Professional Documents
Culture Documents
guide to
PC-EFTPOS
i3070.
i3070
User Guide
Contact details
Westpac Merchant Business Solutions Help Desk
Service, Sales and Support
Terminal Difficulties
132 415
(24 hours a day, 7 days a week)
JCB Authorisations
Merchant details
Please complete the details below for your merchant facility.
Trading name:
Merchant number:
If your terminal is enabled for Electronic Fallback (EFB) transactions your floor limit is:
$ for credit card transactions
$ for debit card transactions
Contents
1.0
Introduction................................... 2
1.1
1.2
5.7
5.8
How to Process a
Pre-Authorisation........................... 30
Cancellation of Facility.................... 3
5.9
1.3
1.4
Transaction receipts........................ 3
2.0
Getting Started.............................. 4
3.0
Passwords...................................... 9
4.0
Procedures................................... 10
4.1
Terminal Activation........................ 10
Reporting Functions.................... 37
6.1
Terminal settlement....................... 37
6.2
Funds settlement........................... 40
6.3
Pre-settlement............................... 40
6.4
7.0
4.1.2 Logon............................................. 10
7.1
4.2
7.2
4.3
8.0
Minimising fraud.......................... 46
4.4
8.1
4.5
Trouble shooting.......................... 48
5.0
Transaction Procedures...............15
9.1
Hardware faults............................. 48
5.1
9.2
Response codes............................. 49
5.2
5.3
5.4
5.5
5.6
1.0 Introduction
The PC-EFTPOS i3070 terminal allows transactions to be processed for Debit Cards (Savings
and Cheque accounts), Credit Cards (Visa and MasterCard) and Charge Cards (American
Express, Diners Club and JCB). To accept Charge Card transactions please contact the
Charge Card provider.
The features of the PC-EFTPOS i3070 terminal include:
Process Purchases
Process Refunds
Process Voids
1.1
Imprinters and terminals (where supplied by us), plus any unused stationery and promotional
material remain the property of the Bank.
You shall not part with possession of them to a third party or give access to a third party.
You must ensure that the terminals are covered by your business or contents insurance.
INTRODUCTION
1.2
Cancellation of Facility
If your merchant facility is cancelled for any reason, this equipment and materials must
be returned to us. To make arrangements for return call the Westpac Helpdesk on
1800029749. 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
asinstructed.
1.3
You are responsible for your equipment. If equipment is damaged, lost or stolen, you will be
charged for their replacement.
1.4
Transaction receipts
You need to retain all transaction receipts printed on POS for at least 12 months after the
date of the transaction; in secure manner for reconciliation and in case of terminal failure.
Refer to Section 14.0 Records in the Merchant Business Solutions Card Acceptance by
Business brochure.
You must provide customer with a receipt unless they request otherwise.
INTRODUCTION
The PC-EFTPOS i3070 terminal operates as a card reader and as a PINpad for the cardholder.
The PC-EFTPOS i3070 kit includes:
2.2
Keyboard Layout
Account Selection
Keys
CHQ
1
QZ
abc
ghi
pqr
Fe
ed
5
jkl
tuv
CR
SAV
Ca
Cl
def
nc
el
Cancel Key
Clear Key
ea
mno
wxy
Func
E
N
T
E
R
Enter Key
Function key
GETTING STARTED
Account Selection
Keys:
Mag Stripe
Reader:
Cancel key:
The CANCEL key is used to cancel the current function and return the
terminal to the idle state.
Clear key:
The CLEAR key is used to clear data entered into the terminal via
thepinpad.
Enter key:
Function Key:
Chip Card
Reader:
To insert a Chip card with Chip facing upwards and chid side towards
the terminal.
2.3
The PC-EFTPOS i3070 can use various methods to communicate with the bank depending on
your set up at site. The terminal can be connected via IP (using PC-EFTPOS Communications
gateway), a dial-up modem (P66, P67 or P68) or Argent ISDN. Depending on which
communication method is used, the terminal is connected in different ways.
