to an incorrect CVV/CVC security code. |Your customer should provide a correct CVV/CVC security code, or provide a new payment method.|
|ERR_CREDITCARDNSF|CardPointe told ChargeOver the credit card was declined because the provided card does not have enough available funds to cover the transaction. |Your customer should make sure that there are sufficient funds availalbe and that there are no holds or restrictions on the card, or provide a new payment method.|


## CardPointe Support

If you need to contact CardPointe's support team, you can use the information below.

**[CardPointe's Support Website](https://support.cardpointe.com/contact-support/)**