Skip to content
Español

Card processing review

CardConnect

CardConnect, a Fiserv company that sells processing (CardPointe terminals and Clover) mainly through sales partners. It publishes no rates, fees or merchant terms; it offers a credit card surcharge program and 24/7 phone support.

By FiservParent company: Fiserv, Inc. (NYSE: FI)
Not enough data to score

Not enough verified data yet

We've verified 6 of 12 key facts for this processor. Until we reach 80%, this page shows what we have, with sources, and it isn't a full review.

Our verdict

CardConnect can only be compared through a partner's quote. Ask for the signed application and the Program Guide it refers to, check that every fee you'll pay is listed there, and confirm the term, renewal and early termination fee before you sign.

What we like

  • 24/7 phone support and a ticketing system.
  • Sells and supports Clover, plus its own CardPointe terminals and gateway.
  • Offers a credit card surcharge program.

What to watch

  • No published rates, fees or merchant terms: the term, renewal and early termination fee depend on the partner who sells it to you.
  • In a class action CardConnect settled in 2021, the court had held that it could charge only the fees listed in the agreement merchants signed.
  • No published deposit time.

How the score breaks down

RTC ScoreNot enough data

Methodology v0.1.0

We could verify less than 60% of what we score, so we don't rank it.

Data completeness23%

We could verify 23% of the scoring data

Strongest points
24/7 support, Support channels, Offers dual pricing or a surcharge program
Weakest point
Published pricing

Score by criterion

  • 12-month cost of the reference restaurantWeight 37%No data
  • Standard deposit speedWeight 11%No data
  • What leaving in month 12 costsWeight 9%No data
  • Price increases during the contractWeight 8%No data
  • Published pricingWeight 7%Weakest0.0 out of 10
  • 24/7 supportWeight 6%Strongest10.0 out of 10
  • Contract termWeight 4%No data
  • Support channelsWeight 4%Strongest6.0 out of 10
  • No equipment lease you can't cancelWeight 3%No data
  • Works with restaurant POS systemsWeight 3%3.3 out of 10
  • Automatic renewalWeight 2%No data
  • Equipment works with another processorWeight 2%No data
  • Offers dual pricing or a surcharge programWeight 2%Strongest10.0 out of 10
  • Works without the vendor's own POSWeight 1%10.0 out of 10

Before you pass the card fee to your customers

This vendor offers a program that passes the card cost to your customers. Card network rules cap credit card surcharges (Visa 3%, Mastercard 4%) and never allow them on debit, and some states ban or limit them.

This is general information, not legal advice. Card network rules and state laws change, and how they apply depends on your business: check with a lawyer and with your processor before adding a surcharge or a cash discount.

See the rules by state

All the data, with sources

Each value links to its source. "Not published" means the vendor doesn't disclose it; "Unconfirmed" means we looked and couldn't confirm it. Data points we have for fewer than four vendors are left out until we can compare them.