GETTING STARTED
PROCEDURE
READY
LOGO
hh:mm:ss
FUNCTION
xxxxxxxx
CHANGE TO USB?
[ENTER] = YES
[CLEAR] = NO
5. Ensure that EFTClient points to the correct COM Port mentioned in Step 3 so that the
PIN Pad will be detected by PC. The status on EFTClient should be PINPAD Online
GETTING STARTED
2.3.1 IP
You will need to download PC EFTPOS Communications Gateway. Contact PC EFTPOS
to gain access to this. Other than an internet connection, there is no need for any other
connections to the pinpad or PC.
Phone
Socket
Dial Up Line
Rear of P66 Modem
LAN
Phone Line
Modem
Cable
Power
RS232/USB
Cable
Rear of PC
Com Port
Com Port
GETTING STARTED
Telstra
On Ramp
Argent
Terminal
Adapter
Modem
Cable
RS232
Cable
Rear of PC
Serial Port
Com Port
GETTING STARTED
3.0 Passwords
3.1
VOID Password
Your terminal is programmed with a password which is required for Voids. The void password
will have a default setting when you receive your terminal(s). You (as the authorised
signatory) will need to contact the Westpac Merchant Helpdesk to change your password.
The password can be changed at any time by contacting Merchant Business Solutions on
1800 029 749.
Ensure that your password is changed regularly to prevent unauthorised use.
You are responsible for protecting this password against unauthorised use.
3.2
Terminal Functions
The following function has been included for enabling/disabling merchant copies of a receipt:
Function 11115555
PASSWORDS
4.0 Procedures
4.1
Terminal Activation
4.1.2 Logon
Please refer to your POS (Point of Sale) user guide for instructions on Logon procedures.
4.2
Chip cards need to be inserted into the i3070 terminal for the duration of the transaction.
The chip card reader is located at the bottom of the terminal below the keypad.
10
PROCEDURES
4.3
4.4
In the event that a card cannot be inserted or swiped, the card details may be entered
through the POS system or PIN Pad to complete the transaction. Manual input of card data
available when enabled on terminal and only valid for credit card transaction.
To manually capture card details which entered through PIN Pad:
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
PURCHASE
PRESENT CARD
PURCHASE
$X.XX
ENTER CARD#
PROCEDURES
11
TERMINAL DISPLAY
PROCEDURE
PURCHASE
$X.XX
CARD EXP
MM/YY
MM/YY
ENTER CCV
4.5
Training mode helps you train new staff members in the operation of the terminal. Training
Mode can be initiated from your POS system whenever the terminal is in a ready state
without affecting live value totals. During Training Mode the terminal will not connect to the
Host but will perform all transactions offline. Transactions performed in Training Mode will
not affect your settlement total.
The screen will display Training Mode once a transaction is initiated.
To operate training mode:
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
PURCHASE
dd/mm/yy
$X.XX
PRESENT CARD
**TRAINING MODE**
Process transactions as per procedures in Section 4.0. Receipts will display TRAINING/VOID
on them.
12
PROCEDURES
CUSTOMERCOPY
**TRAINING ONLY**
NOT A VALID
TRANSACTION
**TRAINING ONLY**
NOT A VALID
TRANSACTION
MasterCard
.1234 (C)
MasterCard
.1234 (C)
ACCT TYPE
CREDIT
TRANS TYPE
VOID REFUND
TERMINAL ID
28010101
POS REF
123456789876
INV/ROC NO
000473
DATE/TIME
22 JUN 09 16:14
ACCT TYPE
CREDIT
TRANS TYPE
VOID REFUND
TERMINAL ID
28010101
POS REF
123456789876
INV/ROC NO
000473
DATE/TIME
22 JUN 09 16:14
AID
TC
AID
TC
A0000000041010
AF6702D8211E2290
A0000000041010
AF6702D8211E2290
AMOUNT
$73.08
AMOUNT
$73.08
TOTAL AUD
$73.08
TOTAL AUD
$73.08
AUTH
837514
AUTH
837514
APPROVED
08
APPROVED
08
PROCEDURES
13
Please note:
In training mode, whole dollar amounts will generate an approved transaction. Other
amounts will result in a response code corresponding to the number of cents. For
example an amount of $2.01 or $0.01 will result in a response code of 01 Declined,
Contact Bank.
