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CardConnect

This article covers everything you need to know to get the CardConnect payment gateway up and running with Tai. You will find the prerequisites and credentials required before setup, a step-by-step configuration guide, an explanation of how payment profiles and charges work inside the TMS, and answers to the most common questions about supported payment types, data security, and what to do if a charge fails.

The CardConnect integration allows Tai TMS to process payments directly through the CardPointe Gateway (powered by CardConnect/First Data). Once configured, your organization can store customer payment methods securely, charge those stored profiles, and manage payment accounts, all from within Tai without handling raw card data.

Tai never stores raw card numbers. All sensitive payment data is tokenized and held securely within CardConnect's vault. Tai only stores the profile and account IDs returned by CardConnect.

Prerequisites

Before enabling this integration, your organization must have the following from CardConnect:

Item Description Required?
MerchId Your CardConnect Merchant ID. Provided by CardConnect when your merchant account is set up. Required
Username API username provided by CardConnect for authenticating requests. Required
Password API password associated with the username above. Required

If you do not yet have a CardConnect merchant account, you will need to contact CardConnect directly to obtain your credentials before you can configure the integration in your Tai's account.

Integration Setup

Once you have your CardConnect credentials in hand, share the following with your TAI Implementation contact or open a support request:

1. Gather your Credentials: Have ready your MerchantId, API Username, Password. These are stored securely in the integration configuration and used to authenticate all requests to CardConnect.
 
2. Configure the Integration Source: You can create the integration and enter your credentials under the CardConnect integration source in the system. This links your merchant account to your organization. More information on how to create an integration: here.
 
3. Ready to start: You can begin storing payment profiles and processing charges through Tai.

**If any additional help is needed during set up process, you can reach out to support at support@tai-software.com
 

How It Works

The integration follows a tokenized profile model. Customer payment details are never stored in TAI — they live securely in CardConnect's vault. TAI holds only the references needed to charge or manage those stored profiles.

Payment Profile Lifecycle

Enter Payment Info to Customer profile in Tai → Sent to CardConnect → Profile Created (tokenized) → Profile ID stored in Tai.

Charge Requested in Tai → Taicalls CardConnect with Profile ID → Transaction processed → Reference ID returned to Tai.


Available Actions in TAI

Action What Happens
Add Payment Method Customer's card or bank account details are sent to CardConnect, which returns a secure profile ID. That ID is saved in Tai linked to the payer organization.
Add Additional Payment Method An additional card or bank account is added to an existing customer profile in CardConnect.
Charge a Customer Tai sends the profile ID and amount to CardConnect. CardConnect processes the charge and returns a transaction reference ID, which TAI stores for record-keeping.
View Saved Payment Methods Tai retrieves the stored profile from CardConnect and displays tokenized card/bank account details (last few digits, card type, expiry) for the user to review.
Delete a Payment Method The selected payment method is removed from the CardConnect profile, and the reference ID is cleared in Tai.

AVS and CVV Verification: CardConnect performs Address Verification (AVS) and CVV checks automatically during authorization. Tai processes the response and surfaces any errors to the user if a charge is declined. So make sure the bank account billing details match the information entered when adding a payment method.


Frequently Asked Questions

What card types are supported?
Visa, Mastercard, and American Express are supported for credit/debit card payments. ACH / eCheck (bank account) payments are also supported.

Are refunds or voids supported?
Refunds and voids through Tai are not currently supported via this integration. If you need to reverse a transaction, you will need to process that directly within the CardConnect/CardPointe portal.

What happens if a charge fails?
If CardConnect returns a declined or error response, Tai will display an error toaster message with the reason provided by CardConnect (for example, insufficient funds or AVS mismatch). No charge will be recorded in Tai for failed transactions.

Can a customer have multiple saved payment methods?
Yes. Multiple cards or bank accounts can be saved under a single customer profile. Each payment method is stored as a separate account within the same CardConnect profile, and any of them can be selected when processing a charge.

What if a customer's saved profile has no active payment methods?
If Tai attempts to retrieve a profile and finds no active accounts, it will not display any payment methods, and the customer will need to add a new payment method before any charges can be processed.

Is my customer's card data stored in Tai?
No. Tai never stores raw card numbers or bank account numbers. All sensitive data is tokenized by CardConnect, and only a secure token is returned. Tai stores the profile reference and the token, not the actual payment credentials.

Does Card Connect work with credit card processing fees?

Yes. Card Connect also can be used with credit card processing fees. 

If you do not have Card Connect, but want to get started, please sign up here.