Verifone User Guide. VX 820 VX 680.
Table of contents. 2 Terminal layout 3 Purchase transactions 4 Purchase transactions – Restaurants only.
Terminal layout.
Purchase transactions. 1. Touch the screen to activate or press the Enter key. 2. Select Purchase from the menu on the touch screen. 3. Enter the amount, then press Enter. 4. The terminal will prompt for cash out amount. If cash out is required enter in the amount, then press Enter. If cash out is not required simply press Enter. NOTE: Cash out is not available on ‘Contactless’ or ‘Credit’ transactions. See page 5 for purchase transactions with tipping enabled. 5.
Purchase transactions – Restaurants only. Tipping must be approved by the Bank prior to having the functionality enabled. 1. Touch the screen to activate or press the Enter key. 2. Select Purchase from the menu on the touch screen. 3. Enter the amount, then press Enter. 4. The terminal will prompt for cash out amount. If cash out is required enter in the amount, then press Enter. If cash out is not required simply press Enter. NOTE: Cash out is not available on ‘Contactless’ or ‘Credit’ transactions.
The following procedure can only be used on credit and charge cards where a customer's card does not have a PIN and the customer has signed to authorise the transaction. The customer has the option to include a tip on the receipt at the end of the purchase. Once a transaction has been tip adjusted the transaction cannot be adjusted in any way. 1. Press the down arrow on the screen to scroll through the menu options until Tip Adjustment is displayed. 2. Select Tip Adjustment from the menu on the screen.
Pre-authorisation. Check In Pre-authorisation transactions are only available to merchants within specific Merchant Category Codes and must be approved by the Bank prior to having the functionality enabled. The following procedures outlines the steps to be taken when carrying out a pre-authorisation on a credit or charge card. Important A pre-authorisation does not mean that an actual purchase transaction has been processed on the card.
Completion 1. Press the down arrow to scroll through the menu options. 2. Select Pre-Auth from the menu on the screen. 3. Select Completion from the menu on the screen. 4. Select STAN/INV, Enter the STAN/INV number from the approved merchant receipt, then press Enter. 5. Check the transaction details and if correct press Select. Processing a void transaction. The following procedure can only be used on credit card transactions. A void can only be processed prior to the transaction being settled.
Processing a refund. 1. Press the Refund button on the screen. 2. Enter the refund password, then press Enter. 3. Enter the amount. 4. The terminal will prompt to present a card. a) For chip cards with contactless technology (MasterCard® PayPassTM or Visa® payWave) i Have the customer present the card over the screen until the four indicator lights illuminate green (2 – 3 seconds). ii The transaction will default to a 'Credit' selection.
Reprinting receipts. 1. Press the down arrow to scroll through the menu options until Reprints is displayed on the screen. 2. Select Reprints from the menu on the screen. 3. Select Last Receipt from the menu to immediately reprint the last receipt. Alternatively, you can select Any Receipt to find an earlier receipt. (Once the terminal has been settled, earlier receipts will not be able to be printed) 4. Select one of the options from the menu on the screen to search for the transaction. 5.
2. Select Settlement from the menu on the screen. 3. Enter the settlement password, then press ENTER. 4. Press Yes to confirm the settlement. 5. The terminal will process the settlement and print a detailed settlement receipt. Forced settlement If the EFTPOS terminal has not been settled by 11:45pm EST our system will generate a forced settlement. A settlement receipt will be printed when the terminal next connects to the network. The funds will not include any transactions stored in the terminal.
Terminals supporting more than four businesses will require the operator to press the down arrow on the screen to scroll forward to view the full list of merchants available. To register the transaction against the relevant merchant, simply press the button on the displayed name. You may be required to Enter the password allowing you to use the selected merchant.
Replacing printer paper. VX 820 model 1. Remove the terminal from the cradle. 2. Open the printer cover by lifting the lever on the cradle. Remove any remaining roll of paper. 3. Lay the new roll in the printer with the paper being fed from the bottom of the roll. Paper feeds from back to front 4. Close the printer cover. Ensure the cover clicks into place, and the paper has been threaded through the gap between the cover. VX 680 model 1. Remove the terminal from the charging cradle. 2.
Chip card errors and fallback procedures. You MAY use the fallback procedures when either: • The chip on the card is damaged and cannot be read by the terminal. (Note: You can clean or wipe the chip in case it is dirty.); or • The chip on the card contains an application that isn’t supported by the terminal. Where the chip on a card is damaged and cannot be read by the terminal, the following instructions should be followed: 1.
EFTPOS merchant fallback process. If you are unable to perform a transaction electronically via your EFTPOS terminal due to a technical error, providing the circumstances are valid, you may choose to continue to accept card transactions by following the procedures below. This process is referred to as a fallback procedure. Valid circumstances You MAY use the fallback procedures when either: • The EFTPOS terminal is not operational due to a technical error.
