Summary

Gingr uses the information you gave us to prepare an official application with CardConnect. It has your rate-match details, contact information, and other needed data. It is CardConnect's standard form for new customers. You must review and electronically sign it to open your merchant account.

Before You Begin

• Use a laptop or computer, not a mobile device. Chrome or Firefox is best.
• If you cannot open the online application, email credit@gingrapp.com. Gingr sends you a paper application to sign.
• If you are a Canadian business, Gingr sends you a PDF application. You do not need to follow the steps in this article.

Steps

You get an email from donotreply@cardpointe.com. If you do not see it, check your spam folder.

1. At the bottom of the email, select Sign My Application. This takes you to the CardPointe website.

   

2. Create an account. You use this account for your application and for online portal access to view statements and activity.

   

Step 1: Business Information

After you create the account, you go straight to your application. Gingr entered most of the information. Check that it is correct. You also need to provide:

1. Tax ID

   

2. Date of Birth (DOB)

   

3. Last 4 digits of your Social Security Number (SSN)

   

4. After you check everything on this page, scroll down and select Ok. Looks great, let's move on!

   

Step 2: Banking and Processing Information

1. Set up your Banking Information. This is where your deposits show and where fees are deducted, if they apply.

   

2. Review the Processing Info section. Gingr completed it from the statements you gave us. If you did not give a statement, Gingr used the information most relevant to your business, based on industry averages. This gives the quickest approval. After you review it, select Ok. Looks great, let's move on!

Warning: If you see anything here that is far off, tell Gingr before you change anything.

Step 3: Equipment

Check the equipment you chose for this account. Check the Model and Quantity. If either is wrong, tell Gingr before you move forward.

Step 4: Agree and Sign

The next page lists all your rates and fees by line item. After you confirm they are correct, go to the next section of the page.

You may have questions about some fees. These are likely incidental fees that only apply in certain situations:

• DDA Reject Fee: An insufficient funds fee, if your account does not have the funds to cover the monthly processor fees.
• Chargeback Fee: This fee only applies when someone claims you did not provide the product or service you charged for, or when a card is used fraudulently, such as a stolen card, and the real card holder says they did not make the purchase. This is very rare in our industry.
• Retrieval Fee: This fee only applies if you ask the processor for records older than 18 months. You should never pay it, because you can see your records in Gingr back to the start of your account.
• PCI Non-Compliance Fee: You only pay this fee if you do not complete the questionnaire and scan. Gingr gives you step-by-step instructions to stay compliant. You have 60 days after your account is approved to finish, so there is plenty of time to avoid the fee.
• Early Termination Fee: This is set to $0 above. It overrides what the Program Guide below lists.

As you scroll down, you see a copy of the First Data Program Guide, 3 checkboxes, and a signature box.

1. Download the First Data Program Guide for your records. Check the box I have read and agree to the First Data Program Guide.
2. In the Sign Here box, type your full name as it shows on the application.
3. Check the first box, I am a Corporate Officer and I give my Personal Guarantee.
4. Select I Agree to sign the application electronically.

   

You go back to the main screen, where your application shows as In Progress.

Next Steps

• Approval usually takes 1 to 2 business days, unless more information is needed.
• You get an email from donotreply@cardpointe.com titled Your Application is Complete! Welcome to CardPointe. It has your MID, which you use to set up Gingr. See Get Started with Credit Card Processing.

Related Articles

• Credit Card Processing Feature Overview
• Get Started with CardConnect Topic Outline
• Differences Between Gingr Payments and CardConnect Reference