
Verifone VX520+Vx805 
CTLS Payment Terminal 
Manual
 
 

This payment terminal manual is for merchants to provide them with secure processing of 
card payments via the payment terminal. 
This manual constitutes an integral part of the Payment Cards Service Agreement and the 
Payment Terminal Rental Agreement and, by signing these agreements, the Merchant 
agrees to follow the terms and conditions set out in this manual. 
Table of contents 
Keypad features
 ..................................................................................................................... 3 
Chip card transactions
 ........................................................................................................... 4 
Contactless card
 transactions ................................................................................................ 6 
Swipe card transactions
 ........................................................................................................ 8 
Response codes in the event of transaction failure
 ............................................................ 10 
Transaction revocation
 ........................................................................................................ 12 
Printing out a copy of the receipt
 ........................................................................................ 14 
Closing a day
 .......................................................................................................................... 15 
Messages appearing on the screen
 .................................................................................... 16 
Switching the paper roll
 ...................................................................................................... 17 
Technical support
• Assistance with issues related to card transactions: ph. 67 444 444; e-mail: poshelp@swedbank.lv 
• Technical assistance: ph: 67 25 1111; fax: 67 844 702; e-mail: palidziba@verifone.com 
Problems reported outside business hours are registered and dealt with as soon as possible 
(normally the following business day). 
 
 

Keypad features
Paper roll switching (button for 
opening plastic cover) 
Sending transactions 
Sale transaction cancellation 
Receipt copy printing 
Cancel key 
Backspace key 
Enter key 
Swipe reader 
Signal receiver 
Cancel key 
Correct the PIN 
Confirm the PIN entered 
Chip card reader 
 
 

Chip card transactions
Attention! 
When paying with a chip card, make sure to use the chip. 
Verifone VX520+Vx805 CTLS Payment Terminal
Message on 
terminal screen 
(Vx520) 
Message 
on PIN pad screen 
(Vx805) 
Action 
Enter the sum 
0.00 EUR 
Insert the card 
Enter the sum 
10.00 EUR 
Please wait  Enter the sum of the terminal transaction in cents (e. g. if the sum of the transaction is 
10.00 EUR, enter 1,000) 
To confirm the sum, press the green key   
To correct the sum, press the yellow key   
To cancel, press the red key   
Processing 
Insert the card 
Insert the card 
10.00 EUR 
Ask the client to insert the card into the card reader. 
Enter 
PIN... 
PIN OK 
Connection 
Connected 
Sale 
10.00 EUR 
Enter PIN: 
PIN OK 
Connection 
Connected 
Please wait 
Ask the client to enter their card’s PIN on the PIN pad. To confirm the 
sum, press the green key   
To correct the PIN, press the yellow key   
To cancel the transaction, press the red key   
If the correct PIN has been entered, the terminal will connect to the bank 
Transaction 
approved 
Approved 
Remove the 
card 
Print a copy? 
Yes F3 
No F4 
Transaction 
approved 
Terminal will print out receipts. After the first receipt is printed out, tear it off. 
To reprint the receipt faster, press the green key   or F3   
To renounce the reprint, press F4   
Remove the card  Ask the client to remove the card from the card 
reader. 
 
 

• The first copy of the receipt remains with the merchant, 
the second one is handed to the buyer.
• In the case the chip card transaction fails and the terminal 
screen displays “Use a swipe card”, perform the 
transaction according to the swipe card transactions 
instructions.
• In exceptional circumstances, the chip card may not 
require entering of the PIN, in this case the terminal will 
print a receipt which has fields for signature and document 
number.
Transaction types: 
T0 – on-line transaction (card number is entered 
manually) 
 T1 – on-line transaction (card is read via card reader) 
T2 – off-line transaction (card number is entered 
manually) 
T3 – off-line transaction (card is read via card reader) 
Attention! 
The terminal will print out the receipt if the authorisation 
centre receives a positive response code. Otherwise, the 
transaction will not be saved and the terminal will issue an 
error message showing response codes and instructions for 
further actions. 
NB! Make sure the transaction is approved on the receipt.
Name of the point of sale 
Address of the point of sale 
Card number (four last numbers are visible) 
Confirmation upon sucessful payment 
 
