The WooCommerce CardPointe Gateway Payments plugin allows you to accept Visa, MasterCard, American Express and Discover payments from your WordPress WooCommerce store. The CardPointe Gateway tokenizes sensitive payment data, safeguarding your customers from a data breach, while simultaneously removing the burden of PCI compliance.
Additionally, the plugin allows customers to securely save payment information to checkout with a saved card for future payments. Customer data is securely saved on CardPointe servers and not on your site.
The following topics provide information on recent updates to the plugin.
To take advantage of the latest features and enhancements, we recommend periodically checking for and installing updates from the WordPress dashboard. Additionally, you can enable auto-updates to ensure that your plugin is always up-to-date.
If you allow your customers to save their payment information, or if use recurring payments for subscription plans, you should update to version 3.2.13 (or later) at your earliest convenience. With this update, applicable transactions using stored profiles will include the necessary data for compliance with this mandate.
Version 3.2.12 of the plugin adds a built-in Google ReCaptcha option, allowing you to add ReCaptcha fraud prevention to your payment form without integrating a standalone plugin.
See "Configure the WooCommerce Plugin," below, for more information.
If you currently use a standalone reCaptcha plugin, you must disable that plugin before enabling the reCaptcha feature on the CardPointe plugin settings page.
Pre-requisites for WooCommerce
To use this plugin, you must have the following software and accounts:
WordPress 5.1 or greater
WooCommerce 3.2 or greater
PHP 7.2 or greater
CardPointe merchant account
While not required, it is strongly recommended that you configure your site to meet the following security best practices:
Use a well-known and trusted Captcha plugin to reduce the risk of fraudulent activity on your site. For example, Google reCaptcha. Version 3.2.12 of the plugin includes built-in ReCaptcha support. See Configuring the WooCommerce Plugin for more information.
Secure your checkout page with an SSL (secure socket layer) certificate.
If the security of your webpage becomes compromised, we reserve the right to disable your CardPointe merchant account.
Upload the plugin files to your plugins folder, or install using the built‐in WordPress Add New Plugin installer
Activate the plugin.
Configure the WooCommerce Plugin
From your WordPress dashboard, navigate to WooCommerce > Settings > Payments CardConnect and click the Manage button.
Complete the fields shown below.
Enable/Disable CardConnect Payments
When checked, this displays CardConnect as a payment option during the WooCommerce checkout process
This controls the title the user sees during checkout
Controls the description the user sees during checkout
Capture Payment: Authorizes and captures the payment upon submit.
Authorize Only: Merchant must manually approve each transaction in the dashboard.
Check this box to enable testing mode – real payments will not be taken.
You will receive Sandbox credentials when your merchant account configuration is complete.
Merchant ID (MID), Username, Password and Site
Your representative will provide these values for both Sandbox and Live.
Select the card types to be allowed for transactions Card types must match the cards defined in your Merchant Agreement.
Check this box during checkout to give customers the option of storing payment information on CardPointe’s secure servers. Users who are logged in will also be able to retrieve previously saved cards.
Void on AVS Failure
When checked, orders will be rejected if the customer’s Address and Zip do not pass the verification process.
Void on CVV Failure
When checked, orders will be rejected if the customer’s CVV2/CVC2/CID do not pass the verification process.
When checked, the payment form will include the ReCaptcha fraud prevention challenge.
To use the ReCaptcha service, you must sign up and generate the Site Key and Secret Key values, and enter those values on the plugin settings page.
This feature requires ReCaptcha v2.
If you use a standalone ReCaptcha plugin, you must disable it before enabling this feature.
Input, Authorization, Refunds and Subscriptions in WooCommerce
Credit Card Input Screen
Upon successful authorization of an order, the “WooCommerce Order Notes” will be updated with the Authorization Code:
Refunds initiated in WooCommerce will result in the order total amount being credited back to the client. The ”Order Notes” will be updated accordingly with the Approval Code.
The WooCommerce Subscriptions plugin provides merchants with the ability to offer products and services that require recurring payments. The WooCommerce CardPointe Gateway Payments plugin supports this plugin. When a subscription product or service is purchased, the customer’s payment information is stored on CardPointe's secure server, while recurring payments are automatically charged according to the frequency set for the subscription. All recurring subscription payments are recorded in the “WooCommerce Order Notes”.