PC-EFTPOS i3070 User Manual

A complete guide to PC-EFTPOS i3070.

i3070

User Guide

Contact details

Westpac Merchant Business Solutions Help Desk

• Service, Sales and Support

• Terminal Diﬃculties

1800 029 749 (24 hours a day, 7 days a week)

PC EFTPOS Help Desk

• Issues/Faults with POS System

(02) 9998 9800

Manual Credit Card Authorisations (MasterCard, Visa)

132 415 (24 hours a day, 7 days a week)

American Express Authorisations

1300 363 614

Diners Club Authorisations

1800 331 112

JCB Authorisations

1300 363 614

Cardholder Behaving Suspiciously

Note: If one of our operators asks you to retain a card, please ensure your personal safety ﬁrst. Do not comply with the request if you or anyone else is placed at risk.

132 415 Extension 500

Merchant details

Please complete the details below for your merchant facility.

Trading name:

Merchant number:

If your terminal is enabled for Electronic Fallback (EFB) transactions your ﬂoor limit is:

$ for credit card transactions

$ for debit card transactions

1i3070 USER GUIDE

Contents

1.0 Introduction .................................. 2

1.1 Merchant Responsibility for Equipment and Materials

Provided .......................................... 2

1.2 Cancellation of Facility ................... 3

1.3 Damaged, Lost or Stolen

Equipment ....................................... 3

1.4 Transaction receipts ....................... 3

2.0 Getting Started ............................. 4

3.0 Passwords ..................................... 9

4.0 Procedures .................................. 10

4.1 Terminal Activation ....................... 10

4.1.1 Conﬁgure Merchant ...................... 10

4.1.2 Logon ............................................ 10

4.2 Inserting a Chip Card .................... 10

4.3 Swiping a Magnetic Stripe Card ....11

4.4 Manual input of card data ..............11

4.5 Operating Training Mode ...............12

5.0 Transaction Procedures ..............15

5.1 How to Process a Purchase ...........15

5.2 How to Process a Purchase

with Cash Transaction ...................17

5.3 How to Process a Cash Only

Transaction ....................................19

5.4 How to Process a Refund ..............21

5.5 How to Void a Transaction ............ 23

5.6 How to Process a Tip Adjustment .. 25

5.7 How to Process a Mail/Telephone Order/e-Commerce Transaction .. 28

5.8 How to Process a

Pre-Authorisation .......................... 30

5.9 How to Process a Completion ...... 32

5.9.1 Using the ROC Number ................ 32

5.9.2 Using the Authorisation ID............ 34

6.0 Reporting Functions ................... 37

6.1 Terminal settlement ...................... 37

6.2 Funds settlement ..........................40

6.3 Pre-settlement .............................. 40

6.4 How to reprint last settlement ..... 42

7.0 Fall Back Sales Procedures ....... 43

7.1 Electronic Fall Back ...................... 43

7.2 Manual Fall Back* ......................... 45

8.0 Minimising fraud ......................... 46

8.1 CCV security codes ...................... 46

9.0 Trouble shooting ......................... 48

9.1 Hardware faults ............................ 48

9.2 Response codes ............................ 49

10.0 PIN Entry ...................................... 54

11.0 Glossary ....................................... 55

12.0 Appendix A:

Error/Fault Recovery Guide ...... 56

*Manual Fall Back facility only available when enabled on terminal.

2 i3070 USER GUIDE INTRODUCTION

1.0 Introduction

The PC-EFTPOS i3070 terminal allows transactions to be processed for Debit Cards (Savings and Cheque accounts), Credit Cards (Visa and MasterCard) and Charge Cards (American Express, Diners Club and JCB). To accept Charge Card transactions please contact the Charge Card provider.

The features of the PC-EFTPOS i3070 terminal include:

●●

Process Purchases

●●

Process Purchases with Cash Out for Debit Cards

●●

Process Refunds

●●

Process Voids

●●

Process Mail/Telephone Order Transactions (MOTO) and E-Commerce (ECOM) transactions (approved merchants only)

●●

Process Cash Out Transactions for Debit Cards

●●

Process Pre-Authorisation and Completion Transactions (approved merchants only)

●●

Process Tip Adjustments

●●

Training Mode supported

1.1 Merchant Responsibility for Equipment and Materials Provided

Imprinters and terminals (where supplied by us), plus any unused stationery and promotional material remain the property of the Bank.

●●

You must not sell, assign or in any way encumber them.

●●

You shall not part with possession of them to a third party or give access to a third party.

●●

You must ensure that the terminals are covered by your business or contents insurance.

Terminals must not be relocated without prior authorisation.

Terminals must be located where customers can use the PINpad without the risk of other people seeing them key in their PIN.

3i3070 USER GUIDE INTRODUCTION

1.2 Cancellation of Facility

If your merchant facility is cancelled for any reason, this equipment and materials must be returned to us. To make arrangements for return call the Westpac Helpdesk on 1800029749. You must ensure that all equipment and materials are available to be returned within ﬁve business days of our request.

Fees and charges will continue to be incurred until the equipment is returned to the bank asinstructed.

1.3 Damaged, Lost or Stolen Equipment

You are responsible for your equipment. If equipment is damaged, lost or stolen, you will be charged for their replacement.

1.4 Transaction receipts

You need to retain all transaction receipts printed on POS for at least 12 months after the date of the transaction; in secure manner for reconciliation and in case of terminal failure. Refer to Section 14.0 Records in the Merchant Business Solutions Card Acceptance by Business brochure.

You must provide customer with a receipt unless they request otherwise.

4 i3070 USER GUIDE GETTING STARTED

2.0 Getting Started

2.1 PC EFTPOS i3070 Terminal

The PC-EFTPOS i3070 terminal operates as a card reader and as a PINpad for the cardholder. The PC-EFTPOS i3070 kit includes:

●●

The i3070 terminal,

●●

a detachable power supply,

●●

a PC cable with serial RS232 connection,

●●

a PC cable with USB connection and

●●

operates as a PIN Pad for the customer.

2.2 Keyboard Layout

3

def

6

mno

9

wxy

2

abc

5

jkl

8

tuv

1

Q Z

4

ghi

7

pqr

Cancel

Clear

E N T E R

0

Func

Feed

CHQ SAV

CR

Account Selection

Keys

Function key

Chip Card Reader

Mag Stripe Reader

Cancel Key

Clear Key

Enter Key

5i3070 USER GUIDE GETTING STARTED

Account Selection

Keys: The ACCOUNT SELECTION keys are used to select options displayed

on the terminal screen and to select the account required for the transactions.

Mag Stripe Reader:

Where a cards magnetic stripe is swiped through the terminal.

Cancel key: The CANCEL key is used to cancel the current function and return the

terminal to the idle state.

Clear key: The CLEAR key is used to clear data entered into the terminal via

thepinpad.

Enter key: The ENTER key is used to conﬁrm data entered or displayed and to

select menu options.

Function Key: The FUNCTION key is used to access the terminal functions.

Chip Card Reader:

To insert a Chip card with Chip facing upwards and chid side towards the terminal.

2.3 Communications and Connections

The PC-EFTPOS i3070 can use various methods to communicate with the bank depending on your set up at site. The terminal can be connected via IP (using PC-EFTPOS Communications gateway), a dial-up modem (P66, P67 or P68) or Argent ISDN. Depending on which communication method is used, the terminal is connected in diﬀerent ways.

