MERCHANT USER GUIDE
Contents
1. EE EPS Company Hong Kong Limited Bes SB AMAA EPS Company established in 1984 is currently a consortium of 20 major banks in Hong Kong Its mission is to provide greater convenience for customers and merchants via wider use of electronic fund transfers EPS COMPANY MEMBER BANK LIST Bank of China Hong Kong Limited Bank of Communications HK Branch Fubon Bank Hong Kong Limited Hang Seng Bank Limited China Construction Bank Asia HSBC China Merchants Bank Company ICBC Asia Uniad Nanyang Commercial Bank Limited Chiyu Banking Corporation Limited OCBC Wing Hang Bank Limited Chong Hing Bank Limited Shanghai Commercial Bank Limited itil He Ke imite pans Hong Kong ied Stondard Chartered Bank Hong Kong China CITIC Bank International Limited Limited Dah Sing Bank Limited The Bank of East Asia Limited DBS Bank Hong Kong Limited Wing Lung Bank Limited Thank you for joining EPS service EPS Company strives to provide services of the highest quality to both merchants and customers This user guide contains detailed information regarding operational procedures for merchants when using EPS service eee eee ee eee eee eee ee eee eee eee ee eee eee eee er INDEX EPS transaction procedures EPS receipt sample Accepted Rejected transaction Reprint transaction Transaction total record Recap amp settleme2. 13 transaction rorat 7 record CUP RECEIPT RECAP amp SETTLEMENT In order to ensure transaction gecuracy we are now advising our merchants to ATAPIR perform settlement FA a daily basis Simply follow the recap procedure below for recap function 1 Press the SETTLE button Select SETTLE function according to your terminal user guide of operation manual 2 Select EPS please go to point 3 if not applicable 3 Enter password 4 The Recap receipt will be printed out After recap the receipt should print with sy TOTALS MATCH ELLA LA EPs TERMINAL TOTALS COAT SAE TOTAL E bi Totals match SLM m mirum BANK MERCHANT COPY ue m No REFUND TESTING TERMINAL TL IA TERMINAL NO 123456 polei a 120456799 0 RECAP Fia 8 A ow pe sw 019529 JAN 03 20 12 04 oe coos mri T EO ot uS EPS HOST TOTALS END OF REPORT cour SAE 0003 0002 EPS HOST TOTALS matched with EPS TERMINAL TOTALS Recap amp settlement 14 CUP RECEIPT RECAP amp SETTLEMENT If the EPS HOST TOTALS does not match the EPS TERMINAL TOTALS or the receipt is printed with RECAP TOTAL MISMATCH please call EPS Merchant Services Hotline at 2721 0566 for assistance Recap total mismatch BANK MERCHANT
3. Merchants can also reprint any EPS transaction receipts when necessary However once the settlement procedure has been performed merchants cannot reprint any transaction before settlement Reprint cancelled gt Reprint accepted transaction receipt V transaction receipt guts 1 5 EE dei A BANK MERCHANT COPY BANK MERCHANT COPY mue sss OSCAR s TESTING TERMINAL d PWR China UnionPay P pe Li IN 12 019507 WW JANOS 20x 11 48 IAN 03 20K 11 48 U x 7 VALUE DAY AN 04 VALUE Dar JAN 04 a TOTAL ota HKD99 00 TOTAL vibe MKD99 00 I ACQUIRER NNNNNNNN ACQUIRER NNNNNNNN 3 CATR TTR TARE RA TERRE 5 54 The word REPRINT would appear on the reprinted transaction receipt Reprint transaction 12 P RECEIPT TRANSACTION TOTAL RECORD To ensure transaction accuracy merchants shall perform day end settlement to check the total number of transactions made and the total terminal transaction amount against the EPS Company host on daily basis Should any discrepancies occur merchants shall call EPS Merchant Services Hotline at 2721 0566 for assistance N Transaction total Transaction record P d gt Pre A 5 A The total from yesterday s settlement up until now
4. 13 49 EPS HOST TOTALS COUNT SALE TOTAL END OF REPORT 0000 HRDO 00 EPS HOST TOTALS is not matched with the EPS TERMINAL TOTALS EPS RECEIPT RECAP amp SETTLEMENT If merchants do not perform EPS settlement in 7 consecutive days a rejected code of 550 PLEASE SETTLE FKR DHFS will be displayed on the terminal screen and EPS receipt when a new EPS transaction is performed Merchants must perform the EPS recap function immediately please refer to P 6 for reference The terminal will resume normal once the recap is finished EPS receipt with reject code 550 BANK MERCHANT COPY p sessu PER ae REJECTED 0000 Ae INDICATOR 002 SMN EPS em V gH SALE isw 27 019509 X JAN 03 20 11 42 TOTAL Me HKD500 00 ELEELE 50 PLEASE SETTLES STING TERMINAL EPS TESTING TERMINAL TERMINAL NO 123456 MERCHANT NO 123456789 CUP MERCHANT POINTS TO NOTE CUP cards are issued by local financial institutions in Mainland China Shod EPS merchants now accept CUP cards through their EPS point of sale terminals Every valid CUP card bears the China UnionPay logo Y sui Len BANK MERCHANT COPY SNES STF CUP receipt details WERT NANE 3 TESTING TERMINAL j Merchant name 3 123456 Terminal number MERCHANT NO 123456789 Merchan
