Trusted by Modern Merchants

Payment Processing
Built to Perform

ClearPoint Commerce delivers enterprise-grade payment infrastructure — virtual terminals, batch settlement, and multi-merchant management — engineered for speed, security, and clarity.

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✓ PCI DSS Compliant
✓ 256-bit Encryption
✓ 99.9% Uptime
••••  ••••  ••••  4892
Cardholder
J. MORGAN
Transaction
⚡Approved
Today's Volume
$48,290
Security
🔒Tokenized
99.9%
Gateway Uptime
<2s
Avg. Auth Speed
10+
Merchant Profiles
65
Issuer Codes Handled
Platform Features

Everything you need to
process with confidence

A complete virtual payment stack — from card capture to settlement — with no hardware required.

Core Feature
💳
Virtual Terminal
Accept credit and debit card payments directly from your browser — no physical POS hardware needed. Powered by Heartland Portico with real-time authorization, full tokenization, and instant transaction feedback. Process charges, refunds, and voids from a single clean interface.
🏪
Multi-Merchant Profiles
Manage up to 10 independent merchant accounts — each with its own API keys, labels, and environments. Switch between production and sandbox instantly.
↩️
Linked Refunds
Refunds are tied directly to the original transaction ID — no re-entering card details, no mismatches. The gateway traces back to the original charge automatically, ensuring funds are returned to the exact card that was charged.
📦
Batch Settlement
Close your daily batch and push all pending transactions to settlement with a single click. Get real-time batch totals, transaction counts, and sequence numbers.
📊
Transaction History
90-day rolling history with filters by type and result. Net volume, approval rates, and per-transaction detail all in one view.
🔁
Smart Retry Logic
Soft declines are automatically retried with progressive delays — maximizing approval rates without manual intervention.
How It Works

From card to cleared funds
in three steps

Your customers' card data never touches your server. We handle tokenization, authorization, and settlement end-to-end.

01
Tokenize
Card data is captured by Heartland's secure JavaScript library. A single-use token is returned to your terminal — your server never sees raw card numbers.
02
Authorize
The token is submitted via Portico gateway to the card issuer. Full cardholder data and expiry are included to ensure clean authorization and settlement.
03
Settle
Close your batch daily to push authorized funds through settlement. Funds land in your merchant account within 1–2 business days.
Security

Security isn't a feature —
it's the foundation

Every payment flows through layers of protection that keep your business and your customers safe.

  • ✓ Card numbers never transmitted to your server — full tokenization
  • ✓ POST-only endpoints with server-side input validation on every field
  • ✓ Velocity fraud guard — IP-based rate limiting with progressive delays
  • ✓ No raw exceptions exposed — sanitized error responses only
  • ✓ Session hardened with httponly and strict-mode flags
  • ✓ Direct Heartland connection — no third-party proxies
PCI DSS
TLS 1.3
Tokenized
HTTPS Only
🛡️

Zero Card Data Exposure

  • ✓ Cardholder data encrypted at source via Heartland JS
  • ✓ Tokens are single-merchant, non-transferable
  • ✓ Official GlobalPayments PHP SDK — no custom SOAP parsing
  • ✓ Sandbox / Production environments cleanly isolated by key prefix
  • ✓ Merchant keys stored server-side only, never exposed to browser

Ready to accept payments
with clarity?

Get in touch and we'll have you processing in no time.
No hardware. No complexity. Just clean, reliable payments.

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