6 i3070 USER GUIDE GETTING STARTED

Connecting the pinpad to the PC:

Using the RS232 cable:

1. Plug the power adaptor into a power point.

2. Plug the RJ connector of the RS232 cable into the back of the pinpad.

3. Connect the power connector into the plug at the end of the RS232 cable.

4. Plug the RS232 connector into a COM Port on the PC.

5. Ensure that EFTClient points to the correct COM Port mentioned in Step 4 so that the pinpad will be detected by PC. The status on EFTClient should be “PINPAD Online”

Using the USB cable:

1. Do not connect the pinpad to your PC until instructed to by the PC EFTPOS installer.

2. Plug the RJ connector of the USB cable into the back of the pinpad.

3. When instructed, connect the USB cable into a COM Port on the PC.

4. Switch the pinpad to USB mode by the following procedure:

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Press the Function key.

FUNCTION

xxxxxxxx

Key in 11112227 and press Enter.

CHANGE TO USB?

[ENTER] = YES

[CLEAR] = NO

Press the Enter key for USB mode.

5. Ensure that EFTClient points to the correct COM Port mentioned in Step 3 so that the PIN Pad will be detected by PC. The status on EFTClient should be “PINPAD Online”

7i3070 USER GUIDE GETTING STARTED

2.3.1 IP

You will need to download PC EFTPOS Communications Gateway. Contact PC EFTPOS to gain access to this. Other than an internet connection, there is no need for any other connections to the pinpad or PC.

2.3.2 Dial up using modem

1. Plug the Modem power cord into the modem and the power socket at the wall.

2. Connect the telephone cable into the ‘Line’ connector on the modem and into the telephone wall socket.

3. Connect the POS cable to a COM port on the PC and the Pinpad port on the modem.

Phone

Socket

Power

Dial Up Line

Rear of P66 Modem

Power PINpad

Com Port Com Port

Rear of PC

ECR LAN Phone Line

Modem Cable

RS232/USB Cable

8 i3070 USER GUIDE GET TING STARTED

2.3.3 Argent ISDN

1. Telstra supplies an Argent Terminal Adaptor (ATA). Telstra Argent helpdesk number 1300137100 option 4.

2. Connect the ATA’s RS232 modem cable from the COM port on the PC to the V24 port onthe ATA.

3. The ATA should display a solid dot if the set up is correct.

Telstra

On Ramp

Argent

Terminal

Adapter

Serial Port Com Port

Rear of PC

Modem Cable

RS232 Cable

9i3070 USER GUIDE PASSWORDS

3.0 Passwords

3.1 VOID Password

Your terminal is programmed with a password which is required for Voids. The void password will have a default setting when you receive your terminal(s). You (as the authorised signatory) will need to contact the Westpac Merchant Helpdesk to change your password. The password can be changed at any time by contacting Merchant Business Solutions on 1800 029 749.

Ensure that your password is changed regularly to prevent unauthorised use.

You are responsible for protecting this password against unauthorised use.

3.2 Terminal Functions

The following function has been included for enabling/disabling merchant copies of a receipt:

●●

Function 11115555

Terminal will display

ENABLE

MERCHANT RECEIPT?

[ENTER] = YES

[CLEAR] = NO

When merchant copy is disabled

And

DISABLE

MERCHANT RECEIPT?

[ENTER] = YES

[CLEAR] = NO

The terminal will store this ﬂag (after restart the ﬂag will have the same value as it was before restart). When the ﬂag is on (enabled), the terminal always prints a merchant copy of the receipt for successful transactions in any mode (standalone or integrated). When the ﬂag is oﬀ (disabled), the terminal works as speciﬁed in the current version of application.

10 i3070 USER GUIDE PROCEDURES

4.0 Procedures

4.1 Terminal Activation

4.1.1 Conﬁgure Merchant

When your new terminal installed in the store for the ﬁrst time, you need to conﬁgure Terminal ID (Catid ﬁeld) and Merchant ID (Caid ﬁeld) correctly on your POS system. Please refer to you POS user guide for instructions on Conﬁgure Merchant procedures.

4.1.2 Logon

Please refer to your POS (Point of Sale) user guide for instructions on Logon procedures.

4.2 Inserting a Chip Card

Chip cards need to be inserted into the i3070 terminal for the duration of the transaction.

The chip card reader is located at the bottom of the terminal below the keypad.

1. Check the terminal is displaying the message PRESENT CARD.

2. Hold the card face-up with the chip towards the terminal.

3. Insert the card as far as it will go into the reader and continue processing transaction.

4. Leave the card in the terminal until prompted to remove.

5. If a chip card is swiped, the terminal prompt “Please Insert” will display.

6. If a chip card is faulty, you may be prompted to swipe the card.

11i3070 USER GUIDE PROCEDURES

4.3 Swiping a Magnetic Stripe Card

The magnetic stripe reader is located on the right hand side of the terminal.

1. Check the terminal is displaying the message PRESENT CARD.

2. Hold the card upside-down with the magnetic strip facing inwards.

3. Swipe the card smoothly through the card reader, in either direction. Ensure the whole magnetic stripe is swiped through the reader.

4. If there is no response from the terminal, or CARD ERROR message displays, swipe the card again. You might need to swipe faster or slower.

4.4 Manual input of card data

In the event that a card cannot be inserted or swiped, the card details may be entered through the POS system or PIN Pad to complete the transaction. Manual input of card data available when enabled on terminal and only valid for credit card transaction.

To manually capture card details which entered through PIN Pad:

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate transaction from POS.

PURCHASE $X.XX

PRESENT CARD

Press “FUNC” key on PIN Pad to enter card number.

PURCHASE $X.XX

ENTER CARD#

Enter credit card number and then press “ENTER” on PIN Pad.

12 i3070 USER GUIDE PROCEDURES

TERMINAL DISPLAY PROCEDURE

PURCHASE $X.XX

CARD EXP MM/YY MM/YY

Enter card expiry date and then press “ENTER” on PIN Pad.

ENTER CCV

Enter 3 or 4 digits CCV number available on the card and press “ENTER” on PIN Pad.

When no CCV available on card, press “ENTER” to continue processing transaction.

4.5 Operating Training Mode

Training mode helps you train new staﬀ members in the operation of the terminal. Training Mode can be initiated from your POS system whenever the terminal is in a ‘ready’ state without aﬀecting live value totals. During Training Mode the terminal will not connect to the Host but will perform all transactions oﬄine. Transactions performed in Training Mode will not aﬀect your settlement total.

The screen will display Training Mode once a transaction is initiated.

To operate training mode:

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Set the Training Mode ﬂag on the POS, and initiate a transaction.

Note: Only ﬁnancial transactions can be performed while in training mode. Training mode can also only be enabled when the terminal is in a ready state and when there are no reversal or advices pending.

PURCHASE $X.XX

PRESENT CARD

**TRAINING MODE**

Insert the customer’s chip card into the chip card reader.

Or:

Swipe the customer’s card through the card reader.

Process transactions as per procedures in Section 4.0. Receipts will display TRAINING/VOID on them.