5. with letter to notify EPS Company within 14 days after the transaction date The letter should include the following information Merchant name Refund amount Contact person Fax number Merchant number Transaction date Contact telephone number Refund reason Upon receipt of the letter with information verified by EPS Company this will be passed to the related bank After the cheque has been cleared the cardholder will receive the refund amount within 5 working days Should the cardholder request their card issuing bank to claim the merchant for the irregular transaction amount EPS Company will pass the information to the merchant to check against their records and reply to EPS Company within 2 working days If refund is necessary the merchant should send cheque to EPS Company After the cheque has been cleared the cardholder will receive the refund amount within 5 working days Note Refund to merchant If the merchant requests EPS Company to claim refund from the cardholder The merchant should send a letter and an administrative charge HK 50 to EPS Company with the following information Letter with company chop and signature Transaction invoice or receipt copy Merchant representative signature EPS receipt copy Reason of claim Upon receiving the request within 3 working days EPS Company will send the letter to the related bank to claim the refund amount A copy will also be sent to the mer
6. COPY TESTING TERMINAL e 123456 123456789 RECAP IS 019660 JAN 03 20 13 49 3 EH 4 EPS HOST TOTALS COUNT 0000 count 0000 HKD0 00 KELLI 17 RECAP TOTAL MISMAT NO REFUND EPS HOST TOTALS is not matched with EPS TERMINAL TOTALS mui BANK MERCHANT COPY TESTING TERMINAL 123456789 380 209 13 49 EPS TERMINAL TOTALS BRAND COUNT SALE TOTAL VALUE DAY f Bs NO REFUND mu Ae BANK MERCHANT COPY xa sus d wo wan m m om vaut tnr m Gp i wm m LP sa WES s m La END OF REPORT NO REFUND CUP RECEIPT RECAP amp SETTLEMENT If merchants do not perform EPS settlement in 7 consecutive days a rejected code of 550 PLEASE SETTLE 8505558 59 E will be displayed on the terminal screen when a new CUP transaction is performed Merchants must perform the EPS recap function immediately please refer to P 6 for reference The terminal will resume normal once the recap is finished Displayed on the terminal screen BB 21106 CUP AHS REJECTED E Bt 5 550 PLEASE SETTLE Recap amp settlement CUT OFF TIME AND SETTLEMENT EPS SYSTEM CEPS cut off time and settlement _ Daily cut off at 7 00pm from Mondays to Fridays except Saturdays Sundays and HKSAR statutory holidays For
7. retry Debit card expired Refer to bank for reject reason and use other means of payment Transaction limitis exceeded PIN error exceeds limit BANK PIN incorrect please retry Please retry lf same reject code is replied call EPS Merchant Services Holline and ask for other means of payment Please retry If same reject code is replied call EPS Merchant Services Hotline and ask for other means of payment Invalid transaction currency code Please call EPS Merchant Services Hotline immediately Please call EPS Merchant Services Hotline immediately Please call EPS Merchant Services Hotline Invalid EPS support version Please retry Call EPS Merchant sabes MST Cancellation error Please call EPS Merchant Services Hotline Transaction already cancelled Cancel ISN error fsa responsa rected for 3 imaa ct another card or other means of payment Pleose retry Thot debit card cannot be used Transaction not supported by merchant Ask for other means of payment Security data is out sync with EPS Merchant Services Hotline please retry after automatic recovery Transaction amount exceeds limit use other means of payment Contact EPS 2721 0566 Contact EPS 2721 0566 Invalid Cashback Amount Cashback Transaction not supported by Merchant Referral not found Please retry If same reject code is replied ask for other means of payment CALL CARD CENTRE Ask for other means of payment and tell car