PROCEDURE
READY
LOGO
hh:mm:ss
dd/mm/yy
User sets the training mode flag off from the POS
and the terminal is now available for financial
transactions.
At the end of Training Mode all transactions are reset and previous values are restored
to batch and ROC (Record of Charge) number.
14
PROCEDURES
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
PURCHASE
$X.XX
PRESENT CARD
PURCHASE
$X.XX
SELECT ACCOUNT
CHQSAVCR
CREDIT
$X.XX
REMOVE CARD
VERIFY SIGNATURE
CORRECT?
CREDIT SALE
APPROVED
TRANSACTION PROCEDURES
15
Note:
1. The entering of PIN on credit is optional. Allow the cardholder to enter their PIN at
the terminal prompt. If the cardholder bypasses PIN entry a signature will need to
be obtained to authorise the transaction. A PIN on Debit is mandatory.
2. If the terminal reads ENTER AUTH ID, please refer to Section 7.0.
Before completing the sale, check that the transaction was approved. Hand the
customer their copy of the transaction record and their card. If the transaction is
declined, the terminal will display an error message giving the reason. An explanation
of the error code is available in Chapter 9.2, Response Codes.
Approved Purchase Receipt
(signature required)
MERCHANTCOPY
CUSTOMERCOPY
MasterCard
................1111(C)
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
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
TC
AID
TC
A0000000041010
244F234AC7FD7547
AMOUNT
TIP
$28.00
$........
A0000000041010
244F234AC7FD7547
AMOUNT
TIP
$28.00
$........
AUTH
AUTH
APPROVED
123456
00
APPROVED
123456
00
16
TRANSACTION PROCEDURES
5.2
The following flow shows a purchase with cash-out transaction (only available for Cheque
and Savings Accounts).
TERMINAL DISPLAY
PROCEDURE
READY
Initiate a purchase with cash transaction from
thePOS.
LOGO
hh:mm:ss
dd/mm/yy
PURCHASE
$X.XX
PRESENT CARD
PURCHASE
$X.XX
SELECT ACCOUNT
CHQSAV
CHEQUE
$X.XX
XXXX
DEBIT SALE
PROCESSING
REMOVE CARD
DEBIT SALE
APPROVED
Before completing the sale, check that the transaction was approved. Hand the
customer their copy of the transaction record and their card. If the transaction is
declined, the terminal will display an error message giving the reason. An explanation
of the error code is available in Chapter 9.2, Response Codes.
TRANSACTION PROCEDURES
17
$13.00
$20.00
TOTAL AUD
$33.00
AUTH ID
146557
APPROVED
18
00
TRANSACTION PROCEDURES
5.3
If Cash is enabled on the terminal, customers can be given cash out. Cash is available from
cheque and savings accounts only.
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
dd/mm/yy
CASH-OUT
$X.XX
PRESENT CARD
CASH-OUT
$X.XX
SELECT ACCOUNT
CHQSAV
CHEQUE
$X.XX
XXXX
DEBIT CASH
PROCESSING
REMOVE CARD
DEBIT CASH
APPROVED
Before completing the sale, check that the transaction was approved. Hand the
customer their copy of the transaction record and their card. If the transaction is
declined, the terminal will display an error message giving the reason. An explanation
of the error code is available in Chapter 9.2, Response Codes.
TRANSACTION PROCEDURES
19
20
CASH OUT
$20.00
TOTAL AUD
$20.00
AUTH ID
146558
TRANSACTION PROCEDURES
5.4
Refunds may only be processed where there was an initial valid transaction on the same
card. If a customer returns a purchase, or if an incorrect amount was charged, process a
refund as follows:
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
dd/mm/yy
REFUND
$X.XX
PRESENT CARD
REFUND
$X.XX
SELECT ACCOUNT
CHQSAVCR
CREDIT
$X.XX
REMOVE CARD
VERIFY SIGNATURE
CORRECT?