13i3070 USER GUIDE PROCEDURES

Receipt in Training Mode

MERCHANT COPY

**TRAINING ONLY**

NOT A VALID

TRANSACTION

MasterCard ………….1234 (C)

ACCT TYPE CREDIT TRANS TYPE VOID REFUND TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000473 DATE/TIME 22 JUN 09 16:14

AID A0000000041010 TC AF6702D8211E2290

AMOUNT $73.08

TOTAL AUD $73.08

AUTH 837514

APPROVED 08

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

**TRAINING ONLY**

NOT A VALID

TRANSACTION

MasterCard ………….1234 (C)

ACCT TYPE CREDIT TRANS TYPE VOID REFUND TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000473 DATE/TIME 22 JUN 09 16:14

AID A0000000041010 TC AF6702D8211E2290

AMOUNT $73.08

TOTAL AUD $73.08

AUTH 837514

APPROVED 08

14 i3070 USER GUIDE PROCEDURES

Please note:

●●

In training mode, whole dollar amounts will generate an approved transaction. Other amounts will result in a ‘response code’ corresponding to the number of cents. For example an amount of $2.01 or $0.01 will result in a response code of 01 Declined, Contact Bank.

To exit training mode:

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

User sets the training mode ﬂag oﬀ from the POS and the terminal is now available for ﬁnancial transactions.

At the end of Training Mode all transactions are reset and previous values are restored to batch and ROC (Record of Charge) number.

i3070 USER GUIDE TRANSACTION PROCEDURES 15

5.0 Transaction Procedures

5.1 How to Process a Purchase

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a purchase transaction from the POS.

PURCHASE $X.XX

PRESENT CARD

Insert the customer’s chip card into the chip card reader.

Or:

Swipe the customer’s card through the card reader.

PURCHASE $X.XX

SELECT ACCOUNT

CHQ SAV CR

Have the cardholder select their account.

Note: The terminal will only display the available accounts for the card entered.

CREDIT $X.XX

PIN AND/OR ENTER

XXXX

Where prompted, have the cardholder key in their PIN and press Enter, or just press Enter. Please refer to Section 10 for appropriate PIN entry prompt screen.

CREDIT SALE

PROCESSING

The terminal is connecting to the bank and processing the transaction.

If a credit transaction is selected, the issuer’s name (eg: MASTERCARD, Visa, AMEX) is displayed on this screen. If a debit transaction, DEBIT is displayed for cheque or savings accounts.

REMOVE CARD

If a chip card was inserted, please remove it at this prompt.

VERIFY SIGNATURE

CORRECT?

If signature is required, remove the card from the terminal: Have the customer sign the receipt. If the signature matches the signature on the card, press Yes on the POS.

CREDIT SALE

APPROVED

This screen will appear if the transaction is approved.

i3070 USER GUIDE TRANSACTION PROCEDURES16

Note:

1. The entering of PIN on credit is optional. Allow the cardholder to enter their PIN at the terminal prompt. If the cardholder bypasses PIN entry a signature will need to be obtained to authorise the transaction. A PIN on Debit is mandatory.

2. If the terminal reads ‘ENTER AUTH ID’, please refer to Section 7.0.

Before completing the sale, check that the transaction was approved. Hand the customer their copy of the transaction record and their card. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Chapter 9.2, Response Codes.

Approved Purchase Receipt

(signature required)

Approved Purchase Receipt

(no signature required)

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard

................1111(C)

ACCT TYPE CREDIT TRANS TYPE PURCHASE TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000616 BANK REF 000123 DATE/TIME 23 JUN 09 16:56

AID A0000000041010 TC 244F234AC7FD7547

AMOUNT $28.00

TIP $........

TOTAL AUD $........

AUTH 123456

APPROVED 00

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard

................1111(C)

ACCT TYPE CREDIT TRANS TYPE PURCHASE TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000616 BANK REF 000123 DATE/TIME 23 JUN 09 16:56

AID A0000000041010 TC 244F234AC7FD7547

AMOUNT $28.00

TIP $........

TOTAL AUD $........

AUTH 123456

APPROVED 00

i3070 USER GUIDE TRANSACTION PROCEDURES 17

5.2 How to Process a Purchase with Cash Transaction

The following ﬂow shows a purchase with cash-out transaction (only available for Cheque and Savings Accounts).

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a purchase with cash transaction from thePOS.

PURCHASE $X.XX

PRESENT CARD

Insert the customer’s chip card into the chip card reader.

Or:

Swipe the customer’s card through the card reader.

PURCHASE $X.XX

SELECT ACCOUNT

CHQ SAV

Have the cardholder select their account.

Note: Credit is not an option.

CHEQUE $X.XX

PIN AND ENTER

XXXX

Have the cardholder key in their PIN and press Enter.

DEBIT SALE

PROCESSING

The terminal is connecting to the bank and processing the transaction.

REMOVE CARD

If a chip card was inserted, please remove it at this prompt.

DEBIT SALE

APPROVED

This screen will appear if the transaction is approved.

Before completing the sale, check that the transaction was approved. Hand the customer their copy of the transaction record and their card. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Chapter 9.2, Response Codes.

i3070 USER GUIDE TRANSACTION PROCEDURES18

Approved Purchase with Cash Receipt

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

DEBIT

123456....1234 (C)

ACCT TYPE CHEQUE TRANS TYPE PUR/CASH TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000520 BANK REF 000123 DATE/TIME 23 JUN 09 10:45

AMOUNT $13.00 CASH OUT $20.00

TOTAL AUD $33.00

AUTH ID 146557

APPROVED 00

i3070 USER GUIDE TRANSACTION PROCEDURES 19

5.3 How to Process a Cash Only Transaction

If ‘Cash’ is enabled on the terminal, customers can be given cash out. Cash is available from cheque and savings accounts only.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a cash-out only transaction from the POS.

CASH-OUT $X.XX

PRESENT CARD

Insert the customer’s chip card into the chip card reader.

Or:

Swipe the customer’s card through the card reader.

CASH-OUT $X.XX

SELECT ACCOUNT

CHQ SAV

Have the cardholder select their account.

Note: Credit is not an option.

CHEQUE $X.XX

PIN AND ENTER

XXXX

Have the cardholder key in their PIN and press Enter.

DEBIT CASH

PROCESSING

The terminal is connecting to the bank and processing the transaction.

REMOVE CARD

If a chip card was inserted, please remove it at this prompt.

DEBIT CASH

APPROVED

This screen will appear if the transaction is approved.

Before completing the sale, check that the transaction was approved. Hand the customer their copy of the transaction record and their card. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Chapter 9.2, Response Codes.

i3070 USER GUIDE TRANSACTION PROCEDURES20

Approved Cash Only Receipt

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

DEBIT 123456…234 (C)

ACCT TYPE CHEQUE TRANS TYPE CASH OUT TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000522 BANK REF 000123 DATE/TIME 23 JUN 09 10:46

CASH OUT $20.00

TOTAL AUD $20.00

AUTH ID 146558

i3070 USER GUIDE TRANSACTION PROCEDURES 21

5.4 How to Process a Refund

Refunds may only be processed where there was an initial valid transaction on the same card. If a customer returns a purchase, or if an incorrect amount was charged, process a refund as follows:

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a refund transaction from the POS.

REFUND $X.XX

PRESENT CARD

Insert the customer’s chip card into the chip card reader.

Or:

Swipe the customer’s card through the card reader.

REFUND $X.XX

SELECT ACCOUNT

CHQ SAV CR

Have the cardholder select their account.

CREDIT $X.XX

PIN AND/OR ENTER

XXXX

Where prompted, have the cardholder key in their PIN and press Enter, or just press Enter.

1

CREDIT REFUND

PROCESSING

The terminal is connecting to the bank and processing the transaction.

REMOVE CARD

If a chip card was inserted, please remove it at this prompt.

VERIFY SIGNATURE

CORRECT?