8. suppliers claimed to be representing from EPS Company please take precaution to avoid any losses Note for performing EPS CUP transactions At all times please follow our guidelines and steps for performing EPS transactions When receiving a card presented by the cardholder the merchant should make a general assessment of whether the information printed on the card is consistent with the cardholder e g nationality gender Beware if any side of the card seems abnormal The cashier should process payment with the customer witnessing the whole payment process particularly with the card always in the customer s sight Give the PIN pad to the customer when entering the PIN The cashier should not look at the PIN pad while the customer is entering PIN Also the cashier should distract people from surrounding the customer while entering PIN During the payment process handle the card with care CUP Merchant should keep the Bank Merchant of CUP transactions for at least 2 years Merchants must present the receipts to EPS when requested To ensure transaction accuracy merchants shall perform day end settlement to check the total for verification Security tips number of transactions and the total amount of the terminal record against the EPS Company host system on a daily basis Should any discrepancies occur the merchant shall call EPS Company REJECT TRANS
9. your terminal user guide of operation manual 2 Select EPS please go to point 3 if not applicable 3 Enter password 4 The Recap receipt will be printed out After recap the receipt should print with TOTALS MATCH Totals match Y utr CRUS HL LS EE Y BANK MERCHANT COPY BANK MERCHANT COPY mue m ue mm TESTING TERMINAL TESTING TERMINAL Tov no 123456 Tni vo 123456 wero no 123456789 oco 123456789 RUNE Hilt RECAP 0 RECAP E com ES Dow P mec m ISN 6 019543 m eo inte aAN 03 20xx 12 03 AN 03 20 12 03 1 TS HOST TODS EPS TERMINAL TOTALS COUNT SE TOTAL BRAND COUNT SALE TOTAL 0002 95423 00 M Vane DAY es 0002 23 00 EPS HOST TOTALS matched with EPS TERMINAL TOTALS 3 Recap amp settlement 6 EPS RECEIPT RECAP amp SETTLEMENT If the EPS HOST TOTALS does not match the EPS TERMINAL TOTALS or the receipt is printed with RECAP TOTAL MISMATCH please call EPS Merchant Services Hotline TESTING TERNAL at 2721 0566 for assistance 123456 s 123456799 Recap total mismatch siesta M EPS TERMINAL TOTALS BRAND COUNT SNE TOTAL miri La BANK MERCHANT COPY TESTING TERMINAL 123456 NO REFUND 123456789 RECAP MERCHANT COPY VALUE DAY JAN Q 019560 ooa PME 20
10. ACTION CODE SUMMARY If a transaction is rejected a reject transaction code see table will be printed on the DISPLAYED TEX IESCRIPTION receipt for referenci DE 400 404 410 413 414 427 428 405 409 411 412 415 420 416 421 47 418 49 422 423 424 425 426 500 504 506 509 512 515 520 522 523 521 530 534 538 505 528 529 510 516 50 508 bu 519 524 525 526 900 902 918 959 960 999 Other reject codes CONTACT EPS 27210566 ERROR PLEASE RETRY REFER BANK BANK OFFUNE INVALID ACCOUNT WRONG A C SELECTION CARD EXPIRED REF BANK FOR REASON CYCLE LIMIT EXCEEDED PIN RETRY EXCEEDED INCORRECT BANK PIN ERROR PLEASE RETRY ERROR PLEASE RETRY CONTACT EPS 27210566 INVALID CANCEL ISN PAN NOT NUMERIC INVALID CCY CODE TERMINAL DEACTIVATED RECAP TOTAL MISMATCH CANCELLATION ERROR TX ALREADY CANCELLED CANCEL ISN ERROR CARD ERROR BANK TIME OUT SYS SUP THIS CRD TER NOT SUP THIS CRD PEK ERROR AMOUNT EXCEED UMIT PLEASE SETTLE CONTACT EPS 27210566 INVALID CASHBACK AMT CONTACT EPS 27210566 REFERRAL NOT FOUND EPS BUSY PLS RETRY BANK BUSY PLS RETRY REFER TO BANK Please retry If same reject code is replied call EPS Merchant Services Hotline ond ask for other means of payment Refer to cord issuing bank Please retry ll same reject code is replied ask for other means of payment Account is cancelled Account selection is wrong please
