CardConnect
by CardConnect (a Fiserv company) · Payment Processing
Fiserv-owned payment gateway with ERP-integrated services for Oracle, SAP, JD Edwards.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
SAP
OracleJD Edwards- Deployment
- Cloud
- Company size
- SMB, Mid-market, Enterprise
- Pricing
- Quote-based / contact sales
- Founded
- 2006
- Headquarters
- King of Prussia, Pennsylvania, United States
Overview
CardConnect is a payment processing and merchant services provider now owned by Fiserv, operating as a registered ISO of Citizens Bank, KeyBank, Pathward, PNC Bank and Wells Fargo Bank. It grew out of Financial Transaction Services (FTS), founded in 2006, which began doing business as CardConnect in 2013; the holding company went public via a SPAC merger in 2016, was acquired by First Data for 750 million dollars in 2017, and became part of Fiserv when Fiserv completed its 22 billion dollar acquisition of First Data in July 2019.
The CardConnect product line splits into two tracks. The Enterprise Services business integrates payment acceptance, tokenization/P2PE security, and transaction reconciliation directly into customer ERP systems through internally-built ERP middleware, historically focused on Oracle, SAP and JD Edwards; the stated goal is to remove the ERP environment from PCI DSS scope while feeding transaction data back into the ERP reconciliation process. The CardPointe platform serves SMB merchants and integrated software vendors (ISVs) with a hosted payment gateway, virtual terminal, countertop/mobile terminals, a native iOS/Android app, Clover point-of-sale hardware, and developer APIs/SDKs for embedding payments into third-party software, all managed through the CoPilot merchant portfolio portal.
Card data security runs through CardSecure, the CardConnect patented tokenization and point-to-point encryption (P2PE) technology, paired with a third-party PCI compliance management integration (Trustwave) for merchants and ISVs.
Features & capabilities
ERP Integration Services
Enterprise-focused payment acceptance built into ERP workflows via internally-developed middleware.
- ERP middleware integrating payment authorization, reversals/split deliveries and settlement into the ERP
- Focus on Oracle, SAP and JD Edwards ERP environments
- Automated reconciliation of card transactions back to the ERP
- Removes the ERP system from PCI DSS scope by keeping card data out of it
- Dedicated Enterprise development and integration function for ERP implementations
- Implementations designed not to alter the existing ERP environment of the customer
Security and Tokenization (CardSecure)
Patented tokenization and point-to-point encryption underpinning both the Enterprise and SMB product lines.
- Patented tokenization for card-not-present transactions
- PCI-validated point-to-point encryption (P2PE) for card-present transactions
- EMV support for chip-card acceptance
- Off-site token vault keeping card data out of connected systems
- PCI compliance management via a third-party integration (Trustwave)
- Instant PCI compliance scope reduction for merchants integrating CardSecure
Payment Gateway and Developer Tools
The core CardPointe gateway and API layer used by both SMB merchants and integrated software vendors.
- Developer-friendly REST APIs and SDKs
- Account updater and PIN-less debit support
- 3-D Secure support
- Real-time, full transaction lifecycle reporting
- Integrated and certified connections to multiple third-party processors
- Countertop, desktop and mobile device connectivity via Ethernet, WiFi, 4G and Bluetooth
Merchant and Portfolio Management (CoPilot)
The customer management system used by CardConnect distribution partners and merchants.
- Automated customer onboarding and digital merchant application
- Product enrollment and account management in one online portal
- Self-service marketplace for add-on products and features
- Account alerts and consolidated payment-processing reporting
- Ticketing-based 24/7 technical support workflow
Payment Acceptance Channels
Ways merchants and ISVs accept card payments across in-person and remote channels.
- CardPointe Virtual Terminal (browser-based)
- CardPointe Terminal for countertop card-present acceptance
- CardPointe Mobile App (native iOS/Android)
- Clover point-of-sale hardware
- Recurring billing
- ACH/eCheck processing
Integrated Payments for Software Providers
CardPointe Integrated Payments, aimed at ISVs embedding payments into their own software rather than ERP buyers directly.