 

Contactless card 
transactions
Verifone VX520+Vx 805 CTLS Payment Terminal
Message on 
terminal screen 
(Vx520) 
Message 
on PIN pad 
screen (Vx805)
Action 
Enter the sum 
0.00 EUR 
Insert the card  Terminal is in standby mode and a green light is flashing on the PIN pad 
(Vx805). Enter the sum of the terminal (Vx520) transaction in cents (e. g. if 
the sum of the transaction is 
10.00 EUR, enter 1,000). 
Press the green key  . After entering the sum, one green light will be on 
on PIN pad. 
To correct the sum (one character at a time), press the yellow key   
To cancel the transaction, press the red key   
Card 
transaction 
10.00 EUR Use 
the card 
Use the card 
10.00 EUR 
Ask the client to place the card on the signal receiver of PIN pad until a 
beeping sound is heard. 
Reading the card 
Successful 
Remove the card 
Reading the card 
Successful 
Remove the card 
The card has been successfully read if four lights turn on and the device 
produces a sound indicating successful reading of the card. 
Print a copy? 
Yes F3 
No F4 
Transaction 
approved 
Terminal will print out receipts. After the first receipt is printed out, tear it off. 
To reprint the receipt faster, press the green key   or F3   
To renounce the reprint, press F4   
 
 

• In the case the transaction exceeds a certain limit for some 
bank cards, the terminal may require the signature of the 
client, and the merchant must verify the signature on the 
back side of the card.
 If the signature is authentic, press 
the green key  on the terminal . 
If the signature is not 
authentic, the goods cannot be sold to the client and the 
transaction must be cancelled by pressing the red key  . 
Transaction types: 
T1 – on-line transaction (card is read via card reader) 
T3 – off-line transaction (card is read via card reader) 
 
If the contactless card transaction exceeds the allowed 
transaction limit (10 EUR), the PIN pad (Vx805) will prompt 
the card to be inserted in the card reader and a chip card 
transaction will be performed (see “Chip card transactions).
• The first copy of the receipt remains with the merchant, the second 
one is handed to the buyer.
Attention! 
The terminal will print out the receipt if the authorisation 
centre receives a positive response code. Otherwise, the 
transaction will not be saved and the terminal will issue an 
error message showing response codes and instructions for 
further actions. 
NB! Make sure the transaction is approved on the receipt.
Name of the point of sale 
Mark of contactless transaction 
 
 

Swipe card transactions
Verifone VX520+Vx805 CTLS Payment Terminal
Message on 
terminal screen 
(Vx520) 
Message 
on PIN pad screen 
(Vx805) 
Action 
Enter the sum 
0.00 EUR 
Insert the card 
Enter the sum 
10.00 EUR 
Please wait  Enter the sum of the terminal (Vx520) transaction in cents (e. g. if the sum of the transaction is 
10.00 EUR, enter 1,000) 
To confirm the sum, press the green key   
To correct the sum, press the yellow key   
To cancel, press the red key   
Processing 
Insert the card 
Insert last 4 
card digits 
Use the card 
10.00 EUR 
Please wait 
Ask the client to present the card and swipe it in the terminal (Vx520 – 
right side). 
Enter in the terminal (Vx520) last 4 card digits. To confirm, press the green key  To correct the 
card number before conformation press the yellow key  . To cancel, press the red key   
Connection 
Connected 
 Connection 
Connected 
Please wait 
Transaction 
approved 
Approved 
Remove the 
card 
Print a copy? 
Yes F3 
No F4 
Transaction 
approved 
To reprint the receipt faster, press the green key   or F3   
To renounce the reprint, press F4   
 
 

• The person must be identified according to card 
acceptance requirements.
• The first copy of the receipt belongs to the seller, the next one to the buyer.
Transaction types: 
T0 – on-line transaction (card number is entered 
manually) T1 – on-line transaction (card is read via 
card reader) 
T2 – off-line transaction (card number is entered 
manually) T3 – off-line transaction (card is read via 
card reader) 
Notes: 
The terminal will print out the receipt if the authorisation 
centre receives a positive response code. Otherwise, the 
transaction will not be saved and the terminal will issue an 
error message showing response codes and instructions for 
further actions. 
NB! Make sure the transaction is approved on the receipt!
Name of the point of sale 
Address of the point of sale 
Card number (four last numbers are visible) 
Buyer’s signature (verify conformity to the signature on 
the back side of the card) 
Number of the presented document (filled in manually) 
 