11. ANT COPY mue untur aue m T 1 0 10 123456789012 678 INDICATOR 001 mo EPS ow 3 w SME EPS fon WM SALE isw 08 019506 So WME SALE isn 189 019509 PUY AN 03 20 11 42 E fue JAN 03 20 11 42 e e Be Bee 123456 001 E AIC 123456 001 VALUE DAY JAN 03 J VALUE DAY JAN 03 2 TOTAL HKD857 40 TOTAL olin HKD857459 00 4 ACCEPTED A RE TRS WT J fti EPS THANK YOU FOR USING EPS REFUND please refer to reject code summary on page 221 3 Accepted Rejected transaction EPS RECEIPT REPRINT TRANSACTION Merchants can also reprint any EPS transaction receipts when necessary However once the settlement procedure has been performed merchants cannot reprint any transaction before settlement Reprint accepted Reprint rejected transaction receipt transaction receipt _ S mn LADER M s NULLUM ue e mA 5000000000000000000000X TESTING TERMINAL 30000 XXXXXX B 4 OK m B A C INDICATOR 001 AJC INDICATOR 002 REPRINT REPRINT EPS Y Bii EPS fo SALE isy 1 019506 AU SALE isy V 019509 WE 3AN 03 20XK 11 42 WP 3AN 03 20 11 42 wo 123456 001 VALUE DAY JAN 03 TOTAL HKD857 40 T
12. EPS transactions approved by the relevant member bank before cut off merchant s designated bank will be credited at the end of the business day For EPS transactions approved after cut off the merchant s designated bank will be credited at the end of the next business day Business day is from Mondays to Fridays except Saturdays Sundays and HKSAR statutory holidays When typhoon no 8 and black storm signal is hoisted in Hong Kong EPS system cut off will follow the procedures of HKICL for settlement handling Reference table SUN MON Fn F12 F14 Note F represents the approved transactions during the designated period 17 time and settlement OFF TIME AND SETTLEMENT CUP SYSTEM C CUP cut off time and settlement Daily cut off from Mondays to Sundays at 11 00pm For CUP transactions approved by the relevant member bank before cut off merchant s designated bank will be credited one business day after the end of the business doy merchant settlement business day 1 Business day excludes Saturdays Sundays HKSAR statutory holidays and during 3 China Golden Holiday periods Chinese New Year Labour Day and National Holiday When typhoon no 8 and black storm signal is hoisted in Hong Kong CUP system cut off will follow the procedures of HKICL for settlement handling Reference table China Golden Holiday Note C represents the approved transactions during t
13. OTAL olia HKD857459 00 5 MEHR MERCHANT 5 5 RU EUR GG m Resch iim The word REPRINT will appear on the EPS reprinted transaction receipt Reprint transaction 41 EPS RECEIPT TRANSACTION TOTAL RECORD To ensure transaction accuracy merchants shall perform day end settlement to check the total number of transactions made and the total terminal transaction amount against the EPS Company host on daily basis Should any discrepancies occur merchants shall call EPS Merchant Services Hotline at 2721 0566 for assistance Transaction record 4 Ca E PLI BANK MERCHANT COPY BANK MERCHANT COPY mue ma d 1 TESTING TERMINAL TESTING TERMINAL owe 123456 worn vo eem E eB TRANSACTION TOTAL 1 WP aan 03 20xx 12 01 p P Ux 5 2 EPS TERMINAL TOTALS COUNT SALE TOTAL HKD 23 00 E 5 SR TTR RET lt 4 The total from yesterday s settlement up until now 5 vensocton total record EPS RECEIPT RECAP amp SETTLEMENT In order to ensure transaction accuracy we are now advising our merchants to perform settlement on a daily basis Simply follow the recap procedure below for recap function 1 Press the SETTLE button Select SETTLE function according to
14. ably before accepting CUP card transactions No cash advance or refund can be made during CUP transactions processing Authorization must be obtained through CUP terminal for each transaction Al CUP transactions including debit cards and credit cards must be a swipe card transaction If the cardholder s identity or CUP card authenticity is in doubts merchants should not accept the CUP cards for transactions If merchant terminates EPS service contracts service contracts of CUP will also be terminated Due to the rigorousness of China UnionPay card verification once any irregular CUP transactions are found EPS Company at any time is entitled to refuse to pay the CUP merchants in whole or in part payment If EPS Company has paid that irregular transactions and the timing of payments are within 180 days from the transaction date EPS Company reserves the right at any fime to claim immediate refund from the CUP merchants CUP transaction slips must also be retained not less than two years for future checking purposes Moreover EPS Company also reserves the right at any circumstances which deem appropriate to receive a chargeback fee Ifyou have any questions please call the China UnionPay 24 hour customer service hotline 800 967 222 or EPS hotline 2721 0566 CUP Merchant Points to Note 10 CUP RECEIPT ACCEPTED CANCELLED TRANSACTION Cancelled transaction A CUP transaction receipt will be printed for ACUP transacti