- APIs and SDKs for embedding payment acceptance into third-party software
- EMV and tokenization security built into the embedded flow
- Reduced PCI compliance burden for the software provider
- Support for custom POS and mobile payment solutions
Common use cases
- Enterprise finance teams running Oracle, SAP or JD Edwards integrating card payment acceptance and automated reconciliation directly into the ERP without exposing card data to it
- Organizations trying to reduce PCI DSS audit scope on ERP and back-office systems using CardSecure tokenization and P2PE
- SMB merchants accepting in-person and online payments via the CardPointe virtual terminal, mobile app or countertop terminal
- Independent software vendors (ISVs) embedding payment acceptance into their own applications via CardPointe Integrated Payments APIs and SDKs
- Distribution partners (ISOs, sales agents) managing merchant portfolios through the CoPilot portal
- Retailers deploying Clover point-of-sale hardware alongside CardConnect processing
- Businesses needing recurring billing or ACH/eCheck processing alongside card payments
Strengths & considerations
Strengths
- A dedicated Enterprise Services line built specifically around ERP middleware for Oracle, SAP and JD Edwards, distinct from typical SMB-only payment processors
- Patented tokenization and PCI-validated P2PE (CardSecure) purpose-built to remove ERP/back-office systems from PCI DSS scope
- Backed by Fiserv processing scale and a five-bank ISO sponsorship network following the 2017 First Data acquisition and 2019 Fiserv-First Data merger
- Serves both ends of the market from one stack: SMB self-service tools (CardPointe), an ISV-focused Integrated Payments line, and large-enterprise ERP-integrated services
Considerations
- Current CardConnect marketing pages do not publicly name specific ERP integrations beyond the legacy Oracle/SAP/JD Edwards Enterprise line documented in SEC filings; no modern integration list (e.g. NetSuite, Dynamics, Sage) is published on the site
- No pricing is published; rates and fees are quoted through direct sales or the CardConnect network of distribution partners (ISOs)
ERP integrations
Enterprise Services line integrates payment authorization, security and reconciliation into SAP ERP environments; one of three ERPs the CardConnect Enterprise integration function has historically focused on.
Same ERP middleware approach applied to Oracle ERP environments.
Oracle JD Edwards EnterpriseOne; the third ERP in the CardConnect original Enterprise integration focus.
Pricing
No pricing is published on cardconnect.com. Merchant Acquiring and Enterprise services pricing is arranged through direct sales staff or the CardConnect network of independent sales organizations (ISOs) and integrated software vendor partners. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- Hosted payment gateway (SaaS)
- Compliance
- PCI DSS, PCI-validated P2PE
- Mobile app
- Yes
About the vendor
- Founded
- 2006
- Headquarters
- King of Prussia, Pennsylvania, United States
- Ownership
- Wholly owned by Fiserv, Inc. Formerly Nasdaq-listed as CardConnect Corp. after a 2016 SPAC merger; acquired by First Data Corporation for 750 million dollars in 2017, then folded into Fiserv when Fiserv completed its 22 billion dollar acquisition of First Data in July 2019.
Alternatives to CardConnect in Payment Processing
CardConnect — frequently asked questions
Who owns CardConnect?
CardConnect is owned by Fiserv, Inc. First Data Corporation acquired CardConnect Corp. for 750 million dollars in 2017, and Fiserv completed its 22 billion dollar acquisition of First Data in July 2019, making CardConnect a Fiserv payments brand today.
Does CardConnect integrate with ERP systems?
Yes. The CardConnect Enterprise Services line integrates payment acceptance, security and reconciliation directly into ERP systems through internally-built middleware. Per SEC filings, this integration effort has historically focused on Oracle, SAP and JD Edwards.
How does CardConnect secure card data?
CardSecure combines patented tokenization with point-to-point encryption (P2PE) to keep card data out of connected systems and remove them from PCI DSS scope. CardConnect also uses Trustwave for PCI compliance management services.
What payment acceptance tools does CardConnect offer SMB merchants?
The CardPointe platform includes a browser-based virtual terminal, a countertop CardPointe Terminal, a native iOS/Android mobile app, Clover POS hardware, recurring billing, and ACH/eCheck processing, managed through the CoPilot merchant portal.
Can software companies embed CardConnect payments into their own product?
Yes. CardPointe Integrated Payments provides developer APIs and SDKs so independent software vendors (ISVs) can embed EMV and tokenized payment acceptance directly into their own software.
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