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Credit Cards
Electronic check authorization and debit card processing are also provided. |
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For information on available processing services and fees, call your CounterPoint Business Partner, and ask about the CounterPoint Merchant Program. CMP processors will transfer settled card charges to your local bank. CounterPoint also includes check authorization compatible with Certegy (formerly Equifax, formerly Telecredit) and Telecheck (using Telecheck's Radiant-compatible processing service). Full support is provided for multiple industry classifications, including Retail, Mail-order/Telephone-order(MOTO), and Ecommerce. An optional CPGateway service is available for fast (2-second) Internet credit card authorizations. |
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Read more about Visa CISP Compliance |
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AVS is used for card applications, such as mail-order, where the physical card is not present and the risk of fraud can be reduced by confirming address information. AVS processing does not affect whether or not the charge is approved. Instead, it informs the user whether or not the address provided by the customer matches the address information on file with the credit card company so that the merchant can decide whether or not to process the order. AVS is available for Point of Sale and Order Entry. |
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Check authorization uses the same modem and a dial-up phone. A MICR check reader is optional. MICR readers are quicker and more accurate than manual data entry. MICR processing is supported with Equifax, Telecheck, and CMP processors. Under Unix/Linux, one serial port with a modem can be shared by multiple users. On a Windows or NetWare network, each workstation requires a modem. The Modem Server Option allows multiple workstations to share a single modem. For low-volume applications, multiple modems may share a single phone line. Support is provided for the Verifone series 101, 201, 1000, and 2000 PIN pad models. To ensure proper programming and operation, these units must be obtained from PNC Merchant Services or CES. CPGateway service requires an Internet connection. |
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During Ticket Entry, the credit card is swiped through the magnetic stripe card reader. Card information is read, and a phone call is placed to authorize the charged amount. The processor returns an authorization number or a decline. Capabilities are provided for call retry and for a backup phone number. Up to three different credit cards can be used on one ticket. Authorization only commits the cardholder's credit line. Funds are not actually transferred. Invoices and receipts print the credit card information required by the processor. User-defined receipts can support one- or two-part paper with a signature line, as well as an abbreviated sales draft that omits the printing of the merchandise sold. For added security, you can optionally mask credit card numbers and expiration dates so that only the last four digits are retained in history and printed on receipts and reports. After Ticket Entry is complete, the Draft Capture Enter function allows revision of charge transactions, as well as entry of manual transactions. The Authorize function allows batch-authorization of manually entered transactions, as well as Ticket Entry transactions that were not authorized due to operational problems at the time of sale. The Pre-Settlement List allows the user to review and balance the day's activities. The Settle function allows the user to initiate electronic transfer (settlement) of funds with the processor daily. For most card types, settled funds are transferred (via ACH) to the user's local bank within two business days. |
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The optional CPGateway service has startup and monthly transactional fees. |
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