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CPGateway Credit Card Payment Authorization and Processing Services


CPGateway is a service provided by Radiant Systems that enhances credit card processing for CounterPoint merchants. CPGateway allows you to obtain card authorizations from your processor using the Internet instead of dialing out for each authorization. This method is much faster and more reliable than dial-up communications and can provide 2-second authorizations.

Please review the CPGateway Brochure to learn more about CPGateway and CPSQL's payment processing options.

CPGateway is available for CounterPoint V7 and CounterPoint SQL. CPGateway can also be used with CPOnline to enable real-time credit card authorizations in your online store.

* Credit card, debit card, and check authorizations via the Internet
* Fast authorization response times—typically 2 seconds
* Faster settlement times
* Internet-based service (uses your Internet connection)
* CPOnline compatibility
* PCI DSS and CISP compliance
* Simple setup
* Economical fees
* Reliability
* Enhanced Security
* One Internet connection serves multiple workstations
* Compatible with Radiant Payment Services, CounterPoint CMP, First Data North, First Data South, TSYS/Vital, and
   Paymentech
* Automatic fallback to dial-up

Details

To authorize a charge, simply record the sale in CounterPoint as usual, obtaining the credit card information using a magstripe card reader (or by entering the card information manually). CounterPoint then connects to CPGateway through the Internet using TCP/IP protocol and requests the authorization. CPGateway maintains a high-speed connection to your card processor and quickly obtains the authorization and passes it back to CounterPoint. Your CounterPoint system is continuously connected to CPGateway via the Internet, and CPGateway stays connected with your processor, so you avoid the delays associated with dial-up service and modems—and typically obtain authorizations in 2-seconds. Use CounterPoint's existing settlement functions to settle a batch via CPGateway. This will settle transactions authorized via CPGateway as well as any transactions authorized using dial-up. Settling via CPGateway is faster than settling via dial-up.

Merchant Relationship

You must establish a merchant relationship for card processing. We recommend taking advantage of the CounterPoint Merchant Program (CMP) by processing through Radiant Payment Services or PNC Merchant Services. Reduced CPGateway fees are available for CMP merchants.

If you do not wish to process under CMP, you may establish a merchant relationship with any processor who can work through First Data North, First Data South, TSYS/Vital, or Paymentech. No additional software purchase is necessary for CMP merchants. Non-CMP merchants require the Credit Cards Option.

Reliability

We understand the importance of absolutely reliable credit card processing. CPGateway is designed to stay in operation 24 hours a day, 7 days a week, 365 days a year.

Maximum reliability is built into CPGateway—redundant (duplicate) servers, redundant Internet connections from your CounterPoint system to CPGateway, redundant communication lines to the card processors, redundant power systems, etc. If your local Internet service fails (your ISP or communication lines go down), CounterPoint will automatically switch to dial-up mode and call your card processor. CounterPoint V7 will automatically use the Modem Server Option, if it is active. All authorizations obtained from your processor, whether through CPGateway or via direct dial-up, are identical and can be settled in the same batch. CounterPoint and CPGateway are designed to ensure that you will keep authorizing and settling credit cards-no matter what.

PCI DSS and CISP Compliance

With CPGateway, your shopper's payment card information is safe and secure CPGateway has passed rigorous safety tests and endures periodic vulnerability scans to ensure the security of all payment card information. All payment card information is securely protected from fraud and identity theft. CPGateway is fully compliant with PCI DSS and CISP. PCI DSS, or Payment Card Industry Data Security Standards, is a strict set of standards designed to protect a cardholder's data from credit card fraudand misuse. PCI Data Security Standards are developed and implemented by a collaborative effort from American Express, Discover Financial Services, JCB, MasterCard Worldwide, and Visa. If a merchant’s retail software is not compliant with PCI, they may be subject to hefty fines. It's critical that merchants choose PCI-compliant retail solutions that protect their customers' payment card information as well as their business. As a PCI-compliant service, CPGateway also adheres to Visa’s Cardholder Information Security Program (CISP).

Radiant Payment Processing Services


Processing payment transactions is a critical component to your business. Working with a merchant services provider who understands your business from the time a transaction is made to settlement of funds is a necessity in today’s world of increased technology complexity.

Backed by Radiant Systems, a global provider of point of sale technology to the hospitality and retail industries, Radiant Payment Services (RPS) helps businesses like yours safely and efficiently process customer transactions and leverage the information related to those transactions.

The entire transaction process is managed - from the time a transaction is made through the settlement of funds. As a result, you have fewer points of contact with fewer opportunities for error – while benefiting from heightened security, competitive and transparent pricing and an integrated, end-to-end solution that is easier to implement and manage.

SOLUTIONS

Credit Card Processing

From point of sale authorization to settlement of funds, Radiant Payment Services’ merchants have access to the most robust payment options available – including everything necessary to accept the nearly one billion credit cards now in the hands of American consumers.

Radiant Payment Services provides your business with:

* Direct connections to all major credit card associations including Visa®, MasterCard®, American Express®, Discover® and
  JCB®
* Fast transaction speeds
* Integrated end-to-end solutions with Aloha and CounterPoint POS
* Ability to use RPS processing with multiple POS vendors various POS vendors
* Nationwide payment infrastructure backed by fully redundant data centers to ensure consistent processing availability and
  optimal routing times

Debit Card Processing

Nearly half of all card transactions are made with a debit card. By offering debit, your customers can still purchase goods and services without having cash or a checkbook handy – and without incurring debt by using a credit card. Your customers can also have the added convenience of getting cash back on purchases…while you have increased protection against chargebacks.

ACH & Recurring Payments

Many businesses need to collect payments from customers in set intervals. Our recurring payments program is designed to allow you to safely and securely collect routine payments or membership dues from a customer’s credit card, debit card or bank account via direct ACH automatically via the Internet. You can also set your own billing cycles and reconcile your records easily through our built-in, user-friendly Web interface.

Accept Credit Cards Online

Commerce-enabling a Web site with a shopping cart allows a business to accept credit card payments for online purchases.

Electronic Benefits Transfer (EBT)

Sign up for Radiant Payment Services’ PIN-secured debit processing and you’re automatically eligible to accept Electronic Benefits Transfer transactions. As state and federal benefits are increasingly issued via EBT, demand for acceptance of this payment type will continue to grow in the retail environment.

Reporting

Radiant Payment Services offers an online reporting tool that provides a broad range of reports and account information 24 hours a day, 7 days a week. Our Web site allows merchants access to their detailed transaction data on demand. In addition, merchants can monitor bank deposits and review current retrieval requests and chargebacks.

Gift Cards

Radiant’s gift card programs are a fast, simple way for businesses to capitalize on existing customers and bring in new customers, stimulating revenue growth. Our gift card program will provide you with plastic, credit-card sized gift certificates personalized with your store name and information. Remaining card balances bring customers back and increase average ticket size. Small amounts that are not used become pure profit to your business.

Customer Loyalty Programs

Repeat business is the lifeblood of running a business. Successful merchants are turning to electronic frequency and loyalty programs to deliver targeted rewards and incentives that stimulate repeat business and increase store traffic. Our customer loyalty programs enable you to create programs that reward your repeat customers for doing business with you.