15. chant for reference A decision will be received from the bank within 5 working days in which the merchant will be notified as well 1 Cheque in the name of EPS Company Hong Kong Limited 2 EPS Company address 13 F HSBC Building 82 84 Nathan Road Tsimshatsui Kowloon Administrative charge of irregular transaction handling is HKS50 which is not refundable and non transferable Irregular transactions handling procedures 20 IRREGULAR TRANSACTIONS HANDLING PROCEDURES j SECURITY TIPS Proper EPS terminal management and usage At all times merchants must keep the terminal in a safe place use it properly and treat it as your cash register Both the terminal and PIN pad should be locked in a drawer when the cashier is away from the register or before Ihe shop is closed Ensure that if CCTV is installed in store it is not aimed at the terminal PIN pad when customer enters PIN The CCTV recording tape should be kept for at least 1 month No unauthorized parties are allowed to repair maintain or take away the terminal Reconfirm if terminal service has been arranged for the company and verify the identity of the terminal technician by checking his staff ID upon arrival Check the terminal daily for any unusual device e g skimmer being attached and if there are any signs or traces of tampering If in doubt please call EPS Merchant Service Hotline at 2721 0566 Ifyou are approached by any paper
16. dholder to refer to the card issuing bank for reason Please call EPS Merchant Services Hotline Reject transaction code summary 22 TROUBLESHOOTING The merchant should check the EPS terminal for the following TROUBLE ACTION REMEDY Check all the connectors between the AC main and the power socket of ibase unit are connected Make sure the AC main voltage is available Make sure paper is loaded properly This may be caused by a prolonged period of non use of the terminal The date and time will be synchronized when a transaction is made If Ihe data displayed is still wrong call for maintenance Check the phone line is properly connected or not then retry again Check the network connectors and try again Troubleshooting EPS ON LINE PROMOTION PLATFORM EPS merchants can promote their products and provide special offers to EPS users through our free on line platform EPS Offers Simply send the information stated below to marketing eps com hk Merchant ID 9 digits Merchant Name Promolion details Company Logo image should be in jpg format 800x600 under 150 Promotion Period Outlet address and telephone no Contact person amp telephone number Email address amp vou D Be EPS Merchant My Spending Planner Offers of the Month Jowellary Co Trovel Jewellery EPS paymant tor at ast EPS paym
17. ent tor at oast redeem Mrs 653 000 can redeem St Horor Fil s Cookie Coupon Cake Cowon Dotais Deas Year Round Offers amp Conditions FAQ Website Uso and Access Agreement Privacy Potcy Sile Map 2008 EPS Company Hong Kong Lined Al Right Reserved Note EPS Company will notify the merchant by email within 4 working days whether the application is successful or not When a promotion occurs the details will be automatically uploaded to the EPS website For enquiries please call 2733 0571 EPs or line promotion platform 24 ORDERING OF EPS PROMOTION MATERIALS AND EPS RECEIPTS For EPS Stands amp Stickers Please call EPS Merchant Services Hotlines at 2721 0566 for FREE For EPS Receipts Please refer to the information below 23810488 Media Courier Co Lid Room 4 4 F Fuk Hong Industrial Building 60 62 Tong Mi Road Mongkok Kowloon 9 00am 6 00pm Mondays to Fridays 9 00am 1 00pm Saturdays Closed on Sundays amp HKSAR Statutory Holidays For 2 ply HK 9 00 per pad For 3 ply HKS10 00 per pad Thermal Paper HK 9 00 per roll Free delivery will be provided for order of 10 rolls or above HKS15 00 delivery fee will be changed for any order below 10 rolls Payment must be made by cash Delivery will be made within 3 working days from the date of order placement for Discovery Boy Lantau Island Lamma island Peng Chou and Cheung Chou delivery will be