If signature is required, remove the card from the terminal: Have the customer sign the receipt. If the signature matches the signature on the card, press Yes on the POS.

CREDIT REFUND

APPROVED

This screen will appear if the transaction is approved.

i3070 USER GUIDE TRANSACTION PROCEDURES22

Note:

1. The entering of PIN on credit is optional. Allow the cardholder to enter their PIN at the terminal prompt. If the cardholder bypasses PIN entry a signature will need to be obtained to authorise the transaction. A PIN on Debit is mandatory.

For a credit account, a signature may be required for a refund even when a PIN has been entered.

2. If the terminal reads ‘ENTER AUTH ID’, please refer to Section 7.0.

Before completing the refund, check that the transaction was approved. Hand the customer their copy of the transaction record and their card. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Chapter 9.2, Response Codes.

Approved Refund Receipt

(signature required)

Approved Refund Receipt

(no signature required)

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard

................11234 (C)

ACCT TYPE CREDIT TRANS TYPE REFUND TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000549 BANK REF 000778 DATE/TIME 23 JUN 09 11:18

AMOUNT $201.00

TOTAL AUD $201.00

AUTH 25817

APPROVED 08

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard

................11234 (C)

ACCT TYPE CREDIT TRANS TYPE REFUND TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000549 BANK REF 000778 DATE/TIME 23 JUN 09 11:18

AMOUNT $201.00

TOTAL AUD $201.00

AUTH 25817

APPROVED 00

i3070 USER GUIDE TRANSACTION PROCEDURES 23

5.5 How to Void a Transaction

The Void function can be carried out on credit or charge cards to reverse a transaction that has not yet settled.

Note:

●●

Debit cards and pre-authorisation transactions cannot be voided.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a void from the POS.

ENTER ROC NO

ON POS

If a ROC number was not entered on the POS, this screen will appear. Key in the ROC no. of the transaction you wish to void.

PASSWORD Key in your void password and press Enter.

SCANNING BATCH

PLEASE WAIT

The terminal will search for the transaction.

VERIFY VOID

CORRECT?

The transaction details will appear on the POS. Press Yes on the POS to conﬁrm the void.

CREDIT VOID

APPROVED

This screen will appear if the void is approved.

Before completing the void, check that the transaction was approved. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Section 9.2, Response Codes.

i3070 USER GUIDE TRANSACTION PROCEDURES24

Approved Void Receipt

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard ………….1234 (C)

ACCT TYPE CREDIT TRANS TYPE VOID REFUND TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000473 BANK REF 001065 DATE/TIME 22 JUN 09 16:14

AID A0000000041010 TC AF6702D8211E2290

AMOUNT $73.00

TOTAL AUD $73.00

AUTH 837514

APPROVED 08

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard ………….1234 (C)

ACCT TYPE CREDIT TRANS TYPE VOID REFUND TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000473 BANK REF 001065 DATE/TIME 22 JUN 09 16:14

AID A0000000041010 TC AF6702D8211E2290

AMOUNT $73.00

TOTAL AUD $73.00

AUTH 837514

APPROVED 08

i3070 USER GUIDE TRANSACTION PROCEDURES 25

5.6 How to Process a Tip Adjustment

A tip adjustment is performed after the original transaction has been processed. The customer veriﬁes the base amount of the sale oﬀers a tip and signs the receipt. The adjustment transaction is then processed.

Note:

●●

Tip Addition applies to credit and charge cards only.

●●

The original purchase must not yet have been settled.

●●

When tip addition is enabled, a signature must be obtained if the receipt reads ‘Approved with Signature’ or if the cardholder writes a tip addition on the receipt. This applies even if the original purchase is approved with PIN. A signature does not need to be obtained if the receipt shows the original purchase as ‘Approved’, and no Tip is added.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a tip addition via the POS.

ENTER ROC NO

ON POS

If a ROC number was not entered on the POS, this screen will appear. Key in the ROC no. of the transaction to which you wish to add the tip.

SCANNING BATCH

PLEASE WAIT

The terminal will search for the transaction.

VERIFY TIP

CORRECT?

The transaction details will appear on the POS. Press Yes on the POS to conﬁrm the tip addition.

CREDIT TIP

APPROVED

This screen will appear if the tip addition is approved.

i3070 USER GUIDE TRANSACTION PROCEDURES26

Original Purchase Transaction Receipt

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard …………1234(C)

ACCT TYPE CREDIT TRANS TYPE PURCHASE TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000580 BANK REF 001288 DATE/TIME 23 JUN 09 13:01

AID A0000000041010 TC 68A5AD0B8F422FE2

AMOUNT $24.00

TIP $..........

TOTAL AUD $..........

AUTH 535953

APPROVED 00

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard …………1234(C)

ACCT TYPE CREDIT TRANS TYPE PURCHASE TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000580 BANK REF 001288 DATE/TIME 23 JUN 09 13:01

AID A0000000041010 TC 68A5AD0B8F422FE2

AMOUNT $24.00

TIP $..........

TOTAL AUD $..........

AUTH 535953

APPROVED 00

i3070 USER GUIDE TRANSACTION PROCEDURES 27

Approved Tip Addition Receipt

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard …………1234(C)

ACCT TYPE CREDIT TRANS TYPE TIP ADJUST TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000580 BANK REF 001065 DATE/TIME 23 JUN 09 16:14

AID A0000000041010 TC AF6702D8211E2290

AMOUNT $24.00 TIP AMOUNT $1.00

TOTAL AUD $25.00

AUTH 837514

APPROVED 08

i3070 USER GUIDE TRANSACTION PROCEDURES28

5.7 How to Process a Mail/Telephone Order/e-Commerce Transaction

Transactions initiated by mail or telephone are known as MOTO (Mail Order or Telephone Order) transactions. ECOM (Electronic Commerce) transactions are those initiated over theInternet.

MOTO and ECOM transactions can be processed on credit and charge cards only, as the cardholder is not present.

For information on how to register as a MOTO or ECOM merchant, contact Westpac’s Merchant Business Solutions.

Note:

●●

Until registered as a MOTO/ECOM merchant you must not process MOTO or ECOM transactions.

●●

An authorisation of a MOTO or ECOM transaction only establishes that the funds are available in the cardholder’s account and that the card has not been reported lost or stolen. It does not guarantee that the person whose name appears on the card is making the purchase or that the purchase will not be subject to a chargeback.

●●

You will be liable for all chargebacks on MOTO/ECOM transactions.

●●

You must retain all merchant receipts for at least twelve months from the transaction date.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a MOTO or ECOM transaction via the POS.

ENTER CCV

ON POS

If the CCV was not entered during the step above, this screen will appear. Key in the CCV on the POS. This can be left blank.

If the operator selects ACCEPT, the terminal will accept the CCV that has been input and proceed to the next step.

If the operator selects CANCEL, the terminal will return to the idle state.

CREDIT $X.XX

PRESS ENTER

This screen displayed for MOTO transactions as amount conﬁrmation screen. Transaction defaults to credit and requests Merchant to press ENTER.

i3070 USER GUIDE TRANSACTION PROCEDURES 29

TERMINAL DISPLAY PROCEDURE

CREDIT MOTO

PROCESSING

The terminal is connecting to the bank and processing the transaction.

For credit MOTO transaction, the issuer’s name (eg: MASTERCARD, Visa) is displayed on this screen.

CREDIT MOTO

APPROVED

Displayed if the transaction is approved. This message will be displayed on the terminal and POS display for 5 seconds unless the operator presses OK.

