PC-EFTPOS i5100 Operating Manual

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PC-EFTPOS

i5100

Merchant

Operating

Guide

PHONE NUMBERS.

THE FOLLOWING HELP DESK’S AND AUTHORISATION CENTRE’S ARE AVAILABLE TO YOU 24 HOURS A DAY, 7 DAYS A WEEK.

BANKSA ELECTRONIC BANKING SERVICE CENTRE

Service and Sales Support Help Desk (including stationery orders) 1300 650 977

AUTHORISATIONS - FOR FALL BACK PURPOSES ONLY

Cardlink Authorisation Centre (credit cards only) 1300 301 831

EFTPOS Help Desk (debit cards only) 1300 650 977

American Express Authorisations 1300 363 614

JCB Authorisations 1300 363 614

Diners Club Authorisations 1800 331 112

THE FOLLOWING HELP DESK IS AVAILABLE TO YOU MONDAY TO FRIDAY 8.30AM TO

10.00PM (AEST) AND SATURDAY TO SUNDAY 10.00AM TO 3.00PM (AEST).

PC-EFTPOS HELP DESK

For General PC-EFTPOS Enquiries (02) 9998 9800

MERCHANT DETAILS.

Please complete the details below for your merchant facility.

Trading name:

Merchant number:

Terminal number(s):

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1.0 Introduction ............................ 3

1.1 Merchant Responsibility for Equipment and Materials

Provided .................................. 3

1.2 Cancellation of Facility .............. 4

1.3 Damaged, Lost or Stolen

Equipment ............................... 4

1.4 Merchant Receipts ................... 4

1.5 EFTPOS Stationery ................... 4

2.0 Getting Started ....................... 5

2.1 PC-EFTPOS i5100 Terminal ....... 5

2.2 Keypad Layout ......................... 6

2.3 Connecting the PC-EFTPOS

i5100 Terminal ......................... 7

2.4 Communications ...................... 9

2.5 Terminal Conﬁguration ............ 11

2.6 Printer and Paper

Load Function ........................ 12

3.0 Passwords ............................. 13

3.1 Refund Password ................... 13

3.2 Settlement Password ............. 13

3.3 Void Password........................ 13

4.0 Procedures ............................ 14

4.1 Inserting a Chip Card .............. 14

4.2 Swiping a Magnetic

Stripe Card ............................ 15

4.3 Damaged Cards ..................... 15

4.4 PIN Entry ................................ 16

4.5 Operating Training Mode ......... 16

4.6 Switching Between Standalone Lite Mode

and Integrated Mode .............. 19

4.7 Store and Forward

Processing ............................. 21

5.0 Transaction Procedures ......... 22

5.1 How to Process a Purchase .... 22

5.2 How to Process a Purchase

with Cash Transaction ............ 25

5.3 How to Process a Cash Only

Transaction ............................ 27

5.4 How to Process a Refund ........ 29

5.5 How to Void a Transaction ...... 31

5.6 How to Process a

Sale with Tip ........................... 33

5.7 How to Process a

Tip Adjustment ....................... 36

5.8 How to Process a Mail/Telephone Order/e-Commerce

Transaction ............................ 39

5.9 How to Process a

Pre-Authorisation.................... 41

5.10 How to Process a

Pre-Authorisation Enquiry ........ 43

5.11 How to Process

a Completion ......................... 44

6.0 Reporting Functions .............. 48

6.1 Terminal Settlement ............... 48

6.2 How to Print a Pre-Settlement

Report ................................... 50

6.3 How to Reprint Last

Settlement ............................. 52

CONTENTS.

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7.0 Fall Back Sales Procedures ... 54

7.1 Electronic Fall Back ................ 54

7.2 Manual Fall Back .................... 56

8.0 Standalone Lite Mode ............ 57

8.1 Conﬁguring Standalone

Lite Mode .............................. 57

8.2 Switching Between Standalone Lite Mode

and Integrated Mode .............. 59

8.3 Standalone Lite

Function Menu ....................... 59

8.4 Terminal Logon using

Standalone Lite Mode ............ 60

8.5 Purchase using Standalone

Lite Mode .............................. 61

8.6 Cash Only using

Standalone Lite Mode ............ 62

8.7 Refund using Standalone

Lite Mode .............................. 64

8.8 Terminal Settlement using

Standalone Lite Mode ............ 65

8.9 Print a Pre-Settlement Report using Standalone

Lite Mode .............................. 66

8.10 Print a Last Settlement Report using Standalone

Lite Mode .............................. 66

8.11 Reprint the Last Transaction using Standalone

Lite Mode .............................. 67

8.12 Print a Shift Report using Standalone

Lite Mode .............................. 67

9.0 Contactless Payments .......... 67

9.1 Contactless Payments ............ 68

9.2 Getting Started ...................... 69

9.3 Transation Procedures ............ 75

10.0 Minimising Fraud ................... 79

10.1 CCV Security Codes ............... 79

11.0 Trouble Shooting ................... 81

11.1 Hardware Faults ..................... 81

11.2 Response Codes .................... 82

12.0 Glossary Of Common Terms ... 87

Contents (continued)

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INTRODUCTION

1.0 INTRODUCTION.

The PC-EFTPOS i5100 terminal enables online 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 i5100 terminal include:



Process Purchases



Process Purchases with Cash Out for Debit Cards



Process Refunds



Process Voids



Process Mail/Telephone Order Transactions (MOTO) and eCommerce (ECOM) Transactions (approved merchants only)



Process Cash Out Transactions for Debit Cards



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



Process Tips (approved merchants only)



Training Mode supported

This PC-EFTPOS i5100 Merchant Operating Guide forms part of your Agreement with the Bank.

1.1 Merchant Responsibility for Equipment and Materials Provided.

Imprinters, terminals, any other hardware or equipment and any unused stationery and promotional materials supplied by the Bank, 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 par ty.

• 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.

* American Express® is a registered trademark of American Express Company. * MasterCard

and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

* Visa

is a registered trademark of Visa Worldwide PTe Limited.

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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 EFTPOS Helpdesk on 1300 650 977. 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 Merchant Receipts.

You must retain all merchant receipts printed, in a secure manner for reconciliation and in case of terminal failure.

You must provide the customer with a receipt unless he or she requests otherwise.

1.5 EFTPOS Stationery.

All items of stationery relating to fall back procedures can be ordered by phone or online on the internet.

Please place your orders before running your stocks too low. Orders will be delivered to you within ﬁve business days.

There are no additional fees for stationery supplies.

Ordering Stationery Online

Log on to http://www.banksa.com.au/business/payment-solutions/ to order stationery online. Select ‘Order Merchant Stationery’ from the menu on the right of the page, which will direct you to the stationery order page on the BankSA website and enter the following details:

• Merchant Number (MID)

• Trading Address Postcode

then:

• Select your stationery items and quantities and follow the prompts.

Ordering Stationery By Phone

Call the EFTPOS Helpdesk on 1300 650 977 (available 24/7). Follow the prompts and use your phone keypad to enter the following details:

• Select your stationery items and quantities

then:

• Merchant Number (MID)

• Trading Address Postcode

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GETTING STARTED

2.0 GETTING STARTED.

2.1 PC-EFTPOS i5100 Terminal.

The PC-EFTPOS i5100 terminal is a complete unit that operates as a pinpad for the customer and has an internal thermal printer for fast quiet printing. The PC-EFTPOS i5100 kit includes:



an i5100 terminal



a detachable power supply and cable



a telephone cable



an RS232 serial cable (DB9 to RJ12)

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GETTING STARTED

2.2 Keypad Layout.

Account Keys: The CHQ (Cheque), SAV (Savings) and CR (Credit) keys (also

referred to as Soft Function Keys) allow the user to access the particular account type required when prompted. These keys are also used to access the terminal function menus.