 

Response codes 
in the case of transaction failure
Verifone VX520+Vx805 CTLS Payment Terminal
Message Verbal explanation of the code 
1xx
  If the terminal prints a code starting with 
number “1”, 
the card transactions are declined.
The card must be returned to the client.
100 Declined
101 Card expired
102 Suspected card counterfeit 
104 Limited card
105 Contact customer support by phone 6 132 300
107 Contact customer support by phone 6 132 300 
109 Invalid merchant.
Contact customer support by phone 6 132 300
110 Wrong amount (too large)
111 Invalid card number
112 PIN required
116 Insufficient funds
118 Unknown card
119 Transaction is not allowed for card holder
120 Transaction is not allowed for payment terminal
121 Limit exceeded
123 Exceeds withdrawals time limit
125 Card is not working
 
 

Verifone VX520+Vx805 CTLS Payment Terminal
Verifone VX520+Vx805 CTLS Payment Terminal
Verbal explanation of the code
Verbal explanation of the code
If the terminal prints a code starting with 
number “2”, the card is misused.
Transaction cannot be performed.
Card must be confiscated, if possible.
Declined
9xx If the terminal prints a code starting with number 
“9”, there’s a system error preventing 
performance of the transaction.
Contact customer support by phone 
6 132 300.
False transaction
System error.
202 Suspected card counterfeit
Contact customer support by phone 67251111
203 Card is no longer valid
905 No response from card issuer
907 No connection to the card issuer
911 No response from card issuer
Contact customer support by phone 67251111
 
 

Transaction revocation
Verifone VX520+Vx805 CTLS Payment Terminal
Message on terminal (Vx520) screen  Action 
Enter the sum 
0.00 EUR 
Press the purple key REV   
Receipt no. 
*** 
Enter the number of the receipt you wish to revoke and press the green key 
NB! The terminal shows by default the number of the last printed receipt. 
Card no..:...**** 
10.00 EUR 
Yes F3 
No F4 
To revoke the transaction, press key F3   
To wave transaction revocation, press key F4   
In the case of chip card transaction
Insert the card  Insert the client’s card to the chip reader on PIN pad 
In the case of swipe card transaction
Use magnetic strip  Pass the client’s card through the card reader 
Connecting 
Connected 
Transaction 
approved 
Print a copy? 
Yes F3 
No F4 
Terminal will print out receipts. After the first receipt is printed out, tear it off. 
To reprint the receipt faster, press the green key   or F3   
To renounce the reprint, press F4   
Remove the card  Return the card to the client. 
 
 

Sample of chip chip card transaction Sample of swipe card transaction  Sample of contactless card transaction
In the case the revocable transaction was completed using 
automated verification, the terminal will connect to the 
authorisation centre and revoke the transaction. 
Notes: 
• Transaction revocation is only possible for the full 
amount until transactions are sent to the bank (by 
default, the terminal sends transactions to the bank 
once a day).
• In the event the terminal displays the message 
“TRANSACTION NOT FOUND”, it means that transaction 
with the entered number has not been performed that day. 
The transaction was probably completed on the previous 
day, or transactions have already been sent to the bank, or 
the transaction has already been revoked.
• In order to revoke such transaction, the data of the 
transaction must be sent to Swedbank AS 
poshelp@swedbank.lv 
 
 

Printing out a copy of the receipt
Verifone VX520+Vx805 CTLS Payment Terminal
Message on terminal screen
Enter the sum
0.00 EUR 
Press the purple key COP 
Last copy F2
Receipt copy F3 
Other copies F4
By pressing key F2 
, 
the terminal prints the copy of the last transaction. 
By pressing key F3  , the terminal automatically shows the number of the lastly 
printed receipt.
If necessary, enter the appropriate receipt number.
To print out receipts, press the green key 
Receipt copy?
Yes F3 
No F4
Terminal will print out receipts. After the first receipt is printed out, tear it off.
To reprint the receipt faster, press the green key   or F3 
To renounce the reprint, press F4 
 
