Pinpoint Payments

Global Payment Processing

Pinpoint Payments supports businesses with global payment processing solutions, offering payment options for small businesses and merchant services that enable them to expand beyond local markets.

Wireless Programs

For small businesses on the move, wireless payment processing offers flexibility and security. Whether you’re a small business, consultant, contractor, or delivery service, wireless terminals provide the same ease and security as traditional systems. These terminals support credit and debit card acceptance and are ideal for industries that require on-the-spot payments.

Key features include:

• Secure, portable technology
• Low swipe rates and next-day funding
• Mobile device card-swiper and printer add-on options
• Comprehensive fraud protection and expert support

These solutions are designed to keep your business running smoothly, no matter where you are.

Invoices

You can send branded invoices to customers, which are easily generated and automatically converted to PDFs that are attached and sent to your customer’s address.

Chargeback Management

This feature offers a comprehensive system to help you manage disputes and prevent revenue loss:

• Pre-chargeback alerts: Alerts to stop chargebacks before they impact your merchant account.
• 3D secure: Protects your business from friendly fraud.
• Chargeback representment: Tracks and recovers lost revenue from disputes.
• Advanced analytics: Provides detailed reporting on chargeback activity.
• Verify pre-dispute resolutions: Automatically resolves pre-dispute cases using customized seller tools.

These tools are designed to keep your business running smoothly by minimizing the impact of chargebacks.

Dual Pricing Program

This program helps you manage the rising cost of credit card processing by shifting the cost to the customer:

• Cost transparency: The card processing fee is shown as a separate line item on the receipt.
• Customer choice: Customers can opt to pay by card or get a discount by paying in cash.
• Save on fees: By using dual pricing, businesses can save significant amounts annually on processing fees.

This flexibility can help you save on credit card fees while maintaining transparency with your customers.

Merchant Cost Consulting

Pinpoint Payments provides consulting to help you reduce processing costs:

• Comprehensive statement analysis: Reviews merchant statements to uncover hidden fees and identify areas for potential savings.
• Personalized strategies: Tailored cost-saving strategies without the need to switch providers.
• Ongoing support: Continuous monitoring of merchant statements to ensure that negotiated rates are maintained.

If you’re fully informed about costs, you can focus on maximizing profit.

Virtual Gateway

For businesses needing flexibility with card-not-present transactions, they offer a virtual gateway:

• Card-not-present transactions: Accept payments via phone or mail without a website or terminal.
• QuickBooks integration: Connects with QuickBooks for seamless invoicing and payment management.
• PCI-compliant vault: Securely stores customer payment information for repeat transactions.

With this solution, you can operate more efficiently by simplifying invoicing and payment processes.

Mobile Services

Pinpoint Payments offers mobile payment solutions for businesses on the go:

• Point-to-point encryption: Ensures secure transactions.
• Recurring billing and batch processing: Simplifies payment collection.
• Electronic invoicing: Allows for easy tracking and management of payments.
• QuickBooks plug-in: Streamlines financial management.

These mobile services provide secure, flexible options for small businesses that need to process payments outside traditional retail settings.

High Risk

This merchant service provider specializes in providing payment processing solutions for small businesses in high-risk industries like E-commerce, medical, vape and tobacco, and travel. They understand the specific challenges faced by these industries and offer services that are designed to be reliable, secure, and scalable to meet your needs.

Here’s why Pinpoint Payments could be a good option for you:

• Proven approval rates: They have a strong track record of helping high-risk businesses obtain merchant accounts, even in industries that face stricter regulations.
• Competitive rates: Their processing rates are designed to be competitive.
• Multiple banking partners: With connections to a variety of banks, they can offer solutions to businesses with unique payment processing needs.
• Chargeback management: In addition to getting you approved, you receive tools to help manage chargebacks, helping maintain the longevity of your merchant account.

Pinpoint also offers alternative payment methods, including ACH and eCheck solutions, which allow for faster settlements and avoid some of the limitations of credit card processing.

Key features for high-risk businesses include:

• No minimum volume to enroll
• No processing history required
• No credit check needed

This service aims to provide more than just payment processing—they focus on supporting high-risk businesses in a way that helps them grow while navigating the unique challenges of their industries.

Retail/Swipe

They offer straightforward payment processing solutions for retail businesses, whether you’re a small shop, a café, or an established retailer. Their quick and easy approval process means you can start accepting all major credit cards, without the hassle of a complicated setup.