Paper Feed: The FEED key performs a 20mm paper feed.

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 correct any invalid data entered. It is

also used to cycle backwards through the transaction steps if an error is made.

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

and to cycle forwards through the menus.

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

def

mno

wxy

abc

jkl

tuv

Q Z

ghi

pqr

Cancel

Clear

E N T E R

Func

Feed

CHQSAV

CHQ/SAV

(Soft Function Keys)

Function Key

Paper Feed Key

CREDIT (Soft Function Key)

Cancel Key

Clear Key

Enter Key

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GETTING STARTED

2.3 Connecting the PC-EFTPOS i5100 Terminal.

The PC-EFTPOS i5100 terminal is connected to the PC using an RS232 serial cable (DB9 to RJ12) connection.

Plug

Power Socket

Telephone Line (RJ12)

COM Port 1 (RJ12)

COM Port 2 (RJ12)

Ethernet Socket (RJ45)

Cable Management Clip

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GETTING STARTED

To connect the terminal:

1. Place the terminal on a clear, ﬂat surface close to a mains power outlet and

telephone socket. The connectors are located underneath the terminal as shown.

2. Plug the RJ12 phone connector on the curly end of the Y powered curly cord into

the socket marked

3. Plug the opposite end of the RJ12 curly cord into the telephone cable adaptor,

which inserts into the telephone wall socket (Note: This step is only required if the internal modem is being used for primary or secondary communications. Refer section 2.4, Communications for more information).

4. Plug the DC connector on the curly end of the Y powered curly cord into the

terminals power socket.

5. Plug the opposite ends DC connector into the terminals power supply.

6. Plug the RJ12 end of the serial cable into the socket on the base of the terminal

marked RS232-1 (or COM1).

7. Plug the other end of the serial cable into a COM port on the back of the PC and

secure it in place.

8. Plug the power supply into a mains power outlet.

Y Powered Curly Cord

CAB321359b

Power Cord

CAB0092

Power Supply

ALI0142

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GETTING STARTED

2.4 Communications.

The PC-EFTPOS i5100 terminal is capable of using several different methods of communication with the Bank. This will depend on the set up of your site and your preference. The PC-EFTPOS i5100 terminal supports a primary method of communication as well as secondary communication methods.

The terminal can communicate via:

• Dial up phone line (provided by your telephone service provider), using the internal

modem or a P68 modem (provided by the Bank)

• Argent ISDN (provided by Telstra)

• Internet Protocol (IP) Gateway (provided by PC-EFTPOS)

Connection to each communication method varies.

2.4.1 Dial up Connection.

The PC-EFTPOS i5100, using a dial up connection, requires the use of a dial up phone line, supplied by you and the use of the internal modem (single terminal sites) or the installation of a P68 modem (multiple terminal sites). The P68 modem (where required) is supplied by the Bank and is installed by you or your POS vendor.

The P68 modem kit includes:

• the P68 modem

• a detachable power supply and cable

• a Y powered curly cord (power and telephone cable)

• a telephone cable adaptor

• a serial cable (DB9 to RJ12)

To connect the P68 modem:

1. Place the modem on a clear, ﬂat surface close to a mains power outlet and

telephone socket. The connectors are located underneath the modem as shown.

2. Plug the RJ12 phone connector on the curly end of the Y powered curly cord into

the socket marked

3. Plug the opposite end of the RJ12 curly cord into the telephone cable adaptor,

which inserts into the telephone wall socket.

4. Plug the DC connector on the curly end of the Y powered curly cord into the

modems power socket.

5. Plug the opposite ends DC connector into the modem power supply.

6. Plug the RJ12 end of the serial cable into the socket on the base of the modem

marked RS232-1.

7. Plug the other end of the serial cable into a COM port on the back of the PC and

secure it in place.

8. Plug the power supply into a mains power outlet.

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GETTING STARTED

To connect the internal modem:

1. Plug the RJ12 phone connector on the curly end of the Y powered curly cord into

the socket marked

, if it is not already.

2. Plug the opposite end of the RJ12 curly cord into the telephone cable adaptor,

which inserts into the telephone wall socket.

3. Refer to section 8.1 for internal modem conﬁguration.

2.4.2 Argent ISDN Connection.

The Telstra Argent ISDN connection is obtained by applying for this service direct from Telstra.

The PC-EFTPOS i5100, using a Telstra Argent ISDN connection requires the installation of a Telstra On Ramp and Telstra Argent Terminal Adaptor (ATA). This is supplied and installed by Telstra.

Other equipment required:

• Serial cable (DB9 to DB9/DB25) (Note: the required cable is dependant on the

Argent ATA that has been installed and is either supplied by Telstra or you)

Base of i5100 terminal

RS232-1 RS232-2

Power

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GETTING STARTED

To connect the Telstra Argent ISDN service:

1. Plug the serial cable (DB9 or DB25 end) into the serial port on the Argent ATA and

secure it in place.

2. Plug the other end of the serial cable into a COM port on the back of the PC and

secure it in place.

3. If the connections are correct, the Argent ATA will display a steady dot on the

display panel, after a short while.

Telstra

On Ramp

Argent

Terminal

Adapter

Serial Port Com Port

Rear of PC

Serial Cable (DB9 to DB9/25)

RS232 Cable

2.4.3 Internet Protocol (IP) Gateway Connection.

The IP Gateway connection is obtained by applying for this service direct from PC-EFTPOS.

The PC-EFTPOS i5100, using the IP Gateway, requires the use of an internet connection, supplied by you; and the PC-EFTPOS IP Gateway software package, supplied by PC-EFTPOS. It does not require any additional cables or equipment. The software is installed by you, your POS vendor or PC-EFTPOS.

2.5 Terminal Conﬁguration.

Once the PC-EFTPOS i5100 terminal is connected, the Merchant ID and Terminal ID will need to be entered into the PC-EFTPOS EFT Client.

This is done via the Control Panel within PC-EFTPOS. Refer to your POS vendor or PC-EFTPOS for assistance.

COM Port COM Port

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GETTING STARTED

2.6 Printer and Paper Load Function.

The PC-EFTPOS i5100 terminal has an in-built thermal printer. To load paper:

(a) Ensure the terminal is powered on

(b) Open the paper compartment cover by pressing the button located towards the

top of the terminal, above the metal blade, as shown below.

(d) Pull the paper out slightly and close the cover.

(e) Test the operation of the printer by pressing the paper FEED button.

Paper

compartment

button

Press button in

this direction

Metal blade to

tear off paper

Paper

compartment

cover

Correct paper

position

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PASSWORDS AND CODES

3.0 PASSWORDS.

The following information describes the passwords and codes used in this guide.

Ensure that your passwords are changed regularly to prevent unauthorised use.

3.1 Refund Password.

This password is only required when the terminal is operating in standalone lite mode.

This password is a security measure to ensure only those personnel who are authorised by you (as the authorised signatory) can process refunds through your terminal.

You are responsible for protecting this password against unauthorised use. Do not key in your password in a manner that enables customers or unauthorised staff to observe the number.

3.2 Settlement Password.

This password is only required when the terminal is operating in standalone lite mode.

This password is a general security password that allows you to restrict access to the SETTLEMENT, PRE-SETTLEMENT and LAST SETTLEMENT functions. Automatic settlement does not require a password.

Access to these settlement functions can be limited at your discretion.