CREDIT REFUND
APPROVED
TRANSACTION PROCEDURES
21
Note:
1. The entering of PIN on credit is optional. Allow the cardholder to enter their PIN at
the terminal prompt. If the cardholder bypasses PIN entry a signature will need to
be obtained to authorise the transaction. A PIN on Debit is mandatory.
For a credit account, a signature may be required for a refund even when a PIN
has been entered.
2. If the terminal reads ENTER AUTH ID, please refer to Section 7.0.
Before completing the refund, check that the transaction was approved. Hand the
customer their copy of the transaction record and their card. If the transaction is
declined, the terminal will display an error message giving the reason. An explanation
of the error code is available in Chapter 9.2, Response Codes.
Approved Refund Receipt
(signature required)
MERCHANTCOPY
CUSTOMERCOPY
MasterCard
................11234 (C)
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
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
AMOUNT
$201.00
TOTAL AUD
$201.00
TOTAL AUD
$201.00
AUTH
APPROVED
25817
08
AUTH
APPROVED
25817
00
22
TRANSACTION PROCEDURES
5.5
The Void function can be carried out on credit or charge cards to reverse a transaction that
has not yet settled.
Note:
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
ENTER ROC NO
ON POS
PASSWORD
SCANNING BATCH
PLEASE WAIT
VERIFY VOID
CORRECT?
CREDIT VOID
APPROVED
Before completing the void, check that the transaction was approved. If the
transaction is declined, the terminal will display an error message giving the reason.
An explanation of the error code is available in Section 9.2, Response Codes.
TRANSACTION PROCEDURES
23
CUSTOMERCOPY
MasterCard
.1234 (C)
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
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
TC
AID
TC
A0000000041010
AF6702D8211E2290
A0000000041010
AF6702D8211E2290
AMOUNT
$73.00
AMOUNT
$73.00
TOTAL AUD
$73.00
TOTAL AUD
$73.00
AUTH
837514
AUTH
837514
APPROVED
08
APPROVED
08
24
TRANSACTION PROCEDURES
5.6
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:
When tip addition is enabled, a signature must be obtained if the receipt reads
Approved with Signature or if the cardholder writes a tip addition on the receipt.
This applies even if the original purchase is approved with PIN. A signature does not
need to be obtained if the receipt shows the original purchase as Approved, and no
Tip is added.
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
ENTER ROC NO
ON POS
SCANNING BATCH
PLEASE WAIT
VERIFY TIP
CORRECT?
CREDIT TIP
APPROVED
TRANSACTION PROCEDURES
25
MERCHANTCOPY
WESTPAC TEST LAB
60 MARTIN PLACE
SYDNEY NSW 2000
MasterCard
1234(C)
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
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
TC
AID
TC
A0000000041010
68A5AD0B8F422FE2
A0000000041010
68A5AD0B8F422FE2
AMOUNT
TIP
$24.00
$..........
AMOUNT
TIP
$24.00
$..........
TOTAL AUD
$..........
TOTAL AUD
$..........
AUTH
APPROVED
535953
00
AUTH
APPROVED
535953
00
26
TRANSACTION PROCEDURES
AMOUNT
TIP AMOUNT
$24.00
$1.00
TOTAL AUD
$25.00
AUTH
837514
APPROVED
A0000000041010
AF6702D8211E2290
08
TRANSACTION PROCEDURES
27
5.7
Transactions initiated by mail or telephone are known as MOTO (Mail Order or Telephone
Order) transactions. ECOM (Electronic Commerce) transactions are those initiated over
theInternet.
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 Westpacs
Merchant Business Solutions.
Note:
Until registered as a MOTO/ECOM merchant you must not process MOTO or ECOM
transactions.