Obtaining an authorisation number Credit Card When a credit card is used whilst in Fallback mode you will need to obtain an authorisation code before processing the transaction through the Eftpos terminal. To obtain an authorisation number you must call the Credit Card Authorisation Centre and provide: 1. Your merchant type – either Over the Counter (OTC) or MOTO 2. Your merchant number 3. The card number 4. The card expiry date 5.
Failure to connect to the network Card holder Merchant Terminal Switch Processing a transaction 1. For credit card transactions only, obtain an authorisation number before processing a transaction. Debit cards do not have the ability to be authorised - all transactions accepted above the floor limit are processed at the merchants risk. 2. Complete the transaction as normal (credit or debit). 3.
Terminal failure Card holder Merchant Terminal Switch In the event that the EFTPOS terminal is damaged, credit card and debit card transactions can continue to be taken. However, the damaged terminal must be reported to the HelpDesk on 1800 334 702. There are two steps to follow to process a transaction. Cardholders card details 1. 2.
Voucher entry For credit card transactions only - obtain an authorisation number before processing a transaction. Debit cards do not have the ability to be authorised – all transactions accepted above the floor limit are processed at the merchants risk. 1. Press the down arrow to scroll through the menu options. 2. Select Voucher Entry from the menu on the screen. 3. Select the transaction type by pressing either Purchase or Refund from the menu on the screen. 4. Enter your offline password. 5.
Important • You are responsible for assessing the validity of the circumstance for the completion of a fallback transaction. You can call Merchant Services on 1300 132 741 if you are unsure of the validity of any situation. • You must use the Imprinter provided by Bendigo Bank to imprint each fallback Voucher. The use of the imprinter ensures the card number is recorded accurately and minimises possible human errors.
Fraud prevention for merchants. Listed are some tips to help minimise the risk of your business being affected by fraud. Remember that the best course of action is awareness and prevention. • Check the name on the card fits the customer (i.e. a male is not using a female’s card). • Confirm the card number matches the abbreviated number printed on an EFTPOS receipt. • Keep the card until you check the signature. • Be wary of unusual shopping behaviour and multiple declines.
• Securely store transaction receipts containing full card details. • For terminal service or exchange, ask for bank identification. • If you’re not comfortable accepting card payment and the customer won’t provide another form of payment, don’t proceed with the transaction. • If you are suspicious call 13 25 15 and ask for extension 500 or code 10. • Your safety is paramount – never put yourself in danger.
Transaction status Declined Declined Declined Declined Declined Declined Declined Declined Declined Declined Declined Code 100 101 103 104 106 107 108 109 110 111 113 Unacceptable transaction fee Invalid card number (no such number) Invalid account Invalid merchant Refer to card Issuer. Special conditions Refer to card Issuer.
Transaction status Declined Declined Declined Declined Declined Declined Declined Declined Declined Declined Declined Code 114 115 116 117 118 119 120 121 123 124 200 Do not honour pick-up card Transaction can not be completed Exceed withdrawal frequency limit Exceed max withdrawal limit Invalid transaction for terminal Transaction not permitted No card record Incorrect PIN Insufficient Funds Function not supported No account of requested type Description Action requi
Declined Declined Declined Declined Declined Declined Declined Declined Declined Declined Declined 201 202 203 204 205 206 207 208 209 301 302 Code Transaction status No record on file File up not supported by receiver Pick-up stolen card Pick-up lost card Pick up card.
Declined Declined 305 306 Declined Declined Declined Declined Declined Declined Declined Declined Declined 902 903 904 905 906 907 908 909 911 702 Declined Transaction status 304 Code Card issuer timed out Suspected Malfunction Financial institution can’t be found for routing Issuer/ switch is inoperative Cut over in progress Acquirer not supported Format error Re-enter transaction Invalid transactions File action not successful File locked out File field edit error
Declined 960 Approved Approved Approved Approved Declined Declined Y1 Y1 Y3 Y3 Z3 Z1 Description Action required Description Additional codes Transaction declined by card Communications error Transaction approved (signature is NOT required) Transaction approved with signature (if signature is required) Transaction approved (signature is NOT required) Cardholder should contact their bank for details Advise merchant to seek another form of payment Retry transaction No action requ
Contacts. Merchant Help Desk 24 hours a day, 7 days a week 1800 334 702, option 1. Merchant Operations 8:30am - 5pm Monday to Friday, 9am - 12pm Saturday 1300 132 741, option 2. Credit Card authorisations 24 hours a day, 7 days a week 1300 368 839 To order stationery Collect your EFTPOS rolls from your nearest Bendigo Bank branch, or if you are unable to access a branch, call 1300 132 741, option 2.
Notes.
Bendigo and Adelaide Bank Limited, The Bendigo Centre, Bendigo, VIC 3550. ABN 11 068 049 178. AFSL 237879. (S49724) (09/14) bendigobank.com.
