Discover all your approved payments, transaction details for payouts, and a variety of insightful reports available through Cardpointe! Keep track of your financial journey with ease and stay informed about your progress!
🎬 Want a video walk-through?
🎬 Want a video walk-through?
No worries, we've got you! Here is a video that covers everything in this document.
Login
Your CardPointe account is integrated with DaySmart, but CardPointe has a separate site for all CardPointe-related Items. Make your way over to the CardPointe Merchant Portal, then enter your login credentials.
Don't have a registered username? Be sure to check your email - an email to register your login likely arrived in your inbox around the time you signed up for processing.
Once you start the registration process, you are prompted to enter an additional Two-Factor security code that is sent to the email address associated with your account. The one-time security code is sent to your registered email address from our security partner, Ping Identity. Enter the security code and select Log In.
*Please note that your login credentials should not be shared with anyone else. Subusers can be added for additional users.
My Account
The My Account tab provides essential information about your account. It is important to log in and visit this section at least once a year to complete your PCI compliance filing, ensuring you avoid any non-compliance fees. Additionally, this tab allows you to review your active devices and any devices you have ordered.
Accounts
If you have more than one MID/location, each linked account will be displayed here. Selecting the hyperlink titled Not Compliant will launch a browser to take you to your Secure Trust Portal.
This portal is where you can complete your PCI Compliance. We have an article that goes over every step of PCI Compliance. Please be sure to follow the article; if the incorrect options are selected, you will still be non-compliant.
You have 60 days to complete PCI Compliance before a fee may be added to your account. PCI compliance is required to be filled out yearly to ensure you are not charged any non-compliant fees.
Equipment & Orders
You can sort your equipment list by location, MIDs if you have multiple, or by status.
In the Equipment tab, you can view a list of your account’s active devices.
The Orders tab shows order history and has tracking numbers if you're waiting on a device.
Select the drop-down arrow next to the order you wish to track
Select the FedEx tracking number to launch the FedEx tracking website.
Reporting
Whenever you process a transaction, it will be recorded in Cardpointe. This serves as a reliable method to verify payments, especially if you have any concerns. We recommend confirming the payment by checking the last four digits of the card number.
Transactions
The Transactions page displays a minimal set of data by default, providing a general overview of your transactions.
Search transactions by the data you have available. Enter your search term into the search box to show the matching transactions. We recommend:
The last 4 of the cards used
Amount ran
Use Filters to show transactions from specific locations, dates, or transaction statuses if you don't have the information above. By default, the search function searches all searchable columns.
The Status lets you know what state the credit card transaction is in.
Processed - Transaction has been fully funded.
Captured - Transaction has been run and will be processed overnight.
Declined - Declined by the issuing bank
Refunded - Funds have been sent back to the cardholder.
Authorized - The credit card company has authorized the card for use but has not charged yet.
💡 If you see a transaction marked as authorized, it means it’s pending but not yet charged. Pending transactions drop off in 3–5 days if not captured. To complete the payment (capture) or remove the pending charge (void), click the button below for steps.
Custom reports
Custom reports
Custom reports are valuable tools that enable you to monitor and manage information specifically tailored to your needs, especially when pre-made reports do not suffice. They allow for greater flexibility and precision in data tracking, ensuring you have access to the insights that matter most to you.
Create custom reports based on your filters to load the same settings in the future.
Once you have selected the filters you desire, click Unsaved Report and then Save.
Title your report however you'd like
If you have multiple users and you want them to use this report, then you can change the report type to public.
To switch between reports, use the Saved Reports button and select the title you're looking for
To delete a report, select it, then click the report title next to saved reports, and click Delete Report.
Export this report as a CSV or Excel file if you would like to download it.
Funding
Funding
The Funding page provides an overview of all deposits made into your bank account. If you manage multiple MIDs, you can utilize the location button to filter and view the deposits for a specific MID or select multiple MIDs at your convenience.
Use the search box to find a specific date if needed.
Click on a funding date to see a list of all associated transactions and fees taken out that day.
If you're seeing fees once at the beginning of the month, typically the 2nd, this is your Processing fees from the month prior being removed. Take a look at your statements to see those fees broken down. If you're seeing any other fees or discrepancies you would like explained or reviewed, 💬 Contact Us!
Chargebacks
Chargebacks
The Chargebacks page displays all chargebacks submitted by cardholders to dispute a transaction, including the location, request date, due date, reason, and the original transaction information associated with the chargeback.
Chargebacks are not common but occur when a cardholder submits to their bank that they did not authorize the transaction. DaySmart can not stop a cardholder from reporting charges as fraudulent. Please dispute any fraudulent chargebacks.
If you need to dispute a chargeback, you will need to contact Cardpointe and provide the case number from the website or mail. You can call CardPointe's support team at (800)-281-6305
Statements
Statements
Statements are made available on the 2nd of each month, allowing you to review your recent monthly merchant statements. These statements provide a detailed breakdown of how much you earned each day and any fees associated with your account for that month.
At the beginning of each month, any processing fees owed will be deducted from your account. To see your statement, simply click on the date of each statement to download a PDF copy.
