Credpoint is deposit reconciliation software that automatically matches incoming bank transfers to your customers' deposits — in seconds, not hours.
Credpoint does not hold, move, or custody funds. Payments settle directly into your own bank account — we simply verify and reconcile them.
Credpoint is a reconciliation layer built by Mist Creations. When your customer makes a bank transfer, Credpoint reads the bank alert, matches it against the deposit they initiated on your platform, and notifies your system — automatically.
We never touch the money. Funds move directly from your customer's bank to your bank account. Credpoint only confirms that it happened — accurately, instantly, and with a full audit trail.
Most deposits are verified and confirmed automatically the moment the bank alert arrives.
From bank alert receipt to signed callback when the match is strong.
Edge cases are reviewed by our team during business hours — never left hanging.
Matching runs around the clock — nights, weekends, and holidays included.
Your reconciliation data and your customers' trust are protected by design.
Every API call is HMAC-SHA256 signed with timestamp and nonce replay protection.
Callbacks are signed with a separate webhook secret and carry idempotency keys.
API and webhook secrets are encrypted at rest and never exposed after creation.
Every match, approval, and admin action is logged for compliance and review.
Customers pay into your own account. No intermediaries, no settlement windows, no waiting for payouts.
Stop cross-checking screenshots and credit alerts. Our scoring engine matches transfers automatically.
Human-readable narration codes dramatically improve match rates — even when sender names differ.
Small under- and over-payments are handled gracefully — good customers aren't punished for rounding.
Chargebacks and reversals are detected and reported so your ledger stays accurate.
Two endpoints — initiate and status — plus signed webhooks. Integrate in an afternoon.
Credpoint sets the transaction fee. The more volume you process, the more you save.
A flat amount added to every deposit. Simple and predictable for any platform.
A flexible rate calculated from each deposit, scaling proportionally with your transaction sizes.
A structured table based on deposit amount, ideal for platforms with mixed transaction volumes.
The more you grow, the less you pay per transaction
Volume discounts
Fees are negotiable by volume. High-throughput platforms automatically qualify for reduced rates with no lock-ins or hidden tiers.
Transparent billing
Fees are charged only on successful approvals and billed monthly with a full, itemized ledger. You will always know exactly what was charged and why.
Reach out to the Mist Creations team to discuss your integration and get your API credentials.