True Merchant’s CardPointe solution can give your retail or automotive repair business the perfect merchant account. How so? Accept payments quickly through our CardPointe Ingenico terminal while increasing security, revenue, reporting, and efficiency all while reducing your overall payment costs.


This is 2016, not 1999 so Payment Data Security is one of the most important details in a merchant account. The significant benefit to a being a True Merchant customer is having each transaction run through the patented point to point encryption solution CardSecure™ within our CardPointe system.

CardSecure™ is the most effective way to secure cardholder data for swiped, dipped and keyed transactions. Protect your business and your customers from a data breach by storing all card data in our hosted vault – no sensitive information ever resides in your systems.

Ingenico Retail Terminal

Our Ingenico terminal solution is the perfect credit card machine due to its ease of use and quick speed. This terminal runs through CardPointe and allows your customers to swipe, insert an EMV card, or accept a contactless payment such as Apple Pay, Google Wallet, or Samsung Pay. Power on the credit card machine and plug it into your router and your business is ready to go!



Instore POS brings together everything you need to run your business into one simple easy-to-use application on an iPad. Instore comes equipped with a multitude of features to help you better run your business like customer rewards, multi-location access, marketing, time keeping, employee tracking and much more!

Clover™ accepts payments, tracks inventory, manages employees and tracks revenue all in ONE system. Clover™ Stations are radically simplifying the way to do business. Clover™ comes installed with everything you need to accept payments and manage your business and it just in case we missed anything its customizable too.

CardPointe Virtual Terminal

CardPointe Dashboard

Manage your business from your desktop in our back office, your laptop at home, or your smartphone when you are out and about. CardPointe gives you access to everything related to your merchant account! There isn’t a need to call our customer support line (unless you just like saying hello from time to time). Receive instant notifications when a chargeback is filed, your digital statement is available, and more.

Access all of your data — from fully detailed deposit reports and customer information to real-time authorizations and settlements. Go green and start receiving all of your account statements digitally.

Virtual Terminal

Take payments in office through the Virtual Terminal or anywhere you have internet access.

An easy-to-use browser-based app for processing payments. In just seconds, accept an order over the phone (a card-not-present transaction), or swipe / insert a customer’s card on our integrated Ingenico terminal.

Virtual Terminal on Macbook Pro


F E A T U R E S:


With Cardpointe, not only can you accept credit and debit cards, but you can also choose our optional ACH solution. Use this method to charge customers directly from their bank account.

Recurring Billing

Set up customers on a recurring billing plan that charges their credit card or bank account on file. Simply choose the amount, start date, frequency (every week, month, 3 months) and an end date. No more chasing checks or sending a customer to your Collections Department.

Account Updater

What happens if a customer’s credit card expiration date occurs in the middle of a billing cycle? No need to worry, our Account Updater tool will automatically contact the card issuing bank and update the card information on file so you never miss a beat or a payment!

Hosted Payment Page

True Merchant can work with your web team to set up a secure hosted payment page allowing your customers to log in to your website and make a payment. Our team is very developer friendly. Web developers have access to our easy to use APIs and sandbox, as well as multi shopping cart plugins.

Mobile App & Card Readers

Are there events or tradeshows that require you to do business in remote locations other than your storefront? Download our free CardPointe app on your Android, iPhone, or iPad and easily accept payments anywhere. Order the card reader and plug it into your audio jack to swipe or insert cards seamlessly.

Reduce Costs

Not only can our solutions increase your revenue, they will also reduce payment processing costs. All transactions automatically qualify for Interchange Optimization on Level 3 and 4 payment rates. This solution significantly reduces costs on manually typed in transactions from your customers paying with Business and Corporate cards.

Our True Rate and True cost pricing plans have a track record of being more competitive than what the current marketplace has to offer. Plus they are simple and easy-to-understand! Let us know if we can help your business today.

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