Processing under the CounterPoint Merchant Program (CMP) is provided in the CounterPoint Base System. The capabilities of the Credit Cards Option are described under Credit Cards (CMP).
An optional CPGateway service is available for fast (2-second) Internet credit card authorizations for merchants processing under CMP, First Data North, First Data South, Paymentech or TSYS.
The Credit Cards Option supports a number of alternative
processors. Compatible processors are listed below:
First Data North (CES, Cardnet, or FDMS North)
NaBANCO (FDMS South)
Paymentech
TSYS
Card processors who strictly follow the TSYS protocol are
compatible with the Credit Cards Option (TSYS version).
CounterPoint performs terminal-based (not host-based)
processing with the compatible processors listed. The
compatible processors ensure that your software
will work with the vast majority of U.S. banks.
Radiant strongly recommends processing credit card transactions through one of CounterPoint's Preferred Processors:
First Data North (used for the CounterPoint Merchant Program)
TSYS
Paymentech
Using a CounterPoint Preferred Processor ensures compliance with rapidly changing credit card standards and access to the most favorable processing rates, as well as support for credit cards and debit cards, industry classifications (Retail, Mail-order/Telephone-order (MOTO), and Ecommerce), AVS, CVV2/CVC2, purchase/corporate cards, dial-up processing, and the use of CPGateway.
Address verification (AVS) is supported for merchants who
process under the CounterPoint Merchant Program with
PNC Merchant Services and for merchants who process
using First Data North, TSYS, and Paymentech.
AVS is used for applications such as mail-order, where the
physical card is not present for swiping and the risk of
fraud can be reduced by confirming address information.
AVS processing does not affect whether or not a 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 supported in Point of Sale and Order Entry.
Complete debit card processing is provided for merchants who process under the CounterPoint Merchant Program or any of CounterPoint's Preferred Processors. Debit card processing (with DUKPT support) requires the use of PIN pads and is available for Point of Sale.
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