3.3 Void Password.

This password is a general security password that allows you to restrict access to the VOID function. Access to the void function can be limited at your discretion.

Refund, Settlement and Void passwords will have a default setting (unless nominated by you at the time of application) when you receive your terminal(s). You (as the authorised signatory) will need to contact the EFTPOS Helpdesk to change your passwords on 1300 650 977.

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PROCEDURES

4.0 PROCEDURES.

4.1 Inserting a Chip Card.

When your terminal is enabled for chip card acceptance, chip cards are inserted into the terminal and left there 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 the

transaction.

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

5. If a chip card is swiped in error, the terminal will display the message CHIP CARD

INSERT CARD.

6. If a chip card is faulty or cannot be read, the terminal will display the message

CHIP ERROR REMOVE CARD. Retry inserting the card. If the chip card still cannot be read, the terminal may display the message CHIP ERROR USE MAG STRIPE. If this occurs, swipe the card.

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PROCEDURES

4.2 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 stripe 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 a CARD READ ERROR message is

displayed, swipe the card again. You might need to swipe faster or slower.

4.3 Damaged Cards.

If a credit card will not read, when inserted in the chip card reader or when swiped, while performing a credit account transaction, the manual key process should not be used.

Warning: Where the manual key process has been used to perform a credit card transaction (contrary to the MOTO or ECOM instructions outlined in section 5.8, How to Process a MOTO/ECOM Transaction), and that transaction is subsequently disputed by the cardholder, the merchant will be liable for the amount of the transaction.

A manual fall back voucher can be used to fulﬁl the sale as per the instructions outlined in section 7.2, Manual Fall Back.

The option of completing a manual voucher ONLY applies to credit account transactions where the credit card will not read.

In the following situations, the cardholder must be referred to their card issuer and

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PROCEDURES

an alternative form of payment requested:

- Credit account transaction DECLINED

- Savings/Cheque account transaction DECLINED

- Credit/Debit card will NOT READ when performing a Savings/Cheque account

transaction.

Note: The non compliance to the above procedure will be considered a serious breach of the merchant agreement and may result in termination of your merchant facility.

4.4 PIN Entry.

There are three different PIN request messages that can be displayed on the terminal when a transaction is being processed. The display shown will depend on the card used.

The three PIN request messages are:

1. PIN AND ENTER for mandatory PIN entry

2. PIN OR ENTER for optional PIN entry

3. PRESS ENTER for no PIN entry

As the cardholder enters their PIN on the terminal, asterisk (*) characters will be displayed for each digit entered. A minimum of four and maximum of twelve digits can be entered. PIN entry is ﬁnalised by pressing the ENTER key on the terminal.

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

If an incorrect digit is entered during PIN entry, it can be cleared by pressing the CLEAR key on the terminal.

PIN entry will time out after sixty seconds if no keys are pressed.

For ofﬂine PIN on chip cards, the terminal will check the PIN attempt counter and if there is only one attempt remaining, a warning will be displayed.

4.5 Operating Training Mode.

Training mode helps you train new staff members in the operation of the terminal. Training mode can be initiated at any time during the day, from your POS, 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.

Please Note:

• Training mode is not supported when the terminal is in standalone lite mode.

• The terminal will only display **TRAINING MODE** once a transaction is

initiated.

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PROCEDURES

• The terminal will NOT revert back to live mode by itself.

• Training mode can only be enabled when there are no reversals or advices

pending.

• 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 start and operate training mode:

TERMINAL DISPLAY ACTION

READY

LOGO

hh:mm dd/mm/yy

Set the training mode ﬂag on the POS and initiate a transaction.

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 5.0. Receipts will display **TRAINING ONLY** NOT A VALID TRANSACTION on them.

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PROCEDURES

Receipt in Training Mode

MERCHANT COPY

**TRAINING ONLY**

NOT A VALID

TRANSACTION

MasterCard ………….1234 (C)

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

AID A0000000041010 TC AF6702D8211E2290

AMOUNT $2.00

TOTAL AUD $2.00

AUTH 837514

APPROVED 00

CARDHOLDER SIGN HERE

CUSTOMER COPY

**TRAINING ONLY**

NOT A VALID

TRANSACTION

MasterCard ………….1234 (C)

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

AID A0000000041010 TC AF6702D8211E2290

AMOUNT $2.00

TOTAL AUD $2.00

AUTH 837514

APPROVED 00

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PROCEDURES

To exit training mode:

TERMINAL DISPLAY ACTION

READY

LOGO

hh:mm dd/mm/yy

Remove the training mode ﬂag on the POS and the terminal is now ready to process live transactions again.

At the end of training mode all transactions will be reset and previous values are restored to batch and ROC (Record of Charge) number.

4.6 Switching Between Standalone Lite Mode and Integrated Mode.

The terminal can be switched between standalone lite mode and integrated mode. Standalone lite mode means that the terminal can operate independently of the POS. Integrated mode means that the terminal operates with the POS.

To enter standalone lite mode:

TERMINAL DISPLAY ACTION

READY

LOGO

hh:mm dd/mm/yy

Press the FUNC key.

FUNCTION:

Key in 11112222 and press ENTER.

SWITCH TO STANDALONE

MODE?

[ENTER] = YES

[CLEAR] = NO

Press the ENTER key for standalone lite mode.

LOGO

PURC CASH RFND

  

The standalone lite mode idle screen is displayed.

Note: Please refer to section 8.0, for further information about conﬁguring and

using standalone lite mode.

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PROCEDURES

To exit standalone lite mode:

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press the FUNC key.

FUNCTION:

Key in 11112222 and press ENTER.

SWITCH TO INTEGRATED

MODE?

[ENTER] = YES

[CLEAR] = NO

Press the ENTER key for integrated mode.

READY

LOGO

hh:mm dd/mm/yy

The integrated mode idle screen is displayed.

Note: Please refer to section 8.0, for further information about conﬁguring and

using standalone lite mode.

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PROCEDURES

4.7 Store and Forward Processing.

Transactions which are unable to be processed online at the time of the transaction origination will be stored and forwarded later. These transactions will be stored in the “SAF” until they can be processed.

TERMINAL DISPLAY ACTION

READY *

LOGO

hh:mm dd/mm/yy

An ‘

’ will be displayed in the top right hand

corner if SAF transactions are present.

SENDING SAF

TRANSACTIONS

This message will be displayed when the terminal is sending SAF transactions.

Note: The terminal will attempt to process stored transactions in the following instances:



Every 90 seconds when idle



After the next successful online transaction



After the terminal is logged on



Before settlement is processed

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TRANSACTION PROCEDURES

5.0 TRANSACTION PROCEDURES.

5.1 How to Process a Purchase.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a purchase transaction from the POS.

PURCHASE $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

PURCHASE $X.XX

SELECT ACCOUNT

CHQ SAV CR

Have the cardholder select their account type.

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

CREDIT $X.XX

PIN AND/OR ENTER

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

ENTER

Refer to section 4.4, for the appropriate PIN entry prompt that will be displayed.

DEBIT/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. If a debit transaction (savings or cheque) is selected, DEBIT is displayed.

REMOVE CARD

If a chip card was inserted, remove the card from the reader.

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TRANSACTION PROCEDURES

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. Otherwise press NO.

DEBIT/CREDIT SALE

APPROVED

This message will be displayed if the transaction is approved.

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. The entering of PIN on debit is mandatory.

2. If the terminal reads ‘ENTER AUTH ID’, please refer to section 7.0 (where available).

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 section 10.2, Response Codes.

