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"Over the years, I've recommended Counterpoint to everyone I know in the industry. This software is very comprehensive and user friendly. Overall, it’s difficult to articulate everything this system has done for this company!”

-Feed & Pet Supply Store, Santa Clarita, CA

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The 6 Biggest Challenges Facing Retailers Today - retail whitepaper




Talk about fast!

Use electronic draft capture (EDC) to automatically authorize credit card sales, verify addresses, and settle funds to your bank. Use CPGateway  for fast (2-second!) authorizations over the Internet.

Built-In Credit Card Processing

Credit card processing under the CounterPoint Merchant Program (CMP) is included in the CounterPoint Base System, and is more fully described under Credit Cards (CMP). CMP processors will transfer settled charges to your local bank. Other compatible processors are described in Credit Cards (non-CMP). For complete information on available services and fees, contact us.

Credit card processing allows you to swipe a credit card through a magnetic stripe reader, automatically authorize a credit card sale from the Ticket Entry screen, verify an address, and electronically settle funds. You may also retain a credit card number in a customer's file to be charged at the appropriate time. Supported cards and services include Visa, MasterCard, Discover, American Express, Diners Club, Carte Blanche, and JCB. For receipts and invoices, you may print just the last four digits of the card number.

With the Modem Server Option, multiple registers may share a telephone line and process multiple credit card transactions more quickly by maintaining an active phone connection to the processor.

An optional CPGateway service is available for fast (2-second) Internet credit card authorizations.


The benefits of integrated credit card processing include:

  • Rapid, automatic charge authorizations
  • Faster checkout times
  • Reduced customer frustration
  • Fewer errors and fewer chargebacks
  • Reduced cost of accepting credit cards
  • No hand-recording of card information
  • No paper slips to deposit at the bank
  • No rekeying of card information
  • No separate credit card terminal
During Ticket Entry, the credit card is swiped through the magnetic stripe card reader. Card information is read, and the amount is authorized over a dial-up or Internet connection. The processor returns an authorization number or a decline. Capabilities are provided for call retry and for a backup phone number. Any number of credit cards can be used on one ticket, and multiple cards of the same type are also allowed.

Authorization only commits the cardholder's credit line. Funds are not actually transferred until the transactions are settled, typically at the end of the day.

Invoices and receipts print the credit card information required by the processor. Receipts can support one- or two-part paper with a signature line, as well as an abbreviated sales draft (that doesn't list the merchandise sold).

The Pre-Settlement List allows you to review the day's activities prior to settling the transactions.

Funds may be settled (electronically transferred) with the credit card processor daily. For most card types, settled funds are transferred via ACH to your local bank within two business days.

Built-In Debit Card Processing

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.

Built-In Check Authorization

CounterPoint includes check authorization capabilities compatible with Certegy (formerly Equifax, formerly Telecredit) and Telecheck (using Telecheck's Radiant-compatible processing service).

NOTE: CounterPoint supports check processing with CMP, First Data North, First Data South, and TSYS. (All processors other than CMP require the Credit Cards Option).

EBT Processing

EBT food stamp processing is available when processing with CMP, First Data North, or TSYS. EBT requires the use of PIN pads and magnetic stripe card readers

Store Credits, Gift Certificates, and Shopping Cards

Full Multi-Site support is provided for store credits and gift certificates. Credits and certificates can be issued, printed, partially redeemed, reissued, voided, and combined with other documents.

Rechargeable gift cards and shopping cards (stored value cards) with magnetic stripes are also supported.

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Address Verification

Address Verification Service (AVS) reduces credit card fraud by confirming the customer's address. AVS is primarily used in mail-order or ecommerce applications where the physical card is not present.

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.

Optional CVV2/CVC2 provides additional AVS information by sending the extra three or four digits printed on the back of the card to the processor.


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