Tutorials / Payments

CardConnect Payments and Integration


With CardConnect, you can make payments using both credit cards and ACH.

While credit card payments can be made in any currency, ACH payments can only be made in USD.

How to Set Up CardConnect

  1. Go to Settings | Payments/Credits | CardConnect.
  2. Click on SET UP to open the Manage CardConnect Payment Provider dialog.
  3. Configure the settings of the first setup step:
    • Gateway URL - Set the value to CardConnect Gateway's API endpoint URL:
    • Choose Mapping by- Select one of the available methods for how payments will be mapped to the configured merchant IDs:
      • Currency - Maps payments to merchant IDs based on the used currency.
        You can configure up to 2 merchant IDs with the Currency mapping: a default one for any currency, and another one for a specific currency.
      • Custom field - Maps payments to merchant IDs based on the custom fields assigned the customers.
        You can configure up to 10 merchant IDs with the Custom field mapping.
  4. Click on NEXT to move to the second setup step.
  5. Configure the default merchant ID:
    Settings Mapping Description
    Merchant id All Obtain the values for these settings from your CardPointe account.
    Commodity Code
    Currency Currency Notice you cannot map the default merchant ID to a specific currency. It covers all currencies except for the one mapped to the additional merchant ID.
    Custom Field Name Custom field Select a customer-level ERP custom field‍ that you want to use for the mapping.
    Custom Field Value Define the value that must be assigned to a customer by the selected custom field in order for their payments to be processed by the default merchant ID.

    Additionally, the default merchant ID also processes payments made by customers that do not match any of the additional merchant IDs.
    Surcharging All Enable this setting if you want the given merchant ID to add a surcharge to the total amount of each payment. For more information, see the Surcharges within Cardconnect‍ section.
  6. Optionally, configure additional merchant IDs:
    1. Click on Add Merchant ID every time you want to start configuring an additional merchant ID (1 for Currency mapping, or up to 9 for Custom field mapping).
    2. Configure the same settings as the ones for the default merchant ID with these exceptions:
      Settings Mapping Description
      Currency Currency Select a specific currency.

      The additional merchant ID will only process payments made in that currency.

      Payments in any other currency will be processed by the default merchant ID.
      Custom Field Value Custom field Define the value that must be assigned to a customer by the selected custom field in order for their payments to be processed by the given merchant ID.

      Other payments will either be processed by the default or other additional merchant IDs. 
  7. Click on SAVE to finish the CardConnect setup.
  8. Continue by connecting YayPay to CardConnect‍.



  • For both Credit Card and ACH payments, YayPay uses a tokenized, integrated web form aligned with the Operational Payment Guidelines from Fiserv.
  • The value of the Custom Field Value is case-sensitive.

How to Connect to CardConnect

Once you set up the CardConnect payment service provider, you can connect YayPay to it:

  1. Go to Settings | Payments/Credits | CardConnect.
  2. Click on CONNECT.

After connecting to CardConnect, you can do the following:

  1. Use the DISCONNECT button that replaced the CONNECT button to disconnect YayPay from CardConnect.
  2. Use the EDIT button to edit the CardConnect setup.

Surcharges within CardConnect

Credit card transactions within CardConnect can be eligible for surcharges that amount to 3% of the transaction total. In order to enable this feature, the merchant must have this included in their agreement with CardConnect.

The exceptions* (cases when surcharges do not apply) are listed below:

  • Debit cards
  • Payments made from the following:
    • States: Colorado (CO), Connecticut (CT), Kansas (KS), Massachusetts (MA)  
    • Territories: Puerto Rico
    • Armed Forces Locations: Domestic (AF), EU (AE), Pacific (AP), US (AA)

*Subject to change

Payment process flow with surcharges for CardConnect

1. Select an invoice to pay (or choose the "AUTO-PAY" or "PAY ON ACCOUNT" option) from the Statement page or the Customer portal.

2. Follow the usual flow: select "Credit card", populate the required fields in the billing address information, and click "Continue".

3. On the Submit Payment page click the "Verify Account" button:

The system will check whether the surcharge fee can be added to your payment amount or not.

4. If the system response is positive, the surcharge fee is applied, and its calculated amount is displayed in the next step:

If the surcharge fee is waived as a result of account verification, the "Surcharge" field will not be shown.

5. Click "Submit Payment".

6. The surcharge amount applied will be displayed on the "Transaction Successful" page:

Ability to work along with other PSPs

Being a primary payment service provider, CardConnect can be connected along with any of the secondary PSPs.

For a detailed description of how CardConnect (primary PSP) works when connected simultaneously with other PSPs, see the

links below:

1) CardConnect  + NMI

2) CardConnect  + GoCardless

3) CardConnect  + Flywire

ACH Payment Messages and Errors

The following table lists possible messages or errors that your customer might receive when attempting to make ACH payments through CardConnect.

By providing the specific error message received, the merchant's support team can better understand the problem and provide a more efficient solution.

Code Message Comments
R01 Insufficient funds.
R02 Bank account closed.
R03 No bank account found, or unable to locate the account.
R04 Invalid bank account number.
R06 Returned per ODFI request.
R07 Authorization revoked by customer. Add ACH ID and provide a bank letter confirming that the ACH ID has been added.
R08 Payment stopped. The merchant is required to write a letter stating that the stop payment has been lifted and assure that they will no longer initiate any stop payments on debits from CardConnect. This letter should be sent to the collections department.
R09 Uncollected funds.
R10 Customer advises not authorized. Indicates that the customer has advised the bank that the transaction is not authorized.
R11 Check truncation entry return.
R12 Branch sold to another RDFI.
R13 RDFI not qualified to participate.
R14 Representative payee deceased or unable to continue in that capacity.
R15 Beneficiary or bank account holder.
R16 Bank account frozen. Provide a letter from the bank stating that the account is in good standing.
R17 File record edit criteria.
R18 Improper effective entry date.
R19 Amount field error.
R20 Non-payment bank account.
R21 Invalid company ID number.
R22 Invalid individual ID number.
R23 Credit entry refused by receiver.
R24 Duplicate entry.
R25 Addenda error.
R26 Mandatory field error.
R27 Trace number error.
R28 Transit routing number check digit error.
R29 Corporate customer advises not authorized. Add ACH ID and provide a bank letter confirming that the ACH ID has been added.

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