18. he reject reason will be stated on the EPS receipt Moreover the EPS terminal also reprints receipts for account reconciliation lists the total transaction amount and transaction records to help merchants increase operation efficiency TIL TRA E BANK MERCHANT COPY SALES STA EPS receipt y MERCHANT AE TESTING TERMINAL Merchant name 123456 Terminal number Merchant number CARO TYPE NUMBER 8 1 Card number 123456789012 678 AIC INDICATOR 001 number Ax Dd S Teema vo MERCHANT NO 123456789 A TAY SALE isn 019506 Input sequence number SHE JAN 20xx 11 42 j Transaction date time me Debit account number 4 n BAYS AN 03 Transaction amount credited to merchant s TOTAL couse HKD857 40 designated bank J Transaction amount Hx X ACCEPTED yo OFRELATNE OOUSSERNIOES N J 2 EPS THANK YOU FOR USING EPS EPS receipt sample 2 EPS RECEIPT ACCEPTED REJECTED TRANSACTION Rejected transaction When a transaction is completed the word If the word REJECTED is printed on the EPS ACCEPTED will be printed on the EPS receipt receipt this is a rejected transaction The merchant must state the reason and suggest the cardholder to use another payment method 4 qi Ae SEF LR EM BANK MERCHANT COPY BANK MERCH
19. he designated period CUP cut off time and settlement fi CUT OFF TIME AND SETTLEMENT EPS CUP STATEMENT Before the 10th of each month EPS Company would send statement to merchants Merchants can check all last month s transaction details EPS transactions and CUP transactions would also be printed on the same statement AMPLE ONLY STATEMENT 001234500 OUR REF EPSCO Serce month THE MANAGER SURE Payment doe date 8010 Tota charges MONGKOK UN i Payment method ATTN MR RR etum charge 0 00 TERRE Other charges 000 i Total charges T pope 01 01 120 200 ASO PA The above charges will debited from your bank account FOR ENQUIRES PLEASE CALL OUR EPS MERCHANT HOTLINE AT 27210566 ENSURE OUR SERVICE QUALITY OUR CONVERSATION WITH MERCHANTS MAY BE RECORDED Remark ERORE 6 RU Please ensure that there is sufficient fund in your bank account one working day before the payment due date fi 9 EPS CUP statement Refund to cardholder from merchant If the cardholder requests the merchant to refund the irregular transaction amount or when the merchant discovers that the transaction amount does not match the total after account reconciliation The merchant should send the refund amount by cheque
20. made once a week EPS Company would not authorize any paper suppliers to approach merchants and cross sell terminal sales slips Beware of any paper suppliers who approach you claiming to be a representative from EPS Company Please take the necessary precautions to avoid any loss e3 Ordering of EPS promotion materials and EPS receipts For operation enquiries or service request please call EPS Merchant Services Hotline at 2721 0566 during the following hours HOTLINE SERVICE HOURS Mondays to Fridays 9 00am to 10 00pm Saturdays 9 00am to 7 00pm Sundays amp HKSAR Statutory Holidays 10 00am to 7 00pm HKSAR Statutory Holidays excluding 1st 2nd and 3rd day following Chinese New Year day
21. nt In the process of signing cardholder looks flustered and is always looking around Cardholder has to look back the signature specimen on the card panel when signing on the receipt or his her motion to sign is very slow Important notes to CUP Merchants Only successful CUP transaction sales receipts will be printed out According to the requirements of the CUP regardless of debit or credit card the cardholder must sign on the sales slip Cardholder s signature on the sales slip must be exactly matched with the signature on the back of his her CUP card panel CUP issuing bank may raise a chargeback if NO cardholder signature on the sales slips If no cardholder s signature on the back of the card the cardholder must sign immediately before any transaction to be processed If cardholder refuses to sign on both the sales slip and the card panel on the back of the card merchants can refuse to accept the transaction in order to avoid any potential financial losses AIICUP merchant sales receipts must be retained for not less than two years from the transaction datel Merchants all CUP Merchants also applicable to terminated CUP Merchants are required to hand in the CUP transaction receipts at a designated period of time if requested by EPS CUP merchants are no allowed to impose extra transaction fee or refuse to accep CUP cards for any transactions under normal circumstances Transaction limit cannot be laid down consider
