When we talked to NetSuite ERP users, we kept hearing the same frustrations. People told us how high processing fees were eating into their profits. They shared stories about setups that dragged on for weeks, leaving them overwhelmed and behind schedule. And the user experience? Let's just say many described it as a confusing maze that slowed down their operations rather than helping them grow.

We knew we could do better—and we have.

Our NetSuite Payments integration was built with your needs in mind. We designed it to make your life easier. Imagine saving between 10% and 40% on processing fees thanks to our exclusive rates and smart features like Level II and Level III data optimization. Think about how much time you'll get back when you can set up everything with just a few clicks—no headaches, no delays. And from that moment on, accepting payments directly within NetSuite for invoices and sales orders becomes second nature.

We've also made sure it works the way you need it to. You can accept payments via Credit, Debit, ACH, Plaid, Apple Pay, Google Pay, PayPal and AfterPay—all from the same seamless interface. Plus, with automated daily reporting delivered right to your inbox, you won’t have to chase down numbers or second-guess your data.

Sending payment links? We've got you covered. You can send secure payment requests by email to simplify collections, and our system safely stores payment information in case you need to process a payment inside of NetSuite using the tokenized payment information.

But what truly sets cardONE apart is the support we offer. When you choose our solution, you're not just getting software—you’re getting a team that’s here to help you succeed. From setup to everyday use, your dedicated implementation and relationship manager will be there for you. We don’t disappear once you’re live; we stay invested in your success.

Stop overpaying for payment processing and dealing with confusing systems. Experience a streamlined, intuitive, and cost-efficient solution with cardONE's NetSuite Payments integration.

Reach out to us at netsuite@cardONEco.com to schedule a demo today or click the button below. 

 Email Origination address:  donotreply@cardpointe.com

Option: Check your SPAM folder

NOTE: Please be aware that there is a "Sign My Application" button located at the bottom of this email. Upon clicking this button, you will be directed to the CardPointe website.

Creating an Account: You will be required to create an account at this stage. This account will serve the purpose of your application, as well as granting you online portal access to view statements and activity.

2. Date of Birth (DOB):

3. Last 4-digits of your Social Security Number (SSN):

Once you have verified everything on this page, you will scroll down and click on Ok. Looks great, let's move on!

Next, you will be prompted to set up your Banking Information, which will be used for deposit purposes and deduction of processing fees.

The subsequent section pertains to Processing Info. We have already taken the liberty of filling out this section for you, based on the statements you have previously provided us. Please contact us to initiate any changes.  Do not alter this section as it can affect the approval process. 

Upon reviewing the information, click on "Ok". If everything appears to be in order, we can move on to the next step. However, if you happen to come across any significant inaccuracies, please notify us immediately before making any changes.

At this stage, you will be required to verify the equipment you have selected for this account.  Ensure that both the Model and Quantity are accurate. If you notice any discrepancies in either of these details, kindly inform us before proceeding further.

Subsequently, you will be directed to a page that lists all your rates and fees, itemized on a line-by-line basis. Upon verifying that the details are accurate, you may proceed to the next section of the page.

Note the following definitions regarding certain fees.  Please be advise that these fees are usually incidental and are only applicable in specific situations.

As you continue scrolling down, you will come across a copy of the standard First Data Program Guide, followed by three checkboxes and a signature box.

Upon clicking “I Agree”, you will be redirected to the main screen where your application will be displayed as "In Progress".

Upon submission, the approval process typically takes 1-2 business days, unless additional information is required. Once approved, you will receive an email from with the subject line "Your Application is Complete! Welcome to CardPointe." The email will include your Merchant ID (MID). Subsequently, your cardONE representative will contact you to discuss the next steps.

Standard Operating Procedures for credit and debit card acceptance in a card present environment. Review this training video and apply these lessons to reduce chargebacks in your business.

For most business owners, this is a question that is as long as time. Credit card processing statements can be so convoluted. Do you know which parts you have control over? How are you currently being billed? Flat rate model? Interchange plus? Let’s discuss. 