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TRANSACTION PROCEDURES

Approved Purchase Receipt

(signature required)

Approved Purchase Receipt

(approved with PIN, no signature

required)

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

TOTAL AUD $........

AUTH 123456

APPROVED 00

CARDHOLDER SIGN HERE

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

TOTAL AUD $........

AUTH 123456

APPROVED 00

Remember to always check the

receipt to verify if a transaction has

been approved.

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TRANSACTION PROCEDURES

5.2 How to Process a Purchase with Cash 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 dd/mm/yy

Initiate a purchase with cash transaction from the POS.

PUR/CASH $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

PUR/CASH $X.XX

SELECT ACCOUNT

CHQ SAV

Have the cardholder select their account type.

Note: Credit is not an option.

CHEQUE $X.XX

PIN AND ENTER

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, remove the card from the reader.

DEBIT SALE

APPROVED

This message will be displayed if the transaction is approved.

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TRANSACTION PROCEDURES

Approved Purchase with Cash Receipt

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

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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 dd/mm/yy

Initiate a cash out only transaction from the POS.

CASH-OUT $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

CASH-OUT $X.XX

SELECT ACCOUNT

CHQ SAV

Have the cardholder select their account type.

Note: Credit is not an option.

CHEQUE $X.XX

PIN AND ENTER

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, remove the card from the reader.

DEBIT CASH

APPROVED

This message will be displayed if the transaction is approved.

Before completing the transaction, 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 section 10.2, Response Codes.

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TRANSACTION PROCEDURES

Approved Cash Only Receipt

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

APPROVED 00

Remember to always check the

receipt to verify if a transaction has

been approved.

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TRANSACTION PROCEDURES

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 dd/mm/yy

Initiate a refund transaction from the POS.

REFUND $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

REFUND $X.XX

SELECT ACCOUNT

CHQ SAV CR

Have the cardholder select their account type.

CREDIT $X.XX

PIN AND/OR ENTER

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

ENTER.

DEBIT/CREDIT RFND

PROCESSING

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

REMOVE CARD

If a chip card was inserted, remove the card from the reader.

VERIFY SIGNATURE

CORRECT?

If signature is required: Have the customer sign the receipt. If the signature matches the signature on the card, press YES on the POS. Otherwise press NO.

DEBIT/CREDIT RFND

APPROVED

This message will be displayed if the transaction is approved.

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TRANSACTION PROCEDURES

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.

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 section 10.2, Response Codes.

Approved Refund Receipt

(signature required)

Approved Refund Receipt

(approved with PIN,

no signature required)

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

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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 (where available).

Note:

• Debit card and pre-authorisation transactions cannot be voided.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a void transaction from the POS.

ENTER ROC NO

ON POS

This message will be displayed, if the ROC (Record of Charge) number was not entered on the POS.

Key in the ROC number of the transaction that needs adjustment on the POS and press ACCEPT.

PASSWORD Key in the void password and press ENTER.

SCANNING BATCH

PLEASE WAIT

The terminal will search for the transaction.

VERIFY VOID

CORRECT?

The transaction details will be displayed on the POS. Press YES on the POS to conﬁrm the void.

CREDIT VOID

APPROVED

This message will be displayed if the void is approved.

Before completing the void, 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 section 10.2, Response Codes.

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TRANSACTION PROCEDURES

Approved Void Receipt

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

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TRANSACTION PROCEDURES

5.6 How to Process a Sale with Tip.

This process is a sale with tip enabled. It is most commonly used by restaurants.

Note: The Tip feature needs to be enabled on the terminal.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Set the enable tip ﬂag on the POS and initiate a transaction.

PURCHASE $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

PURCHASE $X.XX

SELECT ACCOUNT

CHQ SAV CR

Have the cardholder select their account type.

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

Tips can only be added to transactions where credit has been selected.

CREDIT $X.XX

PIN AND/OR ENTER

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

ENTER.

DEBIT/CREDIT SALE

PROCESSING

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

REMOVE CARD

If a chip card was inserted, remove the card from the reader.

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. Otherwise press NO.

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TRANSACTION PROCEDURES

TERMINAL DISPLAY PROCEDURE

DEBIT/CREDIT SALE

APPROVED

This message will be displayed if the transaction is approved.

Before completing the sale, check that the initial 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 section 10.2, Response Codes.

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TRANSACTION PROCEDURES

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

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TRANSACTION PROCEDURES

5.7 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 dd/mm/yy

Initiate a tip adjustment via the POS.

ENTER ROC NO

ON POS

This message will be displayed, if the ROC (Record of Charge) number was not entered on the POS.

Key in the ROC number of the transaction that needs adjustment on the POS and press ACCEPT.

SCANNING BATCH

PLEASE WAIT

The terminal will search for the transaction.

VERIFY TIP

CORRECT?

The transaction details will be displayed on the POS. Press YES on the POS to conﬁrm the tip addition.

CREDIT TIP

APPROVED

This message will be displayed if the tip addition is approved.

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MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

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TRANSACTION PROCEDURES

Approved Tip Addition Receipt

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

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5.8 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 the EFTPOS Helpdesk on 1300 650 977.

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 eighteen months from the transaction date.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a MOTO or ECOM transaction via the POS.

ENTER CCV

ON POS

This message will be displayed if the CCV was not entered when the transaction was initiated via the POS. Key in the CCV on the POS and press

ACCEPT. Or, if the CCV is not available, just press ACCEPT.

If CANCEL is selected the terminal will return to the idle state.

Note: CCV is described in section 9.0, Minimising Fraud.

CREDIT $X.XX

PRESS ENTER

Conﬁrm the transaction amount and press ENTER.

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TRANSACTION PROCEDURES

TERMINAL DISPLAY PROCEDURE

CREDIT MOTO

PROCESSING

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

CREDIT MOTO

APPROVED

This message will be displayed if the transaction is approved.

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 section 10.2, Response Codes.

Approved MOTO Receipt

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

Note: Only a merchant copy will be printed for MOTO and ECOM transactions.

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5.9 How to Process a Pre-Authorisation.

This function is used to reserve funds 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 dd/mm/yy

Initiate a pre-authorisation transaction via the POS.

PRE-AUTH $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

CREDIT $X.XX

PIN OR ENTER

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.

REMOVE CARD

If a chip card was inserted, remove the card from the reader.

VERIFY SIGNATURE

CORRECT?

If signature is required: Have the customer sign the receipt. If the signature matches the signature on the card, press YES on the POS. Otherwise press NO.

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TRANSACTION PROCEDURES

TERMINAL DISPLAY PROCEDURE

CREDIT AUTH

APPROVED

This message will be displayed if the transaction is approved.

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 section 10.2, Response Codes.

Approved Pre-Auth Receipt

(signature required)

Approved Pre-Auth Receipt

(approved with PIN, no signature

required)

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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 08

CARDHOLDER SIGN HERE

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

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5.10 How to Process a Pre-Authorisation Enquiry.

A pre-authorisation enquiry is used to view an earlier pre-authorisation transaction.

TERMINAL DISPLAY ACTION

READY

LOGO

hh:mm dd/mm/yy

Initiate a pre-authorisation enquiry via the POS.

ENTER ROC NO

ON POS

Key in the ROC number of the transaction that you are enquiring about on the POS and select

ACCEPT.

SCANNING BATCH

PLEASE WAIT

The terminal will search for the transaction.

VERIFY AUTH

CORRECT?

The transaction details will be displayed on the POS.

Press YES on the POS to conﬁrm the transaction enquiry.

AUTH ENQUIRY

APPROVED

This message will be displayed when the preauthorisation transaction is displayed.