Before completing the sale, check that the transaction was approved. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Chapter 9.2, Response Codes.

Approved MOTO Receipt

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard …………1234 (M)

ACCT TYPE CREDIT TRANS TYPE MOTO PURCH TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000524 BANK REF 001234 DATE/TIME 23 JUN 09 10:50

AMOUNT $14.00

TOTAL AUD $14.00

APPROVED 08

Note: Only Merchant copy printed for MOTO/ECOM transaction type.

i3070 USER GUIDE TRANSACTION PROCEDURES30

5.8 How to Process a Pre-Authorisation

This function is used to reserve funds on a card for a sale to be processed at a later time. Car rentals and hotels/motels most commonly use this function.

Note:

●●

Pre-authorisation transactions can only be performed on credit cards and charge cards and only where you have been authorised to do so. Be sure to retain the receipt as it might be required to process the completion transaction.

●●

The terminal retains pre-authorisations for seven calendar days only.

●●

The length of time funds are held on a customer’s card varies depending on the rules set by the cardholder’s card issuer.

●●

Once obtained, a pre-authorisation cannot be cancelled except by the card issuer, or until the authorisation expires.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a Pre-Authorisation transaction via the POS.

PRE-AUTH $X.XX

PRESENT CARD

Insert the customer’s chip card into the chip card reader.

Or:

Swipe the customer’s card through the card reader.

CREDIT $X.XX

PIN AND/OR ENTER

XXXX

Have the cardholder key in their PIN and press

Enter, or just press Enter.

CREDIT AUTH

PROCESSING

The terminal is connecting to the bank and processing the transaction.

For credit Pre-auth transaction, the issuer’s name (eg: MASTERCARD, Visa) is displayed on this screen.

REMOVE CARD

If a chip card was inserted, please remove it at this prompt.

VERIFY SIGNATURE

CORRECT?

If no PIN entered, Operator veriﬁes signature and presses YES or NO on the POS.

There is no timeout to this prompt. After 60 secs the POS will beep until the operator takes the appropriate action.

i3070 USER GUIDE TRANSACTION PROCEDURES 31

TERMINAL DISPLAY PROCEDURE

CREDIT AUTH

APPROVED

Displayed if the transaction is approved.

These messages will be displayed on the terminal and POS display for 5 seconds unless the operator presses OK.

Before completing the authorisation, check that the transaction was approved.

Hand the customer their copy of the transaction record and their card. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Chapter 9.2, Response Codes.

Approved Pre-Auth Receipt

(signature required)

Approved Pre-Auth Receipt

(no signature required)

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard 1111 1111 1111 1111(C)

ACCT TYPE CREDIT TRANS TYPE PRE-AUTH TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000580 BANK REF 001288 DATE/TIME 23 JUN 09 13:01 EXPIRY DATE 03/12

AID A0000000041010 TC 68A5AD0B8F422FE2

AMOUNT $24.00

TOTAL AUD $24.00 AUTH 535953

APPROVED 00

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard 1111(C)

ACCT TYPE CREDIT TRANS TYPE PRE-AUTH TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000580 BANK REF 001288 DATE/TIME 23 JUN 09 13:01

AID A0000000041010 TC 68A5AD0B8F422FE2

AMOUNT $24.00

TOTAL AUD $24.00

AUTH 535953

APPROVED 00

i3070 USER GUIDE TRANSACTION PROCEDURES32

5.9 How to Process a Completion

A completion is used to complete an earlier pre-authorisation and charge the cardholder. You can process a completion in one of two ways:

1. Using the ROC number from the Pre-Authorisation transaction.

2. Using the Authorisation ID of the Pre-Authorisation transaction

Note:

●●

The terminal retains pre-authorisations for seven calendar days only.

5.9.1 Using the ROC Number

This process is one where the Completion has been initiated from the POS and the ROC number has been supplied by the POS.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a completion transaction via the POS.

SCANNING BATCH

PLEASE WAIT

The terminal is searching for the ROC no. entered in the above step.

VERIFY CHECKOUT

CORRECT?

The transaction details will appear on the POS. Press Yes on the POS to conﬁrm the completion.

VERIFY SIGNATURE

CORRECT?

Have the cardholder sign the receipt. If the signature matches the signature on the card, press Yes on the POS.

CREDIT C/O

APPROVED

This screen will appear if the completion is approved.

i3070 USER GUIDE TRANSACTION PROCEDURES 33

Completion Receipt with ROC

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard ………… 1234(C)

ACCT TYPE CREDIT TRANS TYPE CHECKOUT TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000582 DATE/TIME 23 JUN 09 13:08

AID A0000000041010 TC FCB4E55B34C5EDCA

AMOUNT $26.00

TOTAL AUD $26.00

APPROVED 00

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard ………… 1234(C)

ACCT TYPE CREDIT TRANS TYPE CHECKOUT TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000582 DATE/TIME 23 JUN 09 13:08

AID A0000000041010 TC FCB4E55B34C5EDCA

AMOUNT $26.00

TOTAL AUD $26.00

APPROVED 00

i3070 USER GUIDE TRANSACTION PROCEDURES34

5.9.2 Using the Authorisation ID

This process is one where the Completion has been initiated from the POS but the ROC number has not been supplied by the POS.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

Initiate a completion transaction via the POS.

ENTER ROC NO

ON POS

The POS display will prompt for the ROC number to be entered.

Press NO on terminal to continue without ROC no.

If the operator selects YES, the terminal will accept the ROC number that has been input and proceed to the next step.

If the operator selects CANCEL, the terminal will return a response code to the POS and return the terminal to the idle state.

ENTER AUTH NO

ON POS

Key in the Auth No. of the pre-authorisation into thePOS.

VERIFY CHECKOUT

CORRECT?

Note: This screen only displayed when the pre-auth

transaction is found on terminal.

The transaction details will appear on the POS. Press Yes on the POS to conﬁrm the completion.

Then proceed to signature veriﬁcation screen.

CHECKOUT $X.XX

PRESENT CARD

Note: When the transaction details not found on

the terminal, then New completion transaction is initiated.

Insert the customer’s chip card into the chip card reader.

Or:

Swipe the customer’s card through the card reader.

i3070 USER GUIDE TRANSACTION PROCEDURES 35

TERMINAL DISPLAY PROCEDURE

CREDIT $X.XX

PIN AND/OR ENTER

Have the cardholder key in their PIN and press

Enter, or just press Enter.

Note: The terminal will bypass PIN entry or allow it

based on rules for the card type.

REMOVE CARD

If a chip card was inserted, please remove it at this prompt.

VERIFY SIGNATURE

CORRECT?

Have the cardholder sign the receipt. If the signature matches the signature on the card, press Yes on the POS.

MASTERCARD C/O

APPROVED

Displayed if the transaction is approved.

The issuer’s name (eg: MASTERCARD) displayed on this screen.

These messages will be displayed on the terminal and POS display for 5 seconds unless the operator presses OK.

The completion transaction will be stored in the SAF for transmission at a later time.

