CPGateway is a service provided by NCR that enhances credit card processing for CounterPoint merchants. CPGateway allows you to obtain card authorizations from your processor using the Internet instead of dialing out for each authorization. This method is much faster and more reliable than dial-up communications and can provide 2-second authorizations.
CPGateway is available for CounterPoint V7 and NCR CounterPoint. CPGateway can also be used with CPOnline to enable real-time credit card authorizations in your online store.
- Credit card, debit card, and check authorizations via the Internet
- Fast authorization response times—typically 2 seconds
- Faster settlement times
- Internet-based service
- CPOnline compatibility
- PCI-DSS and CISP compliance
- Simple setup
- Economical fees
- Enhanced Security
- One Internet connection serves multiple workstations
- Compatible with NCR Payment Services, RBSLynk, CounterPoint CMP, First Data North, First Data South, TSYS/Vital and Paymentech
- Automatic fallback to dial-up
To authorize a charge, simply record the sale in CounterPoint as usual, obtaining the credit card information using a magstripe card reader (or by entering the card information manually). CounterPoint then connects to CPGateway utilizing the Internet and requests authorization. CPGateway maintains a high-speed connection to your card processor and quickly obtains the authorization and passes it back to CounterPoint. Your CounterPoint system is continuously connected to CPGateway via the Internet, avoiding the delays and costs associated with dial-up service and modems—and typically obtaining authorizations in under 2 seconds. Use CounterPoint’s existing settlement functions to settle a batch via CPGateway. This will settle transactions authorized via CPGateway as well as any transactions authorized using dial-up. Settling via CPGateway is faster than settling via dial-up.
You must establish a merchant relationship for card processing. We recommend taking advantage of the CounterPoint Merchant Program (CMP) by processing through NCR Payment Services. Reduced CPGateway fees are available for CMP merchants.
NCR Payment Services
If you do not wish to process under CMP, you may establish a merchant relationship with any processor who can work through First Data North, First Data South, TSYS/Vital, or Paymentech. No additional software purchase is necessary for CMP merchants. Non-CMP merchants require the Credit Cards Option.
We understand the importance of absolutely reliable credit card processing. CPGateway is designed to stay in operation 24 hours a day, 7 days a week, 365 days a year. Maximum reliability is built into CPGateway—redundant (multiple) servers, redundant Internet connections from your CounterPoint system to CPGateway, redundant communication lines to the card processors, redundant power systems, etc. If your local Internet service fails (your ISP or communication lines go down), CounterPoint can automatically switch to dial-up mode to obtain an authorization. All authorizations obtained from your processor, whether through CPGateway or via direct dial-up, are identical and can be settled in the same batch. CounterPoint and CPGateway are designed to ensure that you will keep authorizing and settling credit cards-no matter what.
PCI-DSS and CISP Compliance
With CPGateway, your shopper’s payment card information is safe and secure. CPGateway has passed rigorous safety tests and routinely undergoes vulnerability scans to ensure the security of all payment card information. All payment card information is securely protected from fraud and identity theft. CPGateway is fully compliant with PCI-DSS and CISP. PCI-DSS, or Payment Card Industry Data Security Standards, is a strict set of standards designed to protect a cardholder’s data from credit card fraud and misuse. PCI Data Security Standards are developed and implemented by a collaborative effort from American Express, Discover Financial Services, JCB, MasterCard Worldwide, and Visa. If a merchant’s retail software is not compliant with PCI, they may be subject to hefty fines. It is critical that merchants choose PCI-compliant retail solutions that protect their customers’ payment card information as well as their business. As a PCI-compliant service, CPGateway also adheres to Visa’s Cardholder Information Security Program (CISP).