Note: No receipt is printed for pre-authorisation enquiry transactions.

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5.11 How to Process a Completion.

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

1. Using the ROC number from the pre-authorisation transaction.

2. Using the authorisation number of the pre-authorisation transaction

Note:

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

5.11.1 Using the ROC Number.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a completion transaction via the POS.

ENTER ROC NO

ON POS

Key in the ROC number of the transaction that needs completing on the POS and press ACCEPT.

SCANNING BATCH

PLEASE WAIT

The terminal will search for the transaction.

VERIFY CHECK-OUT

CORRECT?

The transaction details will be displayed on the POS. Press YES on the POS to conﬁrm the completion.

VERIFY SIGNATURE

CORRECT?

Have the customer sign the receipt. If the signature matches the signature on the card, press YES on the POS. Otherwise press NO.

CREDIT C/O

APPROVED

This message will be displayed if the completion 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 section 10.2, Response Codes.

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TRANSACTION PROCEDURES

Approved Completion Receipt (using ROC number)

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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 08

CARDHOLDER SIGN HERE

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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 08

Remember to always check the

receipt to verify if a transaction has

been approved.

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TRANSACTION PROCEDURES

5.11.2 Using the Authorisation Number.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a completion transaction via the POS.

ENTER ROC NO

ON POS

Leave the input data ﬁeld blank and press

ACCEPT.

ENTER AUTH NO

ON POS

Key in the authorisation number of the transaction that needs completing on the POS and press

ACCEPT.

SCANNING BATCH

PLEASE WAIT

The terminal will search for the transaction.

CHECKOUT $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

CREDIT $X.XX

PIN OR ENTER

Have the cardholder key in their PIN and press ENTER, or just press ENTER.

REMOVE CARD

If a chip card was inserted, remove the card from the reader.

VERIFY SIGNATURE

CORRECT?

Have the customer sign the receipt. If the signature matches the signature on the card, press YES on the POS. Otherwise press NO.

CREDIT C/O

APPROVED

This message will be displayed if the completion is approved.

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TRANSACTION PROCEDURES

Approved Completion Receipt (using authorisation number)

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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 08

CARDHOLDER SIGN HERE

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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 08

Remember to always check the

receipt to verify if a transaction has

been approved.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

REPORTING FUNCTIONS

6.0 REPORTING FUNCTIONS.

6.1 Terminal Settlement.

Settlement for the terminal can occur via a programmed terminal settlement (automatic settlement) either by the Bank or by the PC-EFTPOS software or by a manual settlement. Failure to perform a settlement may result in split deposits for settlements.

The terminal and POS must be powered on for settlement to occur at the programmed time.

Note: A settlement can only be performed once in a 24-hour period. You cannot settle between 9.30pm and 11.00pm (AEST).

To enable an automatic settlement:

The terminal will have a default automatic settlement time (unless nominated by you at the time of application), which can vary by business. You (as the authorised signatory) may contact the EFTPOS Helpdesk to change the default automatic settlement time.

Alternately, a scheduled task can be setup via the PC-EFTPOS EMS client, to schedule an automatic settlement time. Refer to your POS vendor or PC-EFTPOS for assistance.

To process a manual settlement:

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a settlement via the POS.

SETTLEMENT

PLEASE WAIT

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

SETTLEMENT

APPROVED

This message is displayed if the settlement is approved. A settlement report will be printed.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

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 X00*

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

* X = T if the settlement is generated by the terminal (manual or automated settlements). X = F if the settlement is generated by the host system at the bank.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

REPORTING FUNCTIONS

6.2 How to Print a Pre-Settlement Report.

This function will print a report of all transactions performed since the last settlement, without resetting the totals.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a pre-settlement via the POS.

PRE-SETTLEMENT

PLEASE WAIT

The terminal is connecting to the bank and processing the pre-settlement.

PRE-SETTLEMENT

APPROVED

This message is displayed if the pre-settlement is approved. A pre-settlement report will be printed.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

REPORTING FUNCTIONS

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

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

REPORTING FUNCTIONS

6.3 How to Reprint Last Settlement.

This function will reprint the the last settlement which has occurred.

TERMINAL DISPLAY PROCEDURE

READY

LOGO

hh:mm dd/mm/yy

Initiate a last settlement via the POS.

LAST SETTLEMENT

PLEASE WAIT

The terminal is connecting to the bank and processing the last settlement.

LAST SETTLEMENT

APPROVED

This message is displayed if the last settlement is approved. A last settlement report will be printed.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

REPORTING FUNCTIONS

Last Settlement Report

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*

* X = T if the settlement is generated by the terminal (manual or automated settlements). X = F if the settlement is generated

by the host system at the bank.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

FALL BACK SAL ES PRO CEDURES

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 host system for on-line approval has been lost or the card 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 the Bank 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 1300 301 831. Alternatively ask your customer for an alternate 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

You will be required to enter an authorisation number, which you can obtain by calling 1300 301

831.

Key in the authorisation number on the POS and press ACCEPT.

VERIFY SIGNATURE

CORRECT?

Have the customer sign the receipt. If the signature matches the signature on the card, press YES on the POS. Otherwise press NO.

CREDIT SALE

APPROVED

This message will be displayed if the transaction is approved.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

FALL BACK SAL ES PRO CEDURES

EFB Purchase Receipt

MERCHANT COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

TOTAL AUD $80.00

APPROVED *08 (P7)

CARDHOLDER SIGN HERE

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

TOTAL AUD $80.00

APPROVED *08 (P7)

Remember to always check the

receipt to verify if a transaction has

been approved.

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

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

FALL BACK SAL ES PRO CEDURES

7.2 Manual Fall Back.

The EFTPOS terminal supplied to you is very reliable and BankSA is committed to ensuring its smooth operation is maintained. Any problems should be promptly reported to the EFTPOS Helpdesk on 1300 650 977.

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

Before Performing a Fall Back Transaction:

For credit cards, if the transaction is over your credit card ﬂoor limit, call Cardlink on 1300 301 831 for authorisation.

If you are unsure of your ﬂoor limit for credit cards please call the EFTPOS Helpdesk on 1300 650 977.

For debit cards, if the transaction is over your debit card ﬂoor limit, call the EFTPOS Helpdesk on 1300 650 977 for authorisation.

If you are unsure of your ﬂoor limit for debit cards please call the EFTPOS Helpdesk on 1300 650 977.

Minimum Requirements:

You must complete all sales details on the voucher. The completed voucher must be signed by the customer and the signature compared with that appearing on the reverse of the card. If the signature does not match or you are in any doubt as to the authenticity of the cardholder, another form of payment should be sought. You must check the ‘to’ and ‘from’ dates to ensure the card has not expired. You must ensure the card is presented and imprinted.

Banking:

To ensure you receive value for your fall back vouchers, they must be banked within two business days. Vouchers can be charged back for late deposits.

Separate the completed credit vouchers from the debit vouchers. Complete an EFTPOS Merchant Summary slip for each type of voucher. Place the Summary on top of the vouchers and place each into a separate Merchant Summary Envelope.

Take the envelope(s) to BankSA and deposit them into your account as you would a cheque.

If you bank with another ﬁnancial institution, you will need to use the postal arrangements i.e. use the Reply Paid envelopes provided in your EFTPOS kit.

Retain all of your merchant copies of the fall back vouchers and the merchant summaries for a minimum of three years. These are your evidence of the transaction in case the customer later disputes it.

If you require any additional information, please contact the EFTPOS Helpdesk on 1300 650 977.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

8.0 STANDALONE LITE MODE.

Standalone lite mode is a conﬁgurable option which enables the terminal to operate independently of the POS.