Before completing the sale, check that the transaction was approved. Hand the customer their copy of the transaction record and their card. If the transaction is declined, the terminal will display an error message giving the reason. An explanation of the error code is available in Chapter 9.2, Response Codes.

i3070 USER GUIDE TRANSACTION PROCEDURES36

Approved Completion Receipt

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard ………… 1234(C)

ACCT TYPE CREDIT TRANS TYPE CHECKOUT TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000582 BANK REF 001234 DATE/TIME 23 JUN 09 13:08

AMOUNT $26.00

TOTAL AUD $26.00

APPROVED 00

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard ………… 1234(C)

ACCT TYPE CREDIT TRANS TYPE CHECKOUT TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000582 BANK REF 001234 DATE/TIME 23 JUN 09 13:08

AMOUNT $26.00

TOTAL AUD $26.00

APPROVED 00

37i3070 USER GUIDE REPORTING FUNCTIONS

6.0 Reporting Functions

6.1 Terminal settlement

Manual settlement:

Integrated Mode:

Manual Settlement is where a merchant uses a function on POS to instruct the terminal to complete a settlement.

Automatic Settlement:

Automatic Settlement is where the terminal is pre-programmed to settle at a pre-designated time. The auto settle time is controlled by the terminals “Terminal Management System” (TMS). This time can be set/updated in the TMS by calling the Westpac Helpdesk on 1800 029 749. The Westpac Helpdesk will provide details of how to download the auto-settlement information for the terminal.

Automatic Settlement can also be set up as a scheduled task through the PC EFTPOS EMS Client. Please refer to your POS provider or to PC EFTPOS to set-up this function.

Please note: For all settlement types, the terminal (and the PC) must be powered on for settlement to occur at the programmed time.

Important A settlement can only be done once in a 24-hour period. The 24-hr period commences at 11.00pm through to 11.00pm the following day however, please note, no settlement can be made between the hours of 9.30pm and 11.00pm (Sydney time).

Manual settlement:

The following screens are displayed when a settlement request is sent from the POS.

Note: The terminal will check the SAF for entries prior to settlement. Any SAF entries and/or pending reversals will then be ﬂushed online prior to the settlement taking place.

38 i3070 USER GUIDE REPORTING FUNCTIONS

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

The operator initiates settlement from the POS.

SETTLEMENT

PLEASE WAIT

Displayed while the terminal performs a settlement to the bank.

SETTLEMENT

UPLOADING BATCH

Displayed if the settlement response has a batch mismatch response code.

SETTLEMENT

APPROVED

Displayed if the settlement is successful. A settlement report will print at this time.

39i3070 USER GUIDE REPORTING FUNCTIONS

Settlement Report

MERCHANT NAME

MERCHANT ADDRESS 1

MERCHANT ADDRES 2

SETTLEMENT

MERCHANT ID xxxxxxxx TERMINAL ID xxxxxxxx DATE/TIME 22JUN09 16:14

VISA PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

MASTERCARD PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

----------TOTAL AUD $99999.99

DEBIT PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

----------TOTAL AUD $99999.99

BANK TOTALS TOTAL PUR CNT 999 TOTAL PUR 999 PURCHASE $99999.99 TOTAL REFUND $99999.99

----------NET TOTAL AUD $99999.99

AMEX TOTALS PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

Continued

DINERS TOTALS PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

JCB TOTALS PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

TERMINAL TOTALS TOTAL PUR CNT 999 TOTAL REFUND CNT 999 TOTAL PUR $99999.99 TOTAL REFUND $99999.99

-----------NET TOTAL AUD $99999.99

PRE-AUTH TOTALS PURCHASE COUNT 999 PURCHASE $99999.99

-----------TOTAL AUD $99999.99

SETTLEMENT COMPLETE nn

------------------------

40 i3070 USER GUIDE REPORTING FUNCTIONS

6.2 Funds settlement

Funds Settlement

Settlement of all Debit card and Credit card (Visa and MasterCard only) transactions will be deposited to the merchant’s Westpac account on a same day basis where settlement is triggered at the terminal before 9.30 pm AEST on a gazetted business day (excludes weekends and public holidays). For non-Westpac settlement accounts, please allow an additional 24-48 hours depending of the recipient bank for funds to be deposited.

Settlement for AMEX/JCB and Diners Transactions

American Express operate a separate process for settlement, deposit of funds and Merchant Service Fee billing for American Express/JCB transactions. As such, American Express/JCB transactions are the responsibility of American Express and are outside of the control of Westpac. For further detail regarding these processes please contact American Express directly.

Diners Club also operate a separate process for settlement, deposit of funds and Merchant Service Fee billing for Diners Club transactions As such Diners Club transactions are the responsibility of Diners Club and are outside of the control of Westpac. For further detail regarding these processes please contact Diners Club directly.

6.3 Pre-settlement

The following screens are displayed when a pre-settlement request is sent from the POS.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm:ss dd/mm/yy

The operator initiates pre-settlement from the POS.

PRE-SETTLEMENT

PLEASE WAIT

A pre-settlement report will print at this time.

PRE-SETTLEMENT

APPROVED

Displayed if the pre-settlement response contains a ‘00’ response code.

41

Pre-Settlement Report

MERCHANT NAME

MERCHANT ADDRESS 1

MERCHANT ADDRES 2

PRE-SETTLEMENT

MERCHANT ID xxxxxxxx TERMINAL ID xxxxxxxx DATE/TIME 22JUN09 16:14

VISA PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

MASTERCARD PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

----------TOTAL AUD $99999.99

DEBIT PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

----------TOTAL AUD $99999.99

AMEX TOTALS PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

DINERS TOTALS PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

Continued

JCB TOTALS PURCHASE COUNT 999 REFUND COUNT 999 PURCHASE $99999.99 REFUND $99999.99

-----------TOTAL AUD $99999.99

TERMINAL TOTALS TOTAL PUR CNT 999 TOTAL REFUND CNT 999 TOTAL PUR $99999.99 TOTAL REFUND $99999.99

-----------NET TOTAL AUD $99999.99

PRE-AUTH TOTALS PURCHASE COUNT 999 PURCHASE $99999.99

-----------TOTAL AUD $99999.99

i3070 USER GUIDE REPORTING FUNCTIONS

42

i3070 USER GUIDE REPORTING FUNCTIONS

6.4 How to reprint last settlement

This function will reprint the most recent settlement.

TERMINAL DISPLAY PROCEDURE

Last Settlement

MERCHANT NAME

MERCHANT ADDRESS 1

MERCHANT ADDRES 2

LAST SETTLEMENT

MERCHANT ID xxxxxxxx TERMINAL ID xxxxxxxx

DATE/TIME 25JUN09 15:54 CREDIT TOTALS

TOTAL COUNT 999 TOTAL AUD $99999.99

DEBIT TOTALS TOTAL COUNT 999 TOTAL AUD $99999.99

CREDIT/DEBIT TOTALS TOTAL COUNT 999 TOTAL AUD $99999.99

AMEX TOTALS TOTAL COUNT 999 TOTAL AUD $99999.99

JCB TOTALS TOTAL COUNT 999 TOTAL AUD $99999.99

DINERS TOTALS TOTAL COUNT 999 TOTAL AUD $99999.99

SETTLEMENT COMPLETE X00

READY

LOGO

hh:mm:ss dd/mm/yy

The operator initiates a last settlement report from the POS.

LAST SETTLEMENT

PLEASE WAIT

Displayed while the terminal performs a last settlement to the bank.

LAST SETTLEMENT

APPROVED

Displayed if the settlement response contains a ‘00’ response code. A last settlement report will print at this time.

**Where ‘X’ is ‘T’ if it is terminal settled; ‘F’ if forced settled.

43

i3070 USER GUIDE FALL BACK SALES PROCEDURES

7.0 Fall Back Sales Procedures

7.1 Electronic Fall Back

The Electronic Fall Back (EFB) facility is available only when enabled on the terminal, and only for certain card types.