Administration
The Administration section offers vital tools for managing user access and communication settings. You can effortlessly add new users to the system, ensuring that your team stays current. Moreover, you can personalize the notifications you receive, providing updates that align with your preferences. If any changes are needed, it's simple to adjust the batch out time, helping you enhance operational efficiency.
Users
When your CardPointe account is first created, you are designated as an admin user, which provides you with access to all features and information within the platform.
If you wish to adjust your timezone settings, you can easily update this in your user profile. Simply click on your name, locate the timezone field, make your changes, and remember to save your updates once you're finished.
Sub Users
Sub Users
To provide access to other individuals within your business, create a separate user account for them. You can control permissions for each account, allowing you to control each user's level of access.
Click the +New User button.
Enter the user's Name, Email address, Time Zone, and select the User Type.
Admin: Users are granted full access to all data and functions.
Click the Save button to create the account.
Standard: users are restricted from creating or managing users, and can be further limited to specific data and functions by location.
We recommend enabling the applicable permissions for Location, Reporting data, and Support Ticketing.
Click the Save button at the bottom to create the account.
You will be prompted with a verification code to authenticate your account. The code is sent to your email on file and will expire in 10 minutes of being sent. A successful authentication is valid for the duration of your session.
Lastly, a registration email is then sent to the email address for the new user to create a password and complete the account registration.
You can edit a user's permissions later by clicking on the first or last name and going to site permissions. Make sure to save at the bottom!
Notifications
CardPointe provides notifications regarding transaction issues when you have either the Dashboard or Email notifications enabled for the specific issues you wish to be informed about.
Click on the Name of the user.
Then select the tab ‘Dashboard Notifications’
Place a check next to any item you wish to display on your Dashboard, then select Save.
Then select the tab ‘Email Notifications’
Place a check next to any item you wish to receive an email notification for, then select Save.
It is strongly recommended to turn on the ‘Per Rejected Transaction’, 'PCI Non-Compliance', 'Statement', and 'Support Ticket Alerts' email notifications.
CardPointe requires the PCI compliance form to be submitted yearly to avoid non-compliance fees.
Batching
Next-day funding is supported by default if you choose to have your cards automatically batch out by 9:30 EST. If you choose to do next-day funding, you’ll want to make sure you run your corresponding DaySmart financial reports from 9:30 EST the previous day to 9:30 EST the following day.
Pro Tip! Sometimes, next-day funding isn’t the easiest to reconcile due to needing to change times when running reports. Users who want the convenience of reconciliation will change the batch times to midnight, the location time, so they can run their sales reports within the software to match the calendar day. In this case, 2nd day funding will occur, and card sales taken on Monday will be funded on Wednesday in your bank.
📢 FAQ
How can I link accounts/locations?
How can I link accounts/locations?
Please send us an email and provide the Merchant IDs to both accounts, and specify which is the parent account.
Any account can be the parent if you have no preference. We will submit the ticket on your behalf and let you know once done.
Q: Where are my funds?
Q: Where are my funds?
If it's the beginning of the month, take a look at your statements to see if these missing funds are your processing fees.
If there were any issues depositing, CardPointe will hold onto the funds. Please provide the following information,
Merchant ID (MID)
Last 4 of Bank Account or Tax ID (EIN)
Dates issues occurred
Amount missing
The amount funding should be
We can see if the account has a hold or if there are any other issues.
Q: What do I do when a payment doesn't go though?
Q: What do I do when a payment doesn't go though?
Most declined transactions are related to the card. Please review any error messages for more context.
Common Causes of Payment Failures:
Insufficient funds in the account associated with the card.
Errors or issues with the payment gateway response.
Incorrect or outdated card details.
The Issuing Bank requires additional payment authorization.
External payment processor (e.g., CardPointe) declining the transaction.
Retry Payment: Ensure the funds are on the card and try again with the reader or manually attempt the transaction again.
Update Payment Method: We ask that you reach out to the cardholder to ensure that funds are available and the card details are correct
If you're still having issues, our agents can check the status of transactions and answer any questions. To assist you better, please provide the following information:
Cardholder Name
Date ran
Amount
The last 4 of the cards used
Ticket ID in DaySmart
Q: What is PCI Compliance?
Q: What is PCI Compliance?
The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies that accept, process, store, or transmit credit card information maintain a secure environment. Read more.
Q: What is my username?
Q: What is my username?
We can provide you with your username and email on file or send you an email to register your account. Please provide the following information to verify the account:
Your Name
Merchant ID (MID)
Last 4 of Bank Account or Tax ID (EIN)
Q: What if I don't know my password?
Q: What if I don't know my password?
If you know the email you signed up with but are just unsure of the password, you can click Forgot Password to have a reset link sent to your email. If you don't see it at first, check your Spam / Junk folder.
💬 Contact Us
Don't understand what you're seeing in CardPointe and still have questions? Contact us through our live chat option at the bottom right of this article or email us at [email protected].
For full documentation of the CardPointe merchant application, Click Here.