Overview: What are we talking about?

Gingr currently offers two direct payment integrations: Gingr Payments and CardConnect. Gingr Payments, powered by Stripe, is our newest integration and will be the future of integrated payments with Gingr. In this article, we will compare the two options and provide resources for moving onto the Gingr Payments platform.

Important: If you are currently storing cards on file, these cannot be migrated across processors at this time. Please review the FAQ section at the end of this article.

This article includes:

• Gingr Payments vs CardConnect
• Switching to Gingr Payments
• FAQ

Related Articles:

• How to Sign Up for Gingr Payments
• How to Sign Up for CardConnect Processing

Gingr Payments vs CardConnect

Available Countries	United States Canada United Kingdom Many more! View a full list here: Gingr Payments Overview	United States Canada
Terminal Availability	United States Canada United Kingdom New Zealand  Australia	United States
Terminal Options	Purchase Only WisePOS E (cost: $249)	Purchase or Rent Clover Mini (cost: $699 or $30/month) Clover Flex (cost: $549 or $20/month) Ingenico Lane/7000 (cost: $755 or $30/month) Ingenico Lane/3000 (cost: $515 or $20/month) Review terminal options here.
Cards on File	Store TWO cards on file per Owner	Store ONE card on file per Owner
Rates & Fees	Standard Rates:  Card present - 2.79% plus $.05 per transaction Card not present - 2.99% plus $.30 per transaction  Volume Discounts available	Standard Rates:  Card present - 2.95% plus $.10 per transaction Card not present - 3.4% plus $.10 per transaction
Funding	Payout schedules vary by country. For a full list of payout schedules by country check out this article: Gingr Payments Overview	Batch times are customizable. Choose between next-day or 2-day deposits.

How to: Switch to Gingr Payments

If you are currently using CardConnect and would like to switch to Gingr Payments, please follow the instructions below.

Step 1: Sign up for Gingr Payments

• How to Sign Up for Gingr Payments

Step 2: Order and Configure a Stripe Terminal (optional)

• How to order a Terminal for Gingr Payments
• How to Set Up your Stripe Credit Card Terminal (WisePOS E) for Gingr Payments

Step 3: Configure Gingr Payments and Start Processing

• How to configure Gingr Payments and start processing

Step 4: Cancel your CardConnect account

• Contact our support team to let us know that you have switched to Gingr Payments and would like to cancel your CardConnect account. We will handle the cancellation for you and arrange for the return of any equipment (if necessary). Please note that if you cancel this account, any payments processed via CardConnect cannot be refunded via credit card. They will need to be refunded via cash, check, or another payment method. CardConnect will continue to charge monthly and annual fees on open accounts, regardless of whether or not you are using the account for processing transactions. 
  
  
• As cards on file cannot be ported between processors, all CardConnect cards on file should be deleted before removing your CardConnect MID from Admin > Credit Card Processing. When contacting our Support team about this switch, you can request that our support team delete all CardConnect cards on file or you can remove them from your customers' profiles manually.
   
   

   

FAQ: 

Can I use Gingr Payments & CardConnect at the same time? 

While it is possible to be signed up for both processors, it is not supported to use both at the same time. This will create significant issues when owners are trying to process payments from the Customer Portal and when trying to use any cards on file on the business end. Facilities should choose one or the other and then ensure they have only one processor connected to any active payment methods. 

If I switch over to Gingr Payments, do I have to keep my CardConnect account?

No! If you have made the switch to Gingr payments and want to cancel your CardConnect contact Gingr Customer Support for assistance in canceling the account. CardConnect will continue to charge monthly and annual fees on open accounts, regardless of whether or not you are using the account for processing transactions. 

Please note that if you cancel your CardConnect account, any payments processed via CardConnect cannot be refunded via credit card. They will need to be refunded cash, check, or another payment method. 

Will I keep all the cards on file when I switch to Gingr Payments?

Cards on file cannot be transferred from CardConnect when switching to Gingr Payments since they are separate processors. At this time the cards on file cannot be migrated over so your customers will need to re-enter their card details. This can be done on the business side via the Owner Profile or the shopping cart, as well as by the customer from the Customer Portal. 

Can I use my Clover or Ingenico terminal with Gingr Payments? 

No, Gingr Payments only supports the available Stripe terminal. 

Can customers leave tips on Stripe terminals?

Yes, on-reader tipping is available with the WisePOS E terminal in the US, UK, and CA. This can be configured on the Gingr Payments Dashboard. 

It is not possible to push cards on file to the terminal to prompt tips. If you need to add a tip to a card on file, this can be added to the shopping cart before navigating to the payment window via an open line item. For more information see our article about Open Line Items "Setting up Open Line Items for Tips". 

What card types are accepted with Gingr Payments?

Gingr Payments can accept most types of credit and debit cards in the United States. For businesses in Canada, Interac debit cards can be accepted via the card terminal and manual entry.