The terminal will have the ability to process the following transaction types and reports when it is switched to standalone lite mode:

• Purchases

• Cash out

• Refunds

• Settlement

• Pre Settlement

• Last Settlement

• Receipt Reprint

The terminal also has the ability to use some of the standalone lite conﬁgurations when it is switched to integrated mode. These are:

• Use the internal modem of the terminal

• Use the internal printer of the terminal

8.1 Conﬁguring Standalone Lite Mode.

TERMINAL DISPLAY ACTION

READY

LOGO

hh:mm dd/mm/yy

Press the FUNC key.

FUNCTION:

Key in 11112223 and press ENTER.

INTERNAL PRINTER?

[ENTER] = YES

[CLEAR] = NO

Press ENTER to use the internal printer, or press CLEAR to use an external printer.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

USE WINDOWS

DEFAULT PRINTER?

[ENTER] = YES

[CLEAR] = NO

Press ENTER to use the Windows default printer, or press CLEAR to use another printer.

INTERNAL MODEM?

[ENTER] = YES

[CLEAR] = NO

Press ENTER to use the internal modem, or press CLEAR to use an external modem.

JOURNAL TXNS?

[ENTER] = YES

[CLEAR] = NO

Press ENTER to use Journal Transactions, or press CLEAR to continue.

PRINT SECOND

RECEIPT?

[ENTER] = YES

[CLEAR] = NO

Press ENTER to print a second copy of receipts, or press CLEAR to print one copy of receipts.

SWIPE START

TRANSACTIONS?

[ENTER] = YES

[CLEAR] = NO

Press ENTER to enable swipe start transactions, or press CLEAR to disable swipe start transactions.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

8.2 Switching Between Standalone Lite Mode and

Integrated Mode.

TERMINAL DISPLAY ACTION

READY

LOGO

hh:mm dd/mm/yy

Press the FUNC key.

FUNCTION:

Key in 11112222 and press ENTER.

SWITCH TO STANDALONE

MODE?

[ENTER] = YES

[CLEAR] = NO

Press the ENTER key for standalone lite mode.

LOGO

PURC CASH RFND

  

The standalone lite mode idle screen is displayed.

8.3 Standalone Lite Function Menu.

The standalone lite function menu enables the user to access the terminal functionality without the use of the POS.

The user can scroll between the functions by pressing ENTER.

The user can access the terminal functions, by pressing the account (soft) keys.

The diagram below illustrates the terminals standalone lite function menu structure.

LOGO

PURC CASH RFND

  

LOGO

SETL PRE LAST

  

LOGO

INIT COPY SHFT

  

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

8.4 Terminal Logon using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press ENTER until INIT is displayed.

LOGO

INIT COPY SHFT

  

Press the soft key below INIT.

INITIALISATION

PLEASE WAIT

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

LOGON

PASSED

The terminal prints the logon receipt and returns to the main menu.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

8.5 Purchase using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press the soft key below PURC.

PURCHASE AMOUNT?

$X.XX

Key in the purchase amount and press ENTER.

CASH-OUT AMOUNT?

$X.XX

If ‘Purchase with Cash’ transactions are enabled on the terminal, you can enter a cash-out amount. The cash-out amount may be left at $0.00. Press ENTER.

TOTAL AMOUNT

$X.XX

If the total amount is correct, press ENTER.

PURCHASE $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

PURCHASE $X.XX

SELECT ACCOUNT

CHQ SAV CR

Press the soft key beneath the account type needed.

CHEQUE $X.XX

PIN AND/OR ENTER

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

ENTER.

DEBIT/CREDIT SALE

PROCESSING

Displayed while the transaction is processed online to the bank. The issuer’s name (eg: MASTERCARD) is displayed on this screen.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

TERMINAL DISPLAY ACTION

VERIFY SIGNATURE

CORRECT?

If the card was inserted, remove the card from the reader.

If signature is required: Have the customer sign the receipt. If the signature matches the signature on the card, press ENTER. Otherwise press

CANCEL.

CUSTOMER COPY? Press ENTER to print customer receipt.

DEBIT/CREDIT SALE

APPROVED

This message will be displayed if the transaction is approved.

8.6 Cash Only using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press the soft key below CASH.

CASH-OUT AMOUNT?

$X.XX

Key in the cash amount and press ENTER.

TOTAL AMOUNT

$X.XX

If the total amount is correct, press ENTER.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

TERMINAL DISPLAY ACTION

CASH-OUT $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

CASH-OUT $X.XX

SELECT ACCOUNT

CHQ SAV

Have the cardholder select their account type.

Note: Credit is not an option.

CHEQUE $X.XX

PIN AND ENTER

Have the cardholder key in their PIN and press

ENTER.

DEBIT CASH

PROCESSING

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

CUSTOMER COPY? Press ENTER to print customer receipt.

DEBIT CASH

APPROVED

This message will be displayed if the transaction is approved.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

8.7 Refund using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press the soft key below RFND.

PASSWORD Key in the refund password and press ENTER.

REFUND AMOUNT?

$X.XX

Key in the refund amount and press ENTER.

TOTAL AMOUNT

$X.XX

If the total amount is correct, press ENTER.

REFUND $X.XX

PRESENT CARD

If presented with a chip card, insert the customer’s card into the chip card reader. Refer to Inserting a Chip Card in section 4.1.

OR:

If presented with a magnetic stripe card, swipe the customer’s card through the card reader. Refer to Swiping a Magnetic Stripe Card in section 4.2.

REFUND $X.XX

SELECT ACCOUNT

CHQ SAV CR

Have the cardholder select their account type.

CHEQUE $X.XX

PIN AND/OR ENTER

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

ENTER.

DEBIT/CREDIT RFND

PROCESSING

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

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

TERMINAL DISPLAY ACTION

VERIFY SIGNATURE

CORRECT?

If signature is required: Have the customer sign the receipt. If the signature matches the signature on the card, press ENTER. Otherwise press CANCEL.

CUSTOMER COPY? Press ENTER to print customer receipt.

DEBIT REFUND

APPROVED

This message will be displayed if the transaction is approved.

8.8 Terminal Settlement using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press ENTER until SETL is displayed.

LOGO

SETL PRE LAST

  

Press the soft key below SETL.

PASSWORD

Key in the settlement password and press

ENTER.

SETTLEMENT

PLEASE WAIT

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

A settlement report will be printed.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

8.9 Print a Pre-Settlement Report using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press ENTER until PRE is displayed.

LOGO

SETL PRE LAST

  

Press the soft key below PRE.

PASSWORD

Key in the settlement password and press

ENTER.

PRE-SETTLEMENT

PLEASE WAIT

The terminal is connecting to the bank and processing the pre-settlement.

A pre-settlement report will be printed.

8.10 Print a Last Settlement Report using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press ENTER until LAST is displayed.

LOGO

SETL PRE LAST

  

Press the soft key below LAST.

PASSWORD

Key in the settlement password and press

ENTER.

LAST SETTLEMENT

PLEASE WAIT

The terminal is connecting to the bank and processing the last settlement.

A last settlement report will be printed.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

STANDALONE LITE MODE

8.11 Reprint the Last Transaction using Standalone Lite Mode.

This function will reprint the receipt of the last transaction performed.

The receipt will show ** DUPLICATE RECEIPT ** printed at the top.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press ENTER until COPY is displayed.

LOGO

INIT COPY SHFT

  

Press the soft key below COPY.

The duplicate receipt will be printed.

