CardConnect
Payment gateways
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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- Healthcare and life sciences
- Retail and wholesale
- Manufacturing
What is CardConnect
CardConnect is a payment processing platform that enables merchants and software providers to accept and manage card payments across in-person and online channels. It provides gateway and processing capabilities, including support for integrated payments through APIs and partner/ISO distribution models. The product is commonly used by mid-market and enterprise merchants, as well as ISVs that embed payments into their applications. CardConnect is part of Fiserv’s merchant acquiring and payments portfolio following Fiserv’s acquisition of First Data.
Integrated payments for ISVs
CardConnect offers APIs and integration options designed for software providers that want to embed card acceptance into their products. This supports use cases such as integrated checkout, tokenization workflows, and centralized payment management across merchant locations. For organizations building a payments layer into their application, the platform aligns with an integrated-payments operating model rather than a standalone virtual terminal only.
Omnichannel acceptance support
The platform supports card-present and card-not-present acceptance, which helps merchants that operate both physical and digital channels. This can reduce the need to maintain separate providers for in-store and online payments. It also supports common operational needs such as multi-location merchant setups and consolidated reporting/settlement workflows (implementation varies by program and acquirer configuration).
Backed by large payments provider
As part of Fiserv’s merchant acquiring organization, CardConnect benefits from access to broader acquiring infrastructure and enterprise payments operations. This can be relevant for merchants that require established underwriting, risk management processes, and scalable settlement operations. It may also simplify procurement for organizations already using other Fiserv services.
Pricing and contracts vary
Commercial terms typically depend on the reseller/ISO, acquiring setup, and merchant profile rather than a single transparent, self-serve price. This can make it harder to compare total cost across providers without a detailed proposal. Contract length, fees, and support experience can vary by channel partner.
Implementation can be partner-led
Many deployments are delivered through partners, which can shift responsibility for onboarding, integration assistance, and first-line support away from the core platform team. As a result, time-to-launch and support quality may depend on the specific partner and program structure. Organizations may need to validate escalation paths and SLAs during procurement.
Less SMB self-serve focus
Compared with some payment products that emphasize quick online signup and out-of-the-box checkout tools, CardConnect is often positioned for integrated and managed merchant acquiring programs. Smaller merchants seeking a lightweight, self-service setup may find the onboarding and configuration process more involved. Some features and reporting capabilities may require additional configuration or third-party components depending on the deployment.
Plan & Pricing
Official CardConnect / CardPointe official-site findings (only vendor sites used):
Summary: CardConnect / CardPointe do not publish standard merchant processing rates or a public tiered pricing page on their main site; merchants are directed to contact sales or a partner/agent for merchant account pricing.
Officially published add-on / usage pricing (from CardPointe support - official): Pricing model: Add-on / Usage-based (Card Account Updater) Merchant cost: Monthly Fee: $10.00; Per Update Fee: $0.40. Agent cost (published): One-time Setup Fee: $250.00 (billed through residuals the first time a card is updated); Monthly Fee: $10.00 + 50% rev share above the buy rate; Per Update Fee: $0.25 + 50% rev share above the buy rate.
Other official product pricing notes found on vendor sites:
- CardPointe Mobile app: "available to CardPointe customers free of charge" (included for CardPointe customers; no public standalone free merchant account offered).
- CardPointe / CardConnect do not provide a public, standard merchant pricing page for processing rates; merchants are routed to Contact Sales / partner agent for pricing and merchant account rate details.
How to get merchant pricing: Contact CardConnect / CardPointe sales or your sales partner (official site prompts merchants to contact sales/support for pricing and account setup).
Seller details
Fiserv, Inc.
Milwaukee, WI, USA
1984
Public
https://www.fiserv.com/
https://x.com/fiserv
https://www.linkedin.com/company/fiserv/