Here are some features of the retail/swipe option:

• Quick setup: You can get approved and start accepting credit cards with minimal delay.
• Flexible POS options: There are multiple Point-of-Sale systems and terminal options available, whether you need countertop setups, mobile solutions, or contactless payments.
• Modern technology: Contactless and secure payment options ensure safe transactions, keeping both you and your customers protected.

The system also offers:

• Low processing rates: Affordable rates make credit card processing more accessible.
• Streamlined operations: Features like inventory management and simplified day-to-day processes can help optimize your business operations.
• Durable, secure terminals: Retail and mobile terminals are built to handle the demands of a busy environment while keeping transactions secure.

These features aim to support retail businesses of all sizes, offering reliable solutions that can grow alongside your needs.

E-commerce

Pinpoint Payments offer a few key features that are suitable for small businesses:

• Industry-leading fraud prevention: Fraud protection measures are in place to safeguard your business and customer data.
• Real-time chargeback management: Proactive chargeback management helps prevent disruptions that could impact your revenue.
• Advanced reporting and analytics: Access detailed reporting and analytics tools to monitor sales and performance with ease.
• Seamless integration: The payment gateway integrates smoothly with hundreds of shopping carts via API or plug-ins, reducing friction and improving the customer experience.

They have over a decade of experience in fraud prevention and chargeback management, so suffice to say this service can help protect your business.

The hardware requirements for payment processing include a variety of credit card readers and credit card scanners that support both in-store and mobile payments. These devices often feature contactless payment capabilities and point-to-point encryption for security. Whether you use countertop terminals or mobile solutions, the hardware integrates smoothly with payment gateways, making credit card processing simple and secure. You can choose hardware options that align with your needs, supporting both merchant accounts and online merchant services for seamless payment acceptance.

Pinpoint Payment’s POS solutions include:

Clover Mini

The Clover Mini is a compact yet powerful Point-of-Sale (POS) system, offering flexibility for small and large businesses alike. It supports multiple payment methods, including swipe, dip, tap, and cash, and is designed to be elegant, economical, and user-friendly. This all-in-one solution helps streamline payment processing and day-to-day business tasks, from payroll to inventory.

Clover Flex

Great for mobility, the Clover Flex allows businesses to process payments on the go. This handheld device supports all major card types, Apple Pay, contactless technology, and doubles as a full POS with a built-in printer. Its compact design is ideal for in-store or remote transactions, with easy setup and fast processing.

Clover Station

For businesses needing a full suite of tools, the Clover Station offers a complete POS system with a cash drawer, receipt printer, and 14” HD display. This system features end-to-end encryption and built-in customer loyalty options, providing a secure and powerful solution for large-scale operations.

Clover Go

The Clover Go is a portable card reader, perfect for quick payments. It turns any smartphone or tablet into a secure payment terminal, accepting contactless, chip, and swipe payments. It syncs directly to the Clover dashboard, offering full reporting and encrypted transactions, making it a versatile option for businesses on the move.

Shopping Cart Integration

Pinpoint Payments integrates seamlessly with hundreds of E-commerce shopping carts via APIs or plug-ins, allowing businesses to accept payments quickly and efficiently online. This helps improve customer experience and reduces friction during the checkout process.

QuickBooks Integration

You can connect your payment processing directly to QuickBooks for invoicing and accounting management. This integration automates many back-office tasks, streamlining operations.

Virtual Gateway

The virtual gateway provides flexibility for businesses without a website or terminal, enabling card-not-present transactions. This feature is ideal if you process payments over the phone or by mail.

Secure Data Storage

They offer a PCI-compliant credit card vault, allowing secure storage of customer payment details, and simplifying future transactions.

Recurring Billing and Batch Processing

Pinpoint Payments supports recurring billing and batch processing, ideal if you have ongoing payment needs or multiple transactions at once.

Advanced Reporting and Analytics

You can access advanced reporting and analytics, giving you the ability to track payment performance, monitor chargebacks, and gain insights into transaction data.

Security Features

Pinpoint Payments uses point-to-point encryption to protect transactions, providing a secure environment for businesses and customers alike.

Pinpoint Payments is designed to offer a user-friendly experience, making payment processing simple for businesses of all sizes. With an intuitive interface, you can easily manage transactions, track data, and access tools like reporting and analytics.

Their QuickBooks integration, virtual gateway, and seamless shopping cart integrations ensure that setup and usage are straightforward, without the need for extensive technical knowledge.

Additionally, the mobile options and wireless terminals allow for flexible payment acceptance on the go, making it accessible and efficient for users in various industries.

Their expert compliance team handles complex regulatory requirements, guiding your account through audits and inspections. You also receive 24/7 support and a dedicated account manager, which is helpful for small businesses that may need quick fixes when issues arise.