8.12 Print a Shift Report using Standalone Lite Mode.

TERMINAL DISPLAY ACTION

LOGO

PURC CASH RFND

  

Press ENTER until SHIFT is displayed.

LOGO

INIT COPY SHFT

  

Press the soft key below SHFT.

SHIFT TOTALS

PRINTING

A shift report will be printed.

RESET

SHIFT TOTALS?

YES OR NO

Press ENTER to reset the shift totals, or press CANCEL to exit without resetting the shift

totals.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

CONTACTLESS PAYMENTS

9.0 CONTACTLESS PAYMENTS.

The ViVOtech® contactless card reader is designed to make payments faster and easier for both you and the cardholder. It enables MasterCard® PayPass™ and Visa® payWave cards to be used without being inserted into, or swiped through the EFTPOS terminal. These cards are embedded with an antenna which enables the card to be read when it is within four centimetres of the reader.

It also enables small ticket purchases to be completed without PIN or signature veriﬁcation, dependent on the rules of the card issuer.

If the cardholder does not have a contactless card, then the card will need to be inserted into, or swiped through the EFTPOS terminal, in the usual manner. Refer to section 5.0 Transaction Procedures for further instructions on transaction processing.

• MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

• Visa® is a registered trademark of Visa Worldwide PTe Limited.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

CONTACTLESS PAYMENTS

9.1 CONTACTLESS PAYMENTS.

Contactless payments are only available on credit accounts, where a MasterCard PayPass or Visa payWave card has been presented.

Contactless payment is available on the following transaction types:

• Purchase

• Refund

Contactless payment is not available on the following transaction types:

• Purchase with cash

• Cash only

• Pre-Authorisation

• Completion

• Purchase with tip

In these instances the card will need to be inserted into, or swiped through the EFTPOS terminal.

Each card will have in-built limits or restrictions regarding the amount of the transaction that can be processed on the contactless reader, without entering a PIN or providing signature veriﬁcation. If a cardholder wants to know what those limits or restrictions are, refer them to their card issuer.

The contactless reader and the EFTPOS terminal will always guide you and the cardholder as to how the transaction needs to be completed.

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

CONTACTLESS PAYMENTS

9.2 GETTING STARTED.

ViVOtech Contactless Card Reader.

The ViVOtech contactless card reader operates as a card reader only. The ViVOtech contactless card reader kit includes:

• a ViVOtech contactless card reader

• a detachable connecting cable

Detachable Connecting Cable:

Note:

The detachable connecting cable has 5 connections and is segmented into 3 major “arms” in this diagram, for easy identiﬁcation.

• Arm 1: Cables to the PC-EFTPOS i5100 terminal.

• Arm 2: Cables to the contactless reader cable.

• Arm 3: Cable to the POS PC.

RS232 Serial Port

RJ12 Connector

(COM 1)

RJ45 Connector

Power Connector

RJ12 Connector

(COM 2)

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

CONTACTLESS PAYMENTS

Connecting the ViVOtech Contactless Card Reader.

The ViVOtech contactless card reader is connected directly to the PC-EFTPOS i5100 terminal using the detachable connecting cable.

The ViVOtech contactless card reader can be connected to a PC-EFTPOS i5100 terminal which is being used in either integrated mode or standalone lite mode.

Connecting to the PC-EFTPOS i5100 Terminal using Integrated Mode.

a. Remove the cable management clip on the base of the EFTPOS terminal as shown

Cable Management Clip

b. Refer to section 2.3 Connecting the PC-EFTPOS i5100 Terminal for information regarding installation and connection of the terminal

c. Remove the RS232 serial cable from the RS232-1 port on the base of the terminal. Insert this same RS232 serial cable into the RS232 serial port on the contactless detachable connecting cable (Arm 3).

Base of i5100 terminal

RS232-1 RS232-2

Power

PC-EF TP OS i5100 M ERCH ANT O PERATING GUI DE

CONTACTLESS PAYMENTS

d. Insert the RJ12 connector (COM 1) on the contactless detachable connecting cable (Arm 1), into the RS232-1 port on the base of the terminal.

e. Insert the RJ12 connector (COM 2) on the contactless detachable connecting cable (Arm 1), into the RS232-2 port on the base of the terminal.

f. Insert the RJ45 connector on the contactless detachable connecting cable (Arm 2), into the RJ45 port on the contactless reader cable.

Contactless Reader Cable

RJ45 Connector

Power Port

Power Connector

RJ45 Port

Detachable Connecting Cable

(Arm 2)

g. Insert the power connector on the contactless detachable connecting cable (Arm 2), into the power port on the contactless reader cable.

h. The contactlesss card reader will power up and display WELCOME on the screen.

i. Re-insert the cable management clip on the base of the EFTPOS terminal to keep the cables in place.

RJ12 Connector (COM 1)

RJ12 Connector (COM 2)

Detachable Connecting Cable (Arm 1)

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Connecting to the PC-EFTPOS i5100 Terminal using Standalone Lite Mode.

a. Remove the cable management clip on the base of the EFTPOS terminal as shown.

Cable Management Clip

b. Refer to section 2.3 Connecting the PC-EFTPOS i5100 Terminal for information regarding installation and connection of the terminal.

c. If the RS232 serial cable is connected to the base of the terminal, remove it from the RS232-1 port. Insert this same RS232 serial cable into the RS232 serial port on the contactless detachable connecting cable (Arm 3). (Note: The RS232 serial cable may or may not be connected, when the terminal is using standadalone lite mode).

Base of i5100 terminal

RS232-1 RS232-2

Power

d. Insert the RJ12 connector (COM 1) on the contactless detachable connecting cable (Arm 1), into the RS232-1 port on the base of the terminal.

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Connecting the ViVOtech Contactless Card Reader.

The ViVOtech contactless card reader is connected directly to the PC-EFTPOS i5100 terminal using the detachable connecting cable.

The ViVOtech contactless card reader can be connected to a PC-EFTPOS i5100 terminal which is being used in either integrated mode or standalone lite mode.

Connecting to the PC-EFTPOS i5100 Terminal using Integrated Mode.

a. Remove the cable management clip on the base of the EFTPOS terminal as shown

Cable Management Clip

b. Refer to section 2.3 Connecting the PC-EFTPOS i5100 Terminal for information regarding installation and connection of the terminal

Base of i5100 terminal

RS232-1 RS232-2

Power

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d. Insert the RJ12 connector (COM 1) on the contactless detachable connecting cable (Arm 1), into the RS232-1 port on the base of the terminal.

e. Insert the RJ12 connector (COM 2) on the contactless detachable connecting cable (Arm 1), into the RS232-2 port on the base of the terminal.

f. Insert the RJ45 connector on the contactless detachable connecting cable (Arm 2), into the RJ45 port on the contactless reader cable.

Contactless Reader Cable

RJ45 Connector

Power Port

Power Connector

RJ45 Port

Detachable Connecting Cable

(Arm 2)

g. Insert the power connector on the contactless detachable connecting cable (Arm 2), into the power port on the contactless reader cable.

h. The contactlesss card reader will power up and display WELCOME on the screen.

i. Re-insert the cable management clip on the base of the EFTPOS terminal to keep the cables in place.

RJ12 Connector (COM 1)

RJ12 Connector (COM 2)

Detachable Connecting Cable (Arm 1)

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9.3 TRANSACTION PROCEDURES.

How to Process a Sale.

No PIN or Signature Veriﬁcation Required.

If the transaction meets the card issuer requirements, no PIN will need to be entered and/or no signature will be required to complete the transaction.

Contactless Reader Display

Terminal Display Procedure

WELCOME

READY

LOGO

hh:mm dd/mm/yy

Initiate a PURCHASE transaction via the POS.