 

Closing a day
Automatic transfer of transactions
   Manual transfer of transactions 
Transactions completed during a day can be transferred 
 to the bank either automatically or manually.
Automatic transfer will be activated at the time configured for 
the terminal. 
If automatic transfer fails 
Transfer the transactions manually or wait for the next 
automatic transfer (in this case transactions that failed to be 
sent will also be transferred this time). 
Should transfer of transactions fail again during the 
next automatic transfer, contact Verifone Baltic SIA 
67251111.
Verifone VX520+Vx805 CTLS Payment Terminal
Message on terminal screen
Send F2
By transactions F3 
Register F4
To transfer transactions, 
press F2   
By pressing F3  , the 
terminal prints the 
transaction report 
without transferring data 
to the bank.
Report transfer 
Connected
Terminal will print receipt for 
sent report. 
The terminal issues a response on the transfer report, indicating 
the number and total amount of completed transactions. To 
confirm successful transfer of transactions, the terminal prints 
the response on the transfer report: “SENDING TRANSACTIONS 
OK”. 
 
 

Messages displayed on the screen
Messages displayed upon conducting and revoking payment transactions 
Message on terminal screen
Card error Transaction cannot be conducted, follow on-screen instructions. If this error 
occurs repeatedly, please contact Verifone Baltic SIA 67251111
Reading the card failed. Try again.
This card is not among the accepted cards.
The revocable transaction is not found in the terminal’s memory.
A transaction that has already been revoked cannot be revoked again; also, 
transactions already sent to the bank cannot be revoked.
Invalid PIN The buyer has entered the wrong PIN
When the client enters invalid PIN
If a client enters invalid PIN three times, the card must be 
confiscated. The card may only be returned to the card holder 
after identifying them on the basis of an identification 
document. The person returning the card must make sure they 
are dealing with the correct person. The data of the card holder 
and the presented document must be recorded on the error 
code receipt printed out by the terminal. 
Attention! 
• Make sure to timely replace the receipt paper.
• Use only appropriate thermal paper in the terminal’s 
printer.
• Do not connect any cables when the terminal is connected 
to the mains.
• Do not place the terminal in a too warm, cold or 
moist location.
• Do not place the terminal in a location where it could 
get wet or dusty.
• Use a cloth dampened with alcohol to clean the surface 
of the terminal.
• Use a special cleaning card to clean the terminal’s card 
reader.
• In the case of a fault, do not repair the terminal 
yourself – call a technician 67251111
• In the case the chip card transaction fails and the terminal 
prompts you to use the magnetic stripe, perform the 
transaction according to the swipe card transactions 
instructions.
• Keep the terminal connected to the mains to enable 
the terminal to automatically send the transactions 
to the bank to close the day.
 
 

First press the key on the side of the terminal
to open the paper roll cover and lift it up as shown on the 
illustration. Remove the empty paper roll from the printer.
Close the terminal cover by pressing it gently until it 
clicks. A small amount of paper must extend outside the 
printer. Cut the paper with the metal strip on the printer.
Switching the paper roll
A special thermal paper roll with a width of 57 mm and a 
diameter of up to 50 mm is used in the terminal. 
When the paper roll is nearing its end, a coloured indicator strip 
becomes visible indicating that the printer is about to run out of 
paper. If the strip appears, it means that the printer has enough 
paper for one more receipt. 
Slightly unwind the new paper roll and remove the protective 
strip from the edge, if required. Place the new paper roll so 
that the paper moves from the bottom of the roll towards the 
front edge. Leave a small amount of paper to extend outside 
the printer door. 
Attention! 
Poor quality paper can jam the printer and create excessive 
paper dust. Thermal paper must be stored in a dry and dark 
place. Moisture, temperature, friction, liquids, etc. can affect 
the characteristics of the paper. Do not place a paper roll with 
wrinkled, wet or damaged paper in the printer.