Electronic Fall Back is the ability to continue performing transactions on the terminal, even when communication with the Westpac host system for on-line approval has been lost or the Issuer is unavailable. In EFB mode, transactions are stored within the terminal and manual vouchers are not required. After communication has been restored, the terminal forwards the stored transactions to Westpac for processing.

Your Merchant Letter of Oﬀer contains your debit and credit ﬂoor limits.

You are reminded that you must not “split” a sale in order to avoid obtaining authorisation.

When processing in EFB Mode some diﬀerences apply to normal ‘on-line’ processing:

●●

For credit card transactions that are over your Credit card ﬂoor limit, you will be required to enter an authorisation number which you can obtain by calling 132 415. Alternatively ask your customer for an alternative means of payment.

●●

Signature capture is required on all EFB transactions regardless of the account selection or whether PIN was entered. The terminal will process the transaction in accordance with the EFB ﬂoor limits and other validation settings.

●●

Cheque/Savings account transactions exceeding your debit card ﬂoor limit will be declined. Ask your customer for an alternate means of payment.

When communication has been lost and the amount of the transaction is over your ﬂoor limit, the terminal will display the following:

TERMINAL DISPLAY PROCEDURE

ENTER AUTH ID

ON POS

Key in the Authorisation ID obtained by calling 132415.

VERIFY SIGNATURE

CORRECT?

Have the cardholder sign the receipt. If the signature matches the signature on the card, press Yes on the POS.

CREDIT SALE

APPROVED

This screen will appear if the transaction is approved.

44

i3070 USER GUIDE FALL BACK SALES PROCEDURES

Merchant and customer copy EFB receipt

MERCHANT COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard 1111 1111 1111 1111 (C)

ACCT TYPE CREDIT TRANS TYPE PURCHASE TERMINAL ID 28010101 POS REF 000000004647 INV/ROC NO 000625 BANK REF 00123 DATE/TIME 23 JUN 09 17:31 Exp Date 11/11

AMOUNT $80.00

TIP $........

TOTAL AUD $80.00

APPROVED *08 (P7)

CARDHOLDER SIGN HERE

X

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard …………1111 (C)

ACCT TYPE CREDIT TRANS TYPE PURCHASE TERMINAL ID 28010101 POS REF 000000004647 INV/ROC NO 000625 BANK REF 00123 DATE/TIME 23 JUN 09 17:31

AMOUNT $80.00

TIP $........

TOTAL AUD $80.00

APPROVED *08 (P7)

Note: The terminal is only allowed to go to EFB mode if it has already performed a successful logon and successful transaction that day.

45

i3070 USER GUIDE FALL BACK SALES PROCEDURES

7.2 Manual Fall Back*

If your terminal fails to function correctly you may revert to manual fall back.

Before performing a downtime transaction:

For credit cards, if the transaction is over your EFB credit Limit, call 132 415 for authorisation.

If you are unsure of your EFB Limit for credit cards, please refer to your Letter of Oﬀer or check your recent merchant statement.

For debit cards, if the transaction is over your EFB debit Limit ﬁnd an alternate means of payment. If you are unsure of your EFB Limit for debit cards please refer to your Letter of Oﬀer or check your recent merchant statement.

Manual fall back is produced by entering PAN manually instead of swiping/inserting card toterminal.

If you require any additional information, please contact Merchant Business Solutions on 1800 029 749.

*Manual Fall Back facility only available when enabled on terminal.

46

i3070 USER GUIDE MINIMISING FRAUD

8.0 Minimising fraud

At Westpac, we take fraud seriously, and you should too.

Fraud can cost your business signiﬁcant amounts of money. Certain types of merchants – based on the types of goods sold – are more prone to fraudulent transactions than others. We believe it is essential for you to have a sound understanding of credit card fraud, how it can be detected and how it can be prevented. We have developed a brochure to assist you in ﬁghting fraud.

This brochure is called “Protecting business against credit card fraud”. We strongly recommend you to read this brochure carefully, and keep it close as a handy reference guide.

A DVD is also available if you require more information.

ADDITIONAL FRAUD PREVENTION INFORMATION IS AVAILABLE ON THE WESTPAC WEBSITE AT:

www.westpac.com.au

8.1 CCV security codes

What is CCV?

The three-digit value printed on the signature panel of a payment card used to verify cardnot-present transactions.

CCV security codes are a way to lessen the risk of fraud and chargeback when the cardholder is not physically present, or when a card cannot be inserted/swiped successfully. In these cases you can key in the card number.

A CCV security code is printed on the card but does not appear on receipts. When you key in the CCV code, a check is made that the code matches the card number. This gives greater assurance that the customer is in possession of the card. CCV codes are numbers of three or four digits, depending on the card type.

Note:

●●

Some cards, for example, do not have a CCV code.

●●

CCV (Card Check Value) is also known as CVV and CVC.

47

i3070 USER GUIDE MINIMISING FRAUD

Where Can I Find the CCV Security Code?

Some cards, for example MasterCard and Visa, have a three-digit CCV printed on the signature strip on the reverse side of the card. Other numbers may precede the CCV. The last three digits on the signature strip are the CCV.

Other cards, for example American Express, have a four-digit CCV on the front of the card, above the account number.

Some cards do not have a CCV.

Should I save CCV security codes?

No. It is prohibited to store the CCV codes. Must remain secret. Writing them down or saving them electronically may lead to heavy penalties.

Manual authorisations and CCV

If your terminal is not functioning at all, you can revert to a manual imprinter. When seeking authorisation for a credit card transaction above the ﬂoor limit, be sure to provide the CCV number if available.

4000 0012 3456 7890 123

AUTHORISED SIGNATURE

NOT VALID UNLESS SIGNED

CCV

48

i3070 USER GUIDE TROUBLE SHOOTING

9.0 Trouble shooting

9.1 Hardware faults

Hardware Faults Action

No response from the terminal

1. Ensure that the power cable is securely connected to the terminal.

2. Power oﬀ the terminal for 10 seconds.

3. Power on the terminal.

4. Retry the transaction.

5. Call Merchant Business Solutions if the problem persists.

Terminal not reading cards

1. Re-insert/swipe the card as per instructions in Section 4.

2. If there is still no response from the card reader power oﬀ the terminal for 10 seconds.

3. Power on the terminal.

4. Attempt transaction again.

5. Call Merchant Business Solutions if the problem persists.

49

i3070 USER GUIDE TROUBLE SHOOTING

9.2 Response codes

Below is a copy of a receipt which indicates the location of the Response Codes.

CUSTOMER COPY

WESTPAC TEST LAB 60 MARTIN PLACE SYDNEY NSW 2000

MasterCard ………… 1234 (C)

ACCT TYPE CHEQUE TRANS TYPE PURCHASE TERMINAL ID 28010101 POS REF 123456789876 INV/ROC NO 000553 BANK REF 001258 DATE/TIME 23 JUN 09 11:35

AID A0000000041010 TC 244F234AC7FD7547

AMOUNT $20.00

TOTAL AUD $20.00

AUTH 182126

APPROVED 00

Where your terminal displays a response code not listed on your guide, and you use an electronic terminal supplied by us, you should phone us on 1800 029 749 for clariﬁcation.