PRESENT CARD

$XX.XX

PURCHASE $XX.XX

PRESENT CARD

The cardholder can hold/ tap their card on the contactless card reader.

PROCESSING

ONLINE

CARD SALE

PROCESSING

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

TRANSACTION

APPROVED

CARD SALE

APPROVED

This message is displayed when the transaction is approved.

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PIN or Signature Veriﬁcation Required.

If the transaction does not meet the card issuer requirements, a PIN will need to be entered and/or a signature will be required to complete the transaction.

Contactless Reader Display

Terminal Display Procedure

WELCOME

READY

LOGO

hh:mm dd/mm/yy

Initiate a PURCHASE transaction via the POS.

PRESENT CARD

$XX.XX

PURCHASE $XX.XX

PRESENT CARD

The cardholder can hold/ tap their card on the contactless card reader.

PIN OR ENTER

ON TERMINAL

CREDIT $XX.XX

PIN OR ENTER

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

PROCESSING

ONLINE

CARD SALE

PROCESSING

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

SIGNATURE

REQUIRED

VERIFY SIGNATURE

CORRECT?

If signature is required: Have the customer sign the receipt. If the signature matches the signature on the card, press the soft key next to YES, or press ENTER.

(NO or CANCEL will cancel the transaction).

TRANSACTION

APPROVED

CARD SALE

APPROVED

This message is displayed when the transaction is approved.

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How to Process a Refund.

The card issuer will determine if a PIN will need to be entered and/or a signature will be required to complete the transaction.

Contactless Reader Display

Terminal Display Procedure

WELCOME

READY

LOGO

hh:mm dd/mm/yy

Initiate a REFUND transaction via the POS.

PRESENT CARD

$XX.XX

REFUND $XX.XX

PRESENT CARD

The cardholder can hold/ tap their card on the contactless card reader.

PIN OR ENTER

ON TERMINAL

CREDIT $XX.XX

PIN OR ENTER

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

PROCESSING

ONLINE

CARD RFND

PROCESSING

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

SIGNATURE

REQUIRED

VERIFY SIGNATURE

CORRECT?

If signature is required: Have the customer sign the receipt. If the signature matches the signature on the card, press the soft key next to YES, or press ENTER.

(NO or CANCEL will cancel the transaction).

TRANSACTION

APPROVED

CARD RFND

APPROVED

This message is displayed when the transaction is approved.

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Card Read Error.

If the reader cannot read the card correctly when it is tapped, the cardholder may be prompted to insert/swipe the card on the terminal.

Contactless Reader Display

Terminal Display Procedure

WELCOME

READY

LOGO

hh:mm dd/mm/yy

Initiate a PURCHASE transaction via the POS.

PRESENT CARD

$XX.XX

PURCHASE $XX.XX

PRESENT CARD

The cardholder can hold/ tap their card on the contactless card reader.

RETRY CARD

TAP

READER ERROR

PRESENT CARD

This message will be displayed if there is an error reading the card.

The cardholder can hold/ tap their card on the contactless card reader again.

NO CONTACTLESS

INSERT/SWIPE

CARD

READER ERROR

INSERT/SWIPE CARD

If the error re-occurs, the cardholder will be prompted to insert/swipe their card on the terminal.

Continue processing the transaction using the terminal.

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MINIMISING FRAUD

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10.0 MINIMISING FRAUD.

At BankSA, 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.

Additional fraud prevention information is available on the banksa website at:

http://www.banksa.com.au/business/payment-solutions/

10.1 CCV Security Codes.

What is CCV?

The three or four digit value printed on a payment card, used to verify card-notpresent 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 do not have a CCV code.

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

4000 0 012 34 56 7890 123

AUTHORISED SIGNATURE

NOT VALID U NLES S SIGNE D

CCV

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Where Can I Find the CCV Security Code?

Some cards, for example MasterCard and Visa, have a three-digit CCV printed on the signature panel on the reverse side of the card. Other numbers may precede the CCV. The last three digits on the signature panel 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. They must remain secret. You must not write them down or save them electronically. Doing so might 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.

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11.0 TROUBLE SHOOTING.

11.1 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 the Helpdesk if the problem persists.

Terminal not reading cards

1. Re-insert/swipe the card as per instructions in section 4.0.

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

3. Power on the terminal.

4. Retry the transaction.

5. Call the Helpdesk if the problem persists.

Paper jamming

Not feeding

Not printing

1. Remove the paper roll from the printer to ensure that there is no paper caught.

2. If the existing paper roll is damaged in any way then replace this with a new roll.

3. If the problem continues power off the terminal for 10 seconds.

4. Power on the terminal.

5. If the terminal is using standalone lite mode, initialise the terminal by pressing ENTER until INIT is displayed as one of the options. Press the select key directly beneath INIT.

6. The terminal should print a logon receipt. This will conﬁrm if the printer is operational.

7. Re-test the printer using the FEED button.

8. Call the Helpdesk if the problem persists.

Response Code Location

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11.2 Response Codes.

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

CUSTOMER COPY

BANKSA TEST LAB 97 KING WILLIAM STREET ADELAIDE SA 5000

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

Remember to always check the

receipt to verify if a transaction has

been approved.

Where your terminal displays a response code not listed in this guide, and you use an electronic terminal supplied by us, you should phone the EFTPOS Helpdesk on 1300 650 977 for clariﬁcation.

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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 authorisation centre then complete manual sales voucher if approved

02 CALL FOR AUTH • Unable to obtain electronic authorisation

• Call for authorisation from appropriate authorisation centre then complete manual sales voucher if approved

03 INVALID PPID • Contact the Helpdesk

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 card issuer

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

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Code Display Cause/Action

30 FORMAT ERR CALL

HELPDESK

• Power the terminal off and on and retry the transaction

• Contact the Helpdesk 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 card issuer

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 card issuer

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 card issuer

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

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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 card issuer

90 PLEASE RETRY • Retry the transaction

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

• Advise cardholder to contact card issuer

91 ISSUER NOT AVAILABLE • Bank is unavailable; retry the transaction

• If the transaction is declined again follow manual fall back procedures as explained in section 7.2

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 (AEST)

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

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GLOS SARY OF COMM ON TER MS

Code Display Cause/Action

98 SYSTEM ERROR • Turn terminal off, then back on, and retry

the transaction

• Contact the Helpdesk if the problem persists

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 card issuer

TL DECLINED TL • Signature error

XO DECLINED TIME OUT • Retry the transaction

• Contact the Helpdesk if the problem persists

X7 CANCELLED SYSTEM

ERROR

• Retry the transaction

• Contact the Helpdesk 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

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NOTES

12.0 GLOSSARY OF COMMON TERMS.

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 ECOM).

Charge Card American Express (AMEX), Diners Club or Japanese

Credit Bureau (JCB).

Credit Card MasterCard or Visa.

Debit (EFTPOS) 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 host 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) Number

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

• An EFTPOS receipt printed from your POS or terminal.

• Your merchant statement.

• The metal plate on your manual imprinter.

ROC Number The ‘Record of Charge’ number found on your terminal receipt.

Terminal (ID) Number An eight digit number that identiﬁes your EFTPOS terminal.

The terminal ID can be found on any transaction receipt or EFTPOS report printed from your POS.

Notes

Information contained in this brochure was correct at time of printing (December 2011) and is subject to change.

BankSA – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ACL 233714.

BSA04037 (10/14)

PC-EFTPOS i5100 Operating Manual

Specifications and Main Features

Frequently Asked Questions

User Manual