Payment Processors: BluePay and CardConnect

VIDEO TRANSCRIPT | Recorded: 2025-12-17 | Verify against current system state

Abstract¶

Technical overview of BluePay and CardConnect payment processor integrations, including API configurations and transaction handling

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Payment flow: Aptify → BluePay API (gateway/teller) → Card Connect/Card Point (processor) → Bank
BluePay handles credit card info collection; Card Connect does actual money movement and settlement
Card Point = Cardpoint from Fiserv (previously called Card Connect, Fiserv) - name changed multiple times
BluePay is legacy system - Fiserv recommending migration to Card Connect directly (but BluePay will be around for years)
PCI compliance: Check via Manage PCI portal - runs quarterly, valid until shown expiration date
Two Cardpoint accounts: Credit card merchant account (active) and Check/ACH account (never went live, not required for compliance)
User management: Administration → Users - no role system, must set permissions individually per user
Creating new users: Open existing user with similar role as template, copy their permission settings
Do NOT remove original account owner (Debbie Smithy) - Fiserv said to keep her active even after transfer
Transactions viewable in Card Connect reporting - same data as BluePay but refunds done in BluePay
Important: BluePay creates per-transaction tokens (NOT per-customer tokens like Braintree)
Token migration to Braintree: System will consolidate multiple tokens per card to single most recent active token
User type options: Standard (granular permissions) or Admin (full access)

0:34 "So you can see here the systems we're using today, an Aptify application like,."
2:27 "So we, it says we have two accounts here, but the, the two accounts,."
3:15 "So most likely January 1^st it's it's going to run a scan for you and tell you."
4:05 "because Debbie Smithy's name was the owner of the account."
5:13 "you have to set up the specific permission sets."
6:15 "So we're going to go back to my documentation here and we're going to."
7:00 "So there's no idea in Blue Pay of a customer that has a customer token for."
8:52 "So there is a translation that is happening where the tokens that you see."

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