22. nt China UnionPay CUP Merchant Points to Note i applicable CUP receipt sample Accepted Cancelled transaction Reprint transaction Transaction total record Recap amp settlement 9 10 11 12 14 16 Cut off time and settlement EPS system CUP system EPS CUP statement Irregular transaction procedures 20 21 22 Security tips Reject transaction code summary Troubleshooting 24 EPS on line promotion platform Ordering of EPS promotion materials and EPS receipts Important notice to merchant EPS TRANSACTION PROCEDURES Once EPS POS terminals are installed merchants can accept debit cards or credit cards with ATM functions issued by 20 EPS member banks Operation flow as below Take a general assessment of the information printed on both sides of the card Swipe card through the card reader Enter transaction amount Cardholder confirms amount and chooses debit account tif more than one account Cardholder must enter PIN for all EPS transactions and input ENTER Transaction completed and EPS receipt is printed with ACCEPTED for accepted transaction Then pass the EPS receipt and return the card to cardholder 1 EPS transaction procedures EPS RECEIPT SAMPLE EPS receipts are printed out for all transactions conducted through EPS terminals If it is a rejected transaction a reject code and t
23. on can be cancelled through the accepted transactions only terminal upon agreement between the merchant and the cardholder Fe e utr BANK MERCHANT COPY BANK MERCHANT COPY mue p TESTING TERMINAL TESTING TERMINAL ommo 123456 A vasos 123456789 5 123456789012 678 China UnionPay PEIUS China UnionPay s SNE BN 019507 LRAD R 019507 GA ema 2 019508 SMe JAN 03 20xx 11 48 ml S JAN 03 11 48 4 8 5 VALUE DAY JAN 04 2 VALUE DAY JAN 04 TOTAL siis HKD99 00 TOTAL odin HKD99 00 4 ACQUIRER NNNNNNNN ACQUIRER NNNNNNNN The cardholder is required to sign on the receipt for verification 1 A transaction cannot be performed under the following conditions CUP Merchant should keep the Bank Merchant 1 Copy of CUP transactions for at least 2 years Merchants must present the receipts to EPS when gt Cancelled amount does not match the actual transaction amount procedure has been performed requested EPS system cut off al S CUP system cut off ai System H Cancelled transaction performed in another terminal not the same as actual transaction A different CUP cord was used to perform the cancelled transaction 11 Accepted cancelled transaction CUP RECEIPT REPRINT TRANSACTION
24. t number 1234567890127 678 number China UnionPa CES 1 Input sequence number fo SALE iy Transaction date time Wwe JAN 03 20 11 48 Transaction amount m e credited to merchant s designated bank VALUE DAY JAN 04 TOTAL oha Hkp99 00 Transaction amount ACQUIRER NNNNNNNN Cardholder signature CUP Merchant Points to Note CUP MERCHANT POINTS TO NOTE How to prevent fraud To examine all security features of CUP cards with core When performing CUP transactions check whether the card number on the transaction receipt is exactly matched with the card number embossed on the card Beware of any abnormal behavior from cardholders for example Very casual when shopping or spending without considering the goods selection or does not about the price just hoping to complete the transaction quickly Visit the shops which sell valuables frequently for variety of luxury goods in a rush manner Purchase in bulk order on high cost fashion items but no fitting trial is required Cardholder is holding several CUP cards when performing transactions When one card cannot be successfully processed cardholder switches to another CUP card at once lf authorization cannot be obtained for the CUP transaction cardholder may request merchant to separate all individual payme
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