An authorisation of a MOTO or ECOM transaction only establishes that the funds are
available in the cardholders account and that the card has not been reported lost
or stolen. It does not guarantee that the person whose name appears on the card is
making the purchase or that the purchase will not be subject to a chargeback.
You will be liable for all chargebacks on MOTO/ECOM transactions.
You must retain all merchant receipts for at least twelve months from the
transaction date.
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
dd/mm/yy
ENTER CCV
ON POS
CREDIT
$X.XX
PRESS ENTER
28
TRANSACTION PROCEDURES
TERMINAL DISPLAY
CREDIT MOTO
PROCEDURE
PROCESSING
CREDIT MOTO
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 Chapter 9.2, Response Codes.
Approved MOTO Receipt
MERCHANTCOPY
WESTPAC TEST LAB
60 MARTIN PLACE
SYDNEY NSW 2000
MasterCard
1234 (M)
ACCT TYPE
CREDIT
TRANS TYPE MOTO PURCH
TERMINAL ID
28010101
POS REF
123456789876
INV/ROC NO
000524
BANK REF
001234
DATE/TIME 23 JUN 09 10:50
AMOUNT
$14.00
TOTAL AUD
$14.00
APPROVED
08
Note:
Only Merchant copy printed for MOTO/ECOM transaction type.
TRANSACTION PROCEDURES
29
5.8
This function is used to reserve funds on a card for a sale to be processed at a later time.
Car rentals and hotels/motels most commonly use this function.
Note:
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
dd/mm/yy
PRE-AUTH
$X.XX
PRESENT CARD
CREDIT
$X.XX
REMOVE CARD
VERIFY SIGNATURE
CORRECT?
30
TRANSACTION PROCEDURES
TERMINAL DISPLAY
PROCEDURE
CREDIT AUTH
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 Chapter 9.2, Response Codes.
Approved Pre-Auth Receipt
(signature required)
MERCHANTCOPY
CUSTOMERCOPY
MasterCard
1111 1111 1111 1111(C)
MasterCard
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
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
TC
A0000000041010
68A5AD0B8F422FE2
AMOUNT
$24.00
TOTAL AUD
AUTH
$24.00
535953
APPROVED
00
AID
TC
1111(C)
A0000000041010
68A5AD0B8F422FE2
AMOUNT
$24.00
TOTAL AUD
$24.00
AUTH
535953
APPROVED
00
TRANSACTION PROCEDURES
31
5.9
PROCEDURE
READY
LOGO
hh:mm:ss
SCANNING BATCH
PLEASE WAIT
VERIFY CHECKOUT
CORRECT?
VERIFY SIGNATURE
CORRECT?
CREDIT C/O
APPROVED
32
TRANSACTION PROCEDURES
MERCHANTCOPY
WESTPAC TEST LAB
60 MARTIN PLACE
SYDNEY NSW 2000
MasterCard
1234(C)
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
ACCT TYPE
CREDIT
TRANS TYPE
CHECKOUT
TERMINAL ID
28010101
POS REF
123456789876
INV/ROC NO
000582
DATE/TIME 23 JUN 09 13:08
AID
TC
AID
TC
A0000000041010
FCB4E55B34C5EDCA
A0000000041010
FCB4E55B34C5EDCA
AMOUNT
$26.00
AMOUNT
$26.00
TOTAL AUD
$26.00
TOTAL AUD
$26.00
APPROVED
00
APPROVED
00
TRANSACTION PROCEDURES
33
PROCEDURE
READY
LOGO
hh:mm:ss
dd/mm/yy
ENTER ROC NO
ON POS
ENTER AUTH NO
ON POS
VERIFY CHECKOUT
CORRECT?
CHECKOUT
$X.XX
PRESENT CARD
34
TRANSACTION PROCEDURES
TERMINAL DISPLAY
CREDIT
PROCEDURE
$X.XX
REMOVE CARD
VERIFY SIGNATURE
CORRECT?
