PAX User Guide.
Contents
1. u 16 42 au SII8J SIU J uonoesue1 SI yoyms 13NSS p ullo q 206 S S J9 e e Je palas aq ued uonoesue1 ay xau ay 3un1ejs pue ss ulsnq s ep e YOUMS ssaJ3o1d Ul m9 p ull q 906 juawAed jo WO Jayjoue yaas pInoys jueyalaa SUL gor siaulg X4INV 18 Ajsedoid p yuli u q aney 104 Aew eulune v gor s1aulg X3NV SI p sn Sul q pied y y leuia SIU Je D MO E 104 SI pes ay 5 jou JaJmboy p ullo q G06 JuswAfed jo aas pinoys jueyoJauu y S IeJ SIU JI urege vonoesuen ay 10 Udy aoinap ay 1959 10119 YEWIO4 p ullo q 706 ulege vonoesuen Jdweny UONDBSULN 19 U3 Y p uilo q 06 juaw ed jo Jayjoue UlE 00 sjle 1105 uonoesue41 y JI tuonoesuen ay 10 p l s sem ad UNOD 1991109 ay u q SLY Nid OU almsusa pies Dal e sem pies y JI 1u uu ed jo woy JoyJOUe Isanba pies 58 9 ue S pasn pies Y y suooesue plenu p ullo q 206 cOL sjleyep 104 Yueq In ss oons 1944 1061400 pinous s ploupie 1lu uu ed jo WO 5 0 146 you uon p alld p ullo q 90 slie p 104 yueq 1194 1061400 pinous Jepjoupseg lu uu ed jo WO 4998 0 JUByolalA o p y2o0o l 4 p ullo q 902 slie p 104 yueq 1194 1061400 pinoys s ploup eo IugWAed Jo uuoj Jayjoue y99s 0 JUBYDIOW SIADV 40119 Dia d p2. Table of contents Keypad layout 3 Debit card purchase 4 Credit and charge card purchase 5 Processing a purchase when tipping is enabled 6 Processing a purchase with cash out when tipping is enabled T Pre authorisation 8 Processing a void transaction 10 Processing a refund 10 Reprinting receipts 11 Multi merchant functions 11 Merchant settlement processing 12 Printing sub totals 13 Printing tip totals 13 Replacing printer paper 13 EFTPOS merchant fallback process 14 Obtaining an Authorisation number 15 Fraud prevention for merchants 20 Transaction declined codes 22 GoPOS Mobile EFTPOS 27 Contacts 28 Notes 28 Keypad layout F1 Soft button F2 Soft button F3 Soft button L F1 Soft button 2 Scroll button 8 Power button 2 Scroll button 4 Menu button Aen Zens 5 Enter button CANCEL 7 Cancel key 6 Clear button Soft buttons F1 F4 used to make selections Scroll buttons used to scroll through to display additional menu options Function button used to select different types of transactions such as refund 3 or preauthorisation 4 Menu button used to display menu options 5 Enter button used to enter confirm information entered or selected 6 Clear button used to backspace when entering information into the screen reverse direction when scrolling through menus 7 Cancel button used to cancel last selection 8 Power but
3. Enter 6 Select the account type by pressing the button F1 for Cheque F2 for Savings or F3 for Credit 7 The terminal will then prompt for the PIN Have the cardholder enter their PIN then press Enter If the customer s card does not have a PIN the terminal will prompt for a signature to authorise the transaction 8 The terminal will then process the transaction 10 9 The terminal will prompt to tear off the merchant copy of the receipt and will then print the customer copy 10 Ifthe transaction has been declined the terminal will print a merchant and a customer copy of the declined transaction receipt Reprinting receipts Press the Menu button Select the Reprint option from the menu on the screen The screen will display the search criteria options Select the option you wish to search on Enter the search data When you locate the required transaction press Enter mer u 0 a G t er m The terminal will print the duplicate receipt Multi merchant functions Our PAX terminal supports multi merchant functionality This allows multiple merchant facilities within the same premises to reside on the one EFTPOS terminal Each individual merchant facility is its own entity will carry its own trading name which will be reflected on all customer receipts supports separate settlements to nominated bank accounts and individual monthly tax invoices to enable easy reconciliation Terminals running multi merchan
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5. a branch call 1300 132 741 option 2 28 Notes 29 Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 ABN 11 068 049 178 AFSL 237879 S49800 09 14 bendigobank com au
6. auto settlement The merchant nominates a time to settle which is stored in the terminal Each day at this time the terminal will dial in to our system and process the settlement automatically A detailed receipt will be printed for your records Manual settlement The merchant selects an appropriate time in which to perform a manual settlement on their terminal To process a manual settlement on your EFTPOS Terminal Press the Menu button Select the Totals option from the menu on the screen Select the Settlement option from the menu on the screen Enter the Settlement Password then press Enter The terminal will prompt to Settle Now press F4 for Yes The terminal will prompt to Print Entire Trans List Now press F4 for Yes YO B Q NR 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 For example tips reversals and fallback These will be included in the next day s settlement 12 Printing sub totals 1 2 3 4 Press the Menu button Select the Totals option from the menu on the screen Select the Sub Totals option from the menu on the screen The terminal will print a detailed sub totals report Printin
7. queries you must advise them to speak to their financial institution 15 If you do not obtain an authorisation number but accept the transaction and the transaction is disputed your account may be debited for the value of the transaction Debit Card Debit cards do not have an authorisation process whilst in fallback mode Transactions above your floor limit will display a warning that the transaction will be processed at the merchants risk If a debit card transaction above the floor limit is disputed your account may be debited for the value of the transaction Fallback process The fallback process can be used when either The terminal fails to connect to the network Follow Processing a transaction procedures The terminal is damaged Follow Terminal Failure procedures Failure to connect to the network 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 At the end of the transaction the screen will advise the connection has failed and fallback processing will be displayed 4 terminal will prompt for the entry of your offline password Enter your password 5 The terminal will prompt for the entry of the Authorisation Number Code Enter the