Response Code Location

50

i3070 USER GUIDE TROUBLE SHOOTING

Code Display Cause/Action

00

APPROVED

●●

The transaction has been approved

08

APPROVED With signature

●●

The transaction has been approved if the signature is correct

Y1

APPROVED

●●

The transaction has been approved

Y3

APPROVED

●●

The transaction has been approved

01

CALL FOR AUTH

●●

Unable to obtain electronic authorisation

●●

Call for authorisation from appropriate card issuer then complete manual sales voucher if approved

02

CALL FOR AUTH

●●

Unable to obtain electronic authorisation

●●

Call for authorisation from appropriate card issuer then complete manual sales voucher if approved

03

INVALID PPID

●●

Contact Merchant Business Solutions

04

CONTACT CARD ISSUER

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

05

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

06

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

08

APPROVED PENDING SIGNATURE

●●

The transaction is approved if the signature is correct

●●

The cardholder should now sign the receipt

12

INVALID TRANSACTION

●●

Retry the transaction selecting a diﬀerent account

●●

If the transaction is declined again, obtain another form of payment

●●

Advise cardholder to contact issuing bank

13

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

14

CONTACT CARD ISSUER

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

51

i3070 USER GUIDE TROUBLE SHOOTING

Code Display Cause/Action

30

FORMAT ERR CALL HELPDESK

●●

Power the terminal oﬀ and on and retry the transaction

●●

Contact Merchant Business Solutions whilst the cardholder is present to conﬁrm if the transaction has been processed correctly

39

WRONG ACCOUNT

●●

Retry the transaction, selecting a diﬀerent account

●●

If the transaction is declined again, obtain another form of payment

●●

Advise cardholder to contact issuing bank

41

CONTACT CARD ISSUER

●●

Contact manual Credit Card Authorisations

●●

Press the option for extension 500

43

CONTACT CARD ISSUER

●●

Contact manual Credit Card Authorisations

●●

Press the option for extension 500

51

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

52

WRONG ACCOUNT

●●

Retry the transaction, selecting a diﬀerent account

●●

If the transaction is declined again, obtain another form of payment

●●

Advise cardholder to contact issuing bank

53

WRONG ACCOUNT

●●

Retry the transaction, selecting a diﬀerent account

●●

If the transaction is declined again, obtain another form of payment

●●

Advise cardholder to contact issuing bank

54

EXPIRED CARD CANNOT PAY

●●

Check the card expiry date

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

55

INVALID PIN

●●

The cardholder has entered the wrong PIN

●●

Retry the transaction with the correct PIN

56

CONTACT CARD ISSUER

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

52

i3070 USER GUIDE TROUBLE SHOOTING

Code Display Cause/Action

58

INVALID TRANSACTION

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

59

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

61

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

62

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

65

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

75

CANNOT PAY

●●

Retry the transaction

●●

If the transaction is declined again, obtain another form of payment

●●

Advise cardholder to contact issuing bank

90

PLEASE RETRY

●●

Retry the transaction

●●

If the transaction is declined again, obtain another form of payment

●●

Cardholder to contact issuing bank

91

ISSUER NOT AVAILABLE

●●

Bank is unavailable; retry the transaction

●●

If the transaction is declined again follow manual fallback procedures as explained in Section 8.0

94

CANNOT PAY

●●

Obtain another form of payment

●●

Advise cardholder to contact card issuer

97

SETTLE NOT AVAILABLE

●●

A settlement has been processed in the last 24 hours, or the settlement is being attempted between 9.30pm and 11.00pm (Sydney time)

●●

Retry during settlement hours, making sure 24 hours have elapsed since the previous settlement

98

SYSTEM ERROR

●●

Turn terminal oﬀ, then back on, and retry the transaction

●●

Contact Merchant Business Solutions if the problem persists

53

i3070 USER GUIDE TROUBLE SHOOTING

Code Display Cause/Action

TC

DECLINED TC

●●

Retry the transaction, selecting a diﬀerent account

●●

If the transaction is declined again, obtain another form of payment

●●

Advise cardholder to contact issuing bank

TL

DECLINED TL

●●

Signature error

XO

DECLINED TIME OUT

●●

Retry the transaction

●●

Contact Merchant Business Solutions if the problem persists

X7

CANCELLED SYSTEM ERROR

●●

Retry the transaction

●●

Contact Merchant Business Solutions if the problem persists

Z1

CANNOT PAY

●●

Obtain another form of payment

Z3

ISSUER UNAVAILABLE

●●

Obtain another form of payment

Z4

CANNOT PAY

●●

Obtain another form of payment

54

i3070 USER GUIDE PIN ENTRY

10.0 PIN Entry

There are 3 diﬀerent pin screens that can be presented to the customer depending on the card used.

As the user enters their PIN, * characters appear for each number pressed. Pin entry is ﬁnalised by pressing the enter key. A minimum of four and maximum of 12 digits can be entered.

The cancel key on the terminal cannot be pressed to exit the transaction, the transaction can be cancelled by pressing the cancel key on the POS if required.

PIN entry will timeout after 60 seconds if no keys are pressed.

For oﬄine PIN on EMV cards the terminal will check the pin attempt counter, and if there is only one attempt remaining, display a warning on the bottom line as shown in the screens shown in the interface section.

The 3 basic PIN entry screens will be:

1. “PIN AND ENTER” for mandatory PIN.

2. “PIN OR ENTER” for optional PIN.

3. “PRESS ENTER” for no PIN.

55

i3070 USER GUIDE GLOSSARY

11.0 Glossary

CCV Number (Card Check Value)

An additional security feature used in transactions where the card number is entered manually, for example when the cardholder is not present (MOTO or ECI).

Charge Card

American Express, Diners Club or JCB card.

Credit Card

MasterCard or Visa card.

Debit Card

A card that gives the customer access to a cheque account or savings account. The customer must be present when accessing these account types. Details cannot be hand-keyed into an EFTPOS terminal.

Electronic Fall Back (EFB)

The ability to continue performing transactions on the terminal when communication with the Westpac system has been lost.

Manual Fall Back

The use of a manual ‘click clack’ imprinter as a back-up, when an electronic terminal is not working.

Merchant ID

An eight-digit number used to obtain an authorisation code for credit card transactions. This number is unique to your terminal, and can be found on any of the following:

●●

A receipt printed on your terminal.

●●

Your merchant statement.

●●

The metal plate on your manual imprinter.

ROC Number

The ‘Record of Charge’ number found on your terminal receipt. An invoice number.

Terminal ID

An eight-digit number that identiﬁes your EFTPOS terminal. The Terminal ID can be found on a transaction report printed on your terminal.

56

i3070 USER GUIDE APPENDIX A: ERROR/FAULT RECOVERY GUIDE

12.0 Appendix A: Error/Fault Recovery Guide

Top Errors Experienced

COMMS ERROR

No Dial Tone

If terminal is using dial up, then check that the telephone line is connected properly.

ISSUER NOT AVAILABLE

Westpac host may be down, acquirer host may be down – please contact the Help Desk.

NO RESPONSE

Westpac host may be down, acquirer host may be down – please contact the Help Desk.

TERMINAL FROZEN

Power oﬀ the terminal and power back on. If problem persists, please call the Help Desk to swap out the terminal. (refer 10.1).

HARDWARE ERROR

Modem Error

Check that the modem is on and functioning.

No EFT Server

Refer to the EFT server and ensure that the Host IP address is setup correctly. If terminal is using IP, then check whether the Ethernet cable is connected properly.

MAC ERROR

Perform a full logon/ RSA logon. The terminal should be able to function normally after logon. If problem persists, call the Help Desk.

TXN NOT SUPPORTED

This transaction type is not supported by this terminal.