By definition, Interchange refers to fees paid by the merchant’s bank to the issuing bank for this service. Interchange covers the cost to convert a charge on an account holder’s card to a cash deposit at the merchant’s bank account, including billing services, credit risk, fraud risk, and float. Card issuers (i.e. Citibank, Bank of America, Chase, etc.) charge the acquiring bank when a consumer uses their card in a place of business. The card issuers determine what each of these card types will cost semi-annually (typically). For example, your customer may use a rewards card or a commercial card, which comes with perks or benefits to that card holder.  That card costs more to accept for a business owner. Unfortunately, as a business owner, it’s impossible to control the type of card a consumer presents at the time of purchase. 

Interchange is published information. In addition to interchange, the card associations - Visa, MasterCard & Discover assess fees to cover the costs of maintaining their systems, brand and payment networks. Click on the links below for further details on interchange and the current rates/categories for each brand:

Visa Interchange Fees

Mastercard Interchange Fees

Interchange is determined for each transaction based on the industry of the merchant, the type of card, the way the card is accepted, the transaction size and other factors like if it was processed as a chip card or if it was manually entered. Debit cards for example, cost less because they pose less risk.

Interchange fees are a crucial part of the payment processing ecosystem, as they help to fund the infrastructure that enables electronic payments to take place. Without interchange fees, it would be difficult for card networks and banks to sustain the costs of maintaining the payment infrastructure, and it is likely that consumers would have to pay higher fees for the use of credit and debit cards. Interchange fees earned by card-issuing banks provide financial motivation for them to promote and issue more cards to more cardholders. These cardholders then come and spend with your business.

• Insert a chip when the card is present and obtain a valid authorization

• Batch out/settle your transactions daily.  Delaying settlement will cause the transactions to downgrade

• Card-not-present transactions: enter the correct billing address & perform address verification 

• Enter tax amount when prompted by the terminal/POS

• Enter invoice number when prompted by the terminal/POS

• Use proper software for the industry that you are in that provides appropriate data back to the card issuer

Interchange fees have also been a source of controversy, as some merchants and advocacy groups argue that they are misunderstood, excessive and contribute to the overall cost of goods and services. In response to these concerns, some governments have attempted to regulate interchange fees, although the results have been mixed.

One of the main factors that determines the interchange fee for a given transaction is the type of card being used. Card networks typically charge higher interchange fees for premium cards, such as rewards cards or business cards, as these cards tend to have higher usage patterns and generate more revenue for the network. Additionally, cards that offer a higher level of security, such as EMV chip cards, may also have higher interchange fees due to the added cost of implementing and maintaining the technology.

The type of merchant also plays a role in determining interchange fees. Card networks typically charge higher fees for certain types of merchants, such as those in the travel or entertainment industries, as these merchants tend to have higher risk profiles and may be more likely to experience chargebacks or fraud. In contrast, merchants in low-risk categories, such as supermarkets or utilities, may be eligible for lower interchange fees. 

The nature of the transaction itself can also impact the interchange fee. For example, transactions that are conducted in person, using a card reader or terminal, tend to have lower interchange fees than those that are conducted online or over the phone, as the latter types of transactions carry a higher risk of fraud. Similarly, transactions that involve the use of a card-not-present (CNP) method, such as e-commerce or mail order, may also have higher interchange fees due to the added risk.

While interchange fees are typically a small percentage of the overall transaction amount, they can add up over time and represent a significant cost for merchants. As a result, some merchants have sought to reduce their interchange fees by negotiating lower rates with their acquiring banks or by implementing programs to encourage the use of lower-cost payment methods, such as debit cards or ACH transfers.

Ultimately, if a business owner processes the transaction correctly, with the appropriate software, interchange fees can be minimized. Having an interchange plus model in place provides the opportunity for validating the charges against what is publicly available.  Contact us at cardONE to further review and discuss this in greater detail.  Let us help you review your interchange qualifications and find a solution that works for your business!