MASTERCARD C/O
APPROVED
Before completing the sale, check that the transaction was approved. Hand the
customer their copy of the transaction record and their card. If the transaction is
declined, the terminal will display an error message giving the reason. An explanation
of the error code is available in Chapter 9.2, Response Codes.
TRANSACTION PROCEDURES
35
MERCHANTCOPY
WESTPAC TEST LAB
60 MARTIN PLACE
SYDNEY NSW 2000
MasterCard
1234(C)
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
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
AMOUNT
$26.00
TOTAL AUD
$26.00
TOTAL AUD
$26.00
APPROVED
00
APPROVED
00
36
TRANSACTION PROCEDURES
Terminal settlement
Manual settlement:
Integrated Mode:
Manual Settlement is where a merchant uses a function on POS to instruct the terminal to
complete a settlement.
Automatic Settlement:
Automatic Settlement is where the terminal is pre-programmed to settle at a pre-designated
time. The auto settle time is controlled by the terminals Terminal Management System
(TMS). This time can be set/updated in the TMS by calling the Westpac Helpdesk on 1800
029 749. The Westpac Helpdesk will provide details of how to download the auto-settlement
information for the terminal.
Automatic Settlement can also be set up as a scheduled task through the PC EFTPOS EMS
Client. Please refer to your POS provider or to PC EFTPOS to set-up this function.
Please note: For all settlement types, the terminal (and the PC) must be powered on for
settlement to occur at the programmed time.
Important
A settlement can only be done once in a 24-hour period. The 24-hr period commences
at 11.00pm through to 11.00pm the following day however, please note, no settlement
can be made between the hours of 9.30pm and 11.00pm (Sydney time).
Manual settlement:
The following screens are displayed when a settlement request is sent from the POS.
Note: The terminal will check the SAF for entries prior to settlement. Any SAF entries and/or
pending reversals will then be flushed online prior to the settlement taking place.
REPORTING FUNCTIONS
37
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
SETTLEMENT
PLEASE WAIT
SETTLEMENT
UPLOADING BATCH
SETTLEMENT
APPROVED
38
REPORTING FUNCTIONS
Settlement Report
MERCHANTNAME
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
TOTAL PUR
PURCHASE
TOTAL REFUND
NET TOTAL AUD
999
999
$99999.99
$99999.99
----------$99999.99
Continued
DINERS TOTALS
PURCHASE COUNT
999
REFUND COUNT
999
PURCHASE
$99999.99
REFUND $99999.99
-----------TOTAL AUD $99999.99
JCB TOTALS
PURCHASE COUNT
999
REFUND COUNT
999
PURCHASE
$99999.99
REFUND
$99999.99
-----------TOTAL AUD
$99999.99
TERMINAL TOTALS
TOTAL PUR CNT
999
TOTAL REFUND CNT
999
TOTAL PUR
$99999.99
TOTAL REFUND
$99999.99
-----------NET TOTAL
AUD $99999.99
PRE-AUTH TOTALS
PURCHASE COUNT
999
PURCHASE
$99999.99
-----------TOTAL AUD
$99999.99
SETTLEMENT COMPLETE nn
------------------------
AMEX TOTALS
PURCHASE COUNT
999
REFUND COUNT
999
PURCHASE
$99999.99
REFUND
$99999.99
-----------TOTAL AUD
$99999.99
REPORTING FUNCTIONS
39
6.2
Funds settlement
Funds Settlement
Settlement of all Debit card and Credit card (Visa and MasterCard only) transactions will
be deposited to the merchants Westpac account on a same day basis where settlement
is triggered at the terminal before 9.30 pm AEST on a gazetted business day (excludes
weekends and public holidays). For non-Westpac settlement accounts, please allow an
additional 24-48 hours depending of the recipient bank for funds to be deposited.
6.3
Pre-settlement
The following screens are displayed when a pre-settlement request is sent from the POS.