Type of processor and pricing
Data pointValue
Type of processorProcessor or its sales partners (acquirer, ISO)Source: CardConnect (Fiserv) (opens in a new tab)A Fiserv company that sells processing (CardPointe and Clover) mainly through sales partners and software companies.
Pricing modelOnly by quoteSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them. It describes interchange-based pricing with a line-by-line statement, but publishes no markup.
Published pricing (points out of 100)0Source: CardConnect (Fiserv) (opens in a new tab)Same rubric for every vendor: in-person rate 0, online or keyed rate 0, markup or monthly fee 0, early termination fee 0, other fees 0. CardConnect publishes no prices or merchant terms.
Card rates
Data pointValue
In-person rateQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
In-person fee per transactionQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Online rateQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Online fee per transactionQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Keyed-in rateQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Keyed-in fee per transactionQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
American Express pricingQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
American Express rateQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Rates by monthly volumeNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates by volume.
Monthly and other fees
Data pointValue
Monthly account or plan feeQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Annual fee per accountQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Annual fees per device or locationQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
PCI compliance fee (yearly)Quote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
PCI non-compliance fee (monthly)Quote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Statement feeQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Monthly minimumQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Fee per batchQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Chargeback feeQuote onlySource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them.
Other feesNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no rates or fees: its sales partners quote them. In Kao v. CardConnect (E.D. Pa.), the court held that CardConnect could charge only the fees listed in the agreement merchants signed and couldn't add fees or raise rates on its own; CardConnect settled for up to $7.65 million (approved in 2021). A 2024 class action over fees (Obringer v. CardConnect) partly survived a motion to enforce that settlement in September 2025.
Equipment
Data pointValue
How you get the equipmentUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect sells CardPointe terminals and Clover devices through its partners but doesn't publish whether they are bought, rented or leased.
Price of a countertop terminalNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no terminal prices.
Equipment lease you can't cancelUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect doesn't publish equipment lease terms.
Equipment lease termNot publishedSource: CardConnect (Fiserv) (opens in a new tab)No lease terms are published.
Equipment at $0 upfront: what it commits you toNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no equipment at $0 upfront.
Equipment only works with this processorUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect doesn't say whether its terminals work with another processor.
Getting your money
Data pointValue
Standard deposit speedNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect mentions next-day funding as an opportunity for some merchants but doesn't publish its standard deposit time.
Instant payout feeUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect doesn't mention an instant payout option.
Holds and reservesNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Contract and exit
Data pointValue
Contract termNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Automatic renewalNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Notice to avoid renewalNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Notice to cancelNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Early termination feeNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
How the early termination fee is calculatedNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Liquidated damages clauseNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Price increases during the contractNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current. In Kao v. CardConnect (E.D. Pa.), the court held that CardConnect could charge only the fees listed in the agreement merchants signed and couldn't add fees or raise rates on its own; CardConnect settled for up to $7.65 million (approved in 2021). A 2024 class action over fees (Obringer v. CardConnect) partly survived a motion to enforce that settlement in September 2025.
Right to raise pricesNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current. In Kao v. CardConnect (E.D. Pa.), the court held that CardConnect could charge only the fees listed in the agreement merchants signed and couldn't add fees or raise rates on its own; CardConnect settled for up to $7.65 million (approved in 2021). A 2024 class action over fees (Obringer v. CardConnect) partly survived a motion to enforce that settlement in September 2025.
Personal guarantee by the signerNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect publishes no merchant terms; its processing is sold through sales partners and the terms come with your application. A CardConnect merchant agreement filed in a 2021 lawsuit (Pirozzi v. Fiserv, C.D. Cal.) set a three-year term, one-year renewals and an early termination fee written in the application; it is too old to show as current.
Dual pricing and surcharges
Data pointValue
Dual pricing or surcharge programYesSource: CardConnect (Fiserv) (opens in a new tab)CardPointe's surcharge program adds a percentage fee, paid by your customer, to eligible credit card payments; CardConnect doesn't publish the percentage. With it, card processing costs your restaurant $0 on credit cards in our estimate and your customers pay the difference; debit stays at CardConnect's rate. Card network rules and state laws apply.
Cards the program coversCredit cards only (surcharge)Source: CardConnect (Fiserv) (opens in a new tab)
Monthly fee for the programNot publishedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect doesn't publish what the surcharge program costs.
Your POS and your business
Data pointValue
Works with these restaurant POSClover, OthersSource: CardConnect (Fiserv) (opens in a new tab)Clover devices and CardPointe terminals, plus integrations with other software through the CardPointe gateway.
Requires the vendor's own POSNoSource: CardConnect (Fiserv) (opens in a new tab)CardConnect processes for Clover, its own CardPointe terminals and integrated software.
Monthly volume it's built forUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect states no minimum volume.
Accepts high-risk businessesUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect doesn't say whether it accepts high-risk businesses.
Routes debit to the lowest-cost networkUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)CardConnect doesn't publish how it routes debit.
Support
Data pointValue
24/7 support for merchantsYesSource: CardConnect (Fiserv) (opens in a new tab)
Support channelsPhone, Email or formSource: CardConnect (Fiserv) (opens in a new tab)24/7 phone support and a ticketing system for existing customers.
Language
Data pointValue
Support in SpanishSays it offers it, without a channelSource: CardConnect (Fiserv) (opens in a new tab)Through its Conectados program, CardConnect says it gives merchants full operational support in Spanish, including customer service, and Spanish forms and applications; it publishes no separate Spanish line.
Merchant dashboard in SpanishUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)Conectados offers Clover products in Spanish, but CardConnect doesn't say whether the CardPointe portal is in Spanish.
Contract or terms in SpanishUnconfirmedSource: CardConnect (Fiserv) (opens in a new tab)Conectados offers forms and applications in Spanish; CardConnect doesn't say whether the full merchant terms are in Spanish.
US website in SpanishNoSource: CardConnect (Fiserv) (opens in a new tab)Only the Conectados program page has a Spanish version; the rest of cardconnect.com is in English.

More about CardConnect

How we score