Introduction

CardPointe is CardConnect's online merchant portal. This article will help you understand the following features of CardPointe: Dashboard; My Account; Reporting; Transactions; Gateway Batches; Funding, Chargebacks, and Statements; Virtual Terminal; Batch Settlements; and Batch Reports.

Dashboard

The Dashboard within the CardPointe portal will give you a brief summary of funds authorized and captured, funding events over the last 5 dates, and a graph showing the amount of money going in and out of your business via credit card processing over a period of time.

My Account

The 'My Account' tab will allow you to view your different accounts (if you have more than one location/Merchant ID [MID]), along with the status of the account, PCI compliance status, contact info, accepted card types, and statement preferences.

There are sections within 'My Account' that deal with equipment and orders. These should not be used. If you need additional or replacement swipers, please contact Gingr Support.

Reporting

The 'Reporting' tab will allow you to view detailed information on credit card transactions going through your business as well as batching information.

Transactions

The 'Transactions' sub-tab within the reporting tab is a section that allows you to see each credit card transaction that has been processed through your merchant ID (MID). You can filter transactions by location, date, method, status, and more. You can also search for a transaction using the CardConnect transaction ID or authorization code that can be found on the Gingr receipt.

You can click on the transaction # to view more details about the transaction, including reason codes for declined transactions.

Gateway Batches

The 'Gateway Batches' sub-tab within your CardConnect reporting tab is a section that allows you to see a history of your credit card batches as well at the status of the batch. You can click the batch number to open the details of a selected batch — including transaction details.

Funding, Chargebacks, and Statements

The 'Funding' sub-tab within your CardConnect reporting tab is a section that will allow you to view funds coming in by date and their associated batches.

The 'Chargebacks' sub-tab within your CardConnect reporting tab will allow you to view chargebacks you have completed or submitted to CardConnect.

The 'Statements' sub-tab within your CardConnect reporting tab will allow you to download posted statements that contain details information about your credit card transactions. Statements from CardConnect are generally published on the 8-10th of the month for the preceding month's activity.

Virtual Terminal

The virtual terminal is a function within the CardConnect portal that should not be used as it allows you to process card transactions outside of Gingr. Doing so will create discrepancies between your financial reporting in Gingr and your CardConnect transaction/batch records.

If you have a situation where you are not able to process Credit Cards directly through Gingr, then please reach out to Gingr Support via email or chat.

Batch Settlements

For most Gingr credit card processing clients, you'll just use the auto-settle feature that is set by our merchant service provider, CardConnect. CardConnect automatically sets your settlement time to close at 9:30PM EST (which is adjusted based on your timezone). By closing at 9:30PM EST, you are able to take advantage of next day funding and receive all funds settled the previous night (prior to 9:30PM EST) the following business day (excluding weekends).

If you'd like to check on how your auto-settlement is set up, you will need to log into the back office portal at CardConnect at: https://gingr.cardconnect.com/account/login#/login.

From there you'll want to select the Administration Tab:

And then the Batching sub-tab:

If for any reason you want to change your batch time, you can simply click along the slider bar to adjust.

As you'll see in our example above, we're in the Mountain time zone. Batching at 5:50PM local time will settle all funds received prior to that time and funds will be available the next morning. However if your facility closes after the time required to take advantage of next day funding, you'll end up with two batches within a single business day: in our case those transactions prior to 5:50PM and those received up until our normal closing time. Those transactions received after 5:50PM will be included in the batch for the following day. You'll just have to decide if receiving the funds the following day is more important than having all transactions within a single business day contained within one card processing batch. If you don't take advantage of next day funding, you'll generally receive all funds one additional day later.

Please note that if you want to change your time to later than what is automatically entered, you'll need to uncheck the box that indicates "Automatically close batch for Next Day Funding." You'll also want to click on the little garbage can next to the time to trash the previously set time:

Merchants on the North platform (CardPointe, Clover and First Data POS / Gateway only) will now have the ability to batch out at a later time, while still getting their funds the next day. We are thrilled about the value this experience will add to our merchants' businesses.

New batch times are as follows:
Batch Close Time: 9:50 p.m. ET
Next Day Cutoff: 10:00 p.m. ET

The cutoff to North Merchants using Clover:
Clover: 9:30 p.m. ET
Clover with Tip Enabled: 8:00 p.m. ET

INSTRUCTIONS FOR ACTIVATING:
Automatic enrollment for new merchants: All merchants boarded on the First Data North Platform on or after March 8, 2018 automatically receive later next-day funding times.

Automatic enrollment for existing CardPointe merchants:
Starting today (April 2, 2018), merchants using CardPointe products (retail and virtual terminal, mobile app, hosted payment page, gateway) will be automatically enrolled in Later Next Day Funding.

Important:  If a merchant previously edited their batch time in CardPointe, they were not automatically enrolled in Later Next Day Funding. If these merchants would like to take advantage of Later Next Day Funding, they must manually update the Next Day Funding cutoff time in CardPointe by navigating to Administration » Batching.

Gingr Batch Report

If you want to run a batch report within Gingr, you may do so by navigating to Left-hand Navigation: Reports & More » Reports » CardConnect Batch. Please see our article Run CardConnect Batch Report for more information.

Related Resources

• CardPointe App Topic Outline
• Register & Log In How-To