TERMINAL DISPLAY
PROCEDURE
READY
LOGO
hh:mm:ss
PRE-SETTLEMENT
PLEASE WAIT
PRE-SETTLEMENT
APPROVED
40
REPORTING FUNCTIONS
Pre-Settlement Report
MERCHANTNAME
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
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
DINERS TOTALS
PURCHASE COUNT
999
REFUND COUNT
999
PURCHASE
$99999.99
REFUND $99999.99
-----------TOTAL AUD $99999.99
REPORTING FUNCTIONS
41
6.4
READY
LOGO
hh:mm:ss dd/mm/yy
LAST SETTLEMENT
PLEASE WAIT
LAST SETTLEMENT
APPROVED
PROCEDURE
The operator
initiates a last
settlement report
from the POS.
Displayed while the
terminal performs
a last settlement to
the bank.
Displayed if
the settlement
response contains
a 00 response
code. A last
settlement report
will print at this
time.
Last Settlement
MERCHANTNAME
MERCHANT ADDRESS 1
MERCHANT ADDRES 2
LAST SETTLEMENT
MERCHANT ID
TERMINAL ID
DATE/TIME
xxxxxxxx
xxxxxxxx
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
42
REPORTING FUNCTIONS
The Electronic Fall Back (EFB) facility is available only when enabled on the terminal, and only
for certain card types.
Electronic Fall Back is the ability to continue performing transactions on the terminal, even
when communication with the Westpac host system for on-line approval has been lost or the
Issuer is unavailable. In EFB mode, transactions are stored within the terminal and manual
vouchers are not required. After communication has been restored, the terminal forwards
the stored transactions to Westpac for processing.
Your Merchant Letter of Offer contains your debit and credit floor limits.
You are reminded that you must not split a sale in order to avoid obtaining authorisation.
When processing in EFB Mode some differences apply to normal on-line processing:
For credit card transactions that are over your Credit card floor limit, you will be required
to enter an authorisation number which you can obtain by calling 132 415. Alternatively ask
your customer for an alternative means of payment.
Signature capture is required on all EFB transactions regardless of the account selection or
whether PIN was entered. The terminal will process the transaction in accordance with the
EFB floor limits and other validation settings.
Cheque/Savings account transactions exceeding your debit card floor limit will be
declined. Ask your customer for an alternate means of payment.
When communication has been lost and the amount of the transaction is over your floor
limit, the terminal will display the following:
TERMINAL DISPLAY
ENTER AUTH ID
ON POS
VERIFY SIGNATURE
CORRECT?
CREDIT SALE
APPROVED
PROCEDURE
43
MERCHANTCOPY
WESTPAC TEST LAB
60 MARTIN PLACE
SYDNEY NSW 2000
MasterCard
1111 1111 1111 1111 (C)
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
Exp Date
11/11
ACCT TYPE
CREDIT
TRANS TYPE PURCHASE
TERMINAL ID
28010101
POS REF
000000004647
INV/ROC NO
000625
BANK REF
00123
DATE/TIME
23 JUN 09 17:31
AMOUNT
$80.00
TIP $........
AMOUNT
$80.00
TIP $........
TOTAL AUD
TOTAL AUD
APPROVED
(P7)
$80.00
*08
APPROVED
(P7)
$80.00
*08
Note: The terminal is only allowed to go to EFB mode if it has already performed a
successful logon and successful transaction that day.
44
7.2
If your terminal fails to function correctly you may revert to manual fall back.
Before performing a downtime transaction:
For credit cards, if the transaction is over your EFB credit Limit, call 132 415 for authorisation.
If you are unsure of your EFB Limit for credit cards, please refer to your Letter of Offer or
check your recent merchant statement.
For debit cards, if the transaction is over your EFB debit Limit find an alternate means of
payment. If you are unsure of your EFB Limit for debit cards please refer to your Letter of
Offer or check your recent merchant statement.
Manual fall back is produced by entering PAN manually instead of swiping/inserting card
toterminal.
If you require any additional information, please contact Merchant Business Solutions
on 1800 029 749.
45
8.1
What is CCV?
The three-digit value printed on the signature panel of a payment card used to verify cardnot-present transactions.
CCV security codes are a way to lessen the risk of fraud and chargeback when the
cardholder is not physically present, or when a card cannot be inserted/swiped successfully.
In these cases you can key in the card number.
A CCV security code is printed on the card but does not appear on receipts. When you key
in the CCV code, a check is made that the code matches the card number. This gives greater
assurance that the customer is in possession of the card. CCV codes are numbers of three or
four digits, depending on the card type.
Note:
46
MINIMISING FRAUD
AUTHORISED SIGNATURE
CCV
MINIMISING FRAUD
47
Hardware faults
Hardware Faults
Action
1. Ensure that the power cable is securely connected to the
terminal.
No response from
the terminal
Terminal not
reading cards
2. If there is still no response from the card reader power off the
terminal for 10 seconds.
3. Power on the terminal.
4. Attempt transaction again.
5. Call Merchant Business Solutions if the problem persists.
48
TROUBLE SHOOTING
9.2
Response codes
Below is a copy of a receipt which indicates the location of the Response Codes.
CUSTOMERCOPY
WESTPAC TEST LAB
60 MARTIN PLACE
SYDNEY NSW 2000
MasterCard
1234 (C)
ACCT TYPE
CHEQUE
TRANS TYPE
PURCHASE
TERMINAL ID
28010101
POS REF 123456789876
INV/ROC NO
000553
BANK REF
001258
DATE/TIME
23 JUN 09 11:35
AID
TC
A0000000041010
244F234AC7FD7547
AMOUNT
$20.00
TOTAL AUD
$20.00
AUTH
182126
APPROVED
Response Code
Location
00
Where your terminal displays a response code not listed on your guide, and you use an
electronic terminal supplied by us, you should phone us on 1800 029 749 for clarification.
TROUBLE SHOOTING
49
Code
Display
Cause/Action
00
APPROVED
08
APPROVED
With signature
Y1
APPROVED
Y3
APPROVED
01
02
03
INVALID PPID
04
05
06
08
CANNOT PAY
CANNOT PAY
APPROVED PENDING
SIGNATURE
12
INVALID TRANSACTION
13
14
50
CANNOT PAY
CONTACT CARD ISSUER
TROUBLE SHOOTING
Code
30
Display
FORMAT ERR CALL
HELPDESK
Cause/Action
39
WRONG ACCOUNT
41
43
51
52
55
56
EXPIRED CARD
CANNOT PAY
INVALID PIN
CONTACT CARD ISSUER
54
WRONG ACCOUNT
53
TROUBLE SHOOTING
51
Code
58
59
61
62
65
75
Display
Cause/Action
INVALID TRANSACTION
CANNOT PAY
CANNOT PAY
CANNOT PAY
CANNOT PAY
CANNOT PAY
90
PLEASE RETRY
91
97
CANNOT PAY
SETTLE NOT AVAILABLE
SYSTEM ERROR
52
98
94
TROUBLE SHOOTING
Code
TC
Display
Cause/Action
DECLINED TC
TL
DECLINED TL
Signature error
XO
X7
CANCELLED SYSTEM
ERROR
Z1
CANNOT PAY
Z3
ISSUER UNAVAILABLE
Z4
CANNOT PAY
TROUBLE SHOOTING
53
54
PIN ENTRY
11.0 Glossary
CCV Number
(Card Check Value)
Charge Card
Credit Card
Debit Card
Merchant ID
ROC Number
Terminal ID
GLOSSARY
55
If terminal is using dial up, then check that the telephone line is
connected properly.
ISSUER NOT
AVAILABLE
NO RESPONSE
TERMINAL FROZEN
Power off the terminal and power back on. If problem persists,
please call the Help Desk to swap out the terminal. (refer 10.1).
HARDWARE ERROR
56
Modem Error
No EFT Server
Refer to the EFT server and ensure that the Host IP address is
setup correctly. If terminal is using IP, then check whether the
Ethernet cable is connected properly.
MAC ERROR