8. ullo q voe s me s p nb uonoy uonduos q uonoesuey p ull q uon3esuteu 25 sainpaooid Jad se Jayanon y49eq 1e e 10 Japjoypseo v WO JUSLUAed jo uuoj Jayjoue yaas pinoys weysiayy ep 19831 jeur ay Jl UlESE uo pue HO aq IIM 9DUBISISSE 10 VEE 008T uo ys q dat 2982002 0 1 6 0 10119 OVIN p ull q 096 ulege vonoesuen ydwayy painbay uoy ON p ull q TZ6 1 ploupie5 ay wo juaw ed jo w104 Jayjoue Ule qO pinous jueyalau ay slez SIU il uonoesuen v Aa n pue euluuj91 v 1 Z02 VEE OOST uo ys q 3982002 0 2UEU2 N uonelllouoo M 1 Ao MY p ullo q ST6 1Inb 1 uor uonduos Sr 9po pail noy nd s q uonoesued po sapo p ullo q 5 26 GoPos Mobile EFTPOS Our GoPos solution allows our merchants to take their EFTPOS terminal straight to their customers either on site or off site GoPos accepts all debit credit and charge cards and features a pinpad high speed printer and terminal in one The system also allows you to process tips and pre authorisations The terminal runs on a rechargeable battery pack and the communications are carried on the GPRS network both Telstra and Optus so the coverage is excellent GoPos has the same menu structure as our Standard Terminal Landline terminal and as such shares the same user guide in relatio
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10. Authorisation Number Code 6 If you do not have an Authorisation Number Code to enter you can choose to continue however a warning message will be displayed on the screen advising that the transaction is above the floor limit and is accepted at the Merchant s risk 16 The terminal will process the transaction and prompt the merchant to check the cardholder signature Press F4 for Yes or F1 for No Failure to accept the signature in 40 seconds will result in the transaction being processed as if the signature was accepted The terminal will prompt to tear off the merchant copy of the receipt and will then print the customer copy When the EFTPOS terminal next performs an Auto Settlement the transactions stored in the EFTPOS terminal will be sent to the network If your terminal is not set for Auto Settlement you will be required to process a manual settlement to force offline transactions through the system or the transactions can be manually uploaded by performing the following steps 1 Press the Menu button Select the Credit Trans option from the menu on the screen Select the Offline option from the menu on the screen Select the Upload Offline option from the menu on the screen 2255 The terminal vill send the offline transactions to the netvvork Terminal failure n the event that the EFTPOS terminal is damaged credit card and debit card transactions can continue to be taken Hovvever the damaged terminal must be r
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12. ate Select the transaction type 1 for Voucher sale or 2 for Voucher refund Enter the sale amount Select the account type by pressing the button under the option required Enter the Authorisation Code Number If you do not have an Authorisation code to enter you can choose to continue however a warning message will be displayed on the screen advising that the transaction is above the floor limit and is accepted at the Merchants risk The terminal will prompt the merchant to check the cardholder s signature As the cardholder s signature was verified on the fallback voucher by the merchant press yes to confirm signature has been verified When the EFTPOS terminal re establishes a connection the transactions stored in the EFTPOS terminal will be sent to the network Voucher handling You must NOT bank any vouchers You must keep the Merchant Copy and the Customer Copy needs to be handed to the customer You must store them safely for a minimum of 18 months in a manner that enables prompt retrieval in the case of a disputed transaction investigation Important You are responsible for assessing the validity of the circumstance for the completion of a fallback transaction You can call the 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 an
13. ay Remove Card and then Card Error Swipe Card 3 Remove the card from the chip reader and swipe the magnetic stripe of the card Process the transaction as normal Where the chip on a card contains an application that isn t supported by the terminal the following instructions should be followed 1 The terminal will attempt to read the chip card however the terminal will respond with No Matching Application Swipe Card Press enter to continue 2 Remove the card from the chip reader and swipe the magnetic stripe of the card Process the transaction as normal 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 fallback procedures Valid circumstances You MAY use the fallback procedures when either The EFTPOS terminal is not operational due to a technical error The EFTPOS terminal fails to connect to the network The EFTPOS message displayed is Issuer Not Available or Call For Authorisation after a transaction has been attempted or the HelpDesk has advised you to use the fallback procedures 14 Invalid circumstances You MUST NOT use the fallback procedures when A transaction is declined on the EFTPOS terminal for any reason The transaction has not bee
14. d minimises possible human errors Use of the imprinter proves that the card was present and offers chargeback protection for you Every transaction must be attempted on the EFTPOS Terminal before a fallback transaction is completed unless the HelpDesk has advised you otherwise You may be responsible for the value of a fallback transaction if the transaction is submitted inaccurately and the value may be debited from your merchant account 19 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 20 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 Don t split a transaction over multiple cards When the card is present swipe the card or take a manual imprint never hand key the card number Check the holograms and validity dates Don t process transactions on unsigned cards or cards with See ID in the signature panel Be suspicious of large or unusual phone or internet orders especially from overseas If the goods are paid for over the phone when the goods are collected ask for the card and take an imprint Especially for phone and internet order
15. eported to the HelpDesk on 1800 334 702 There are two steps to follow to process a transaction Step One Use the Cardholders card and the imprinter provided to imprint the fallback voucher vvith Card number Expiry date Cardholder name Merchant name number and location 17 Complete the following details Date and time Description of purchase eg hair cut clothing etc Amounts purchase and total Account type Authorisation No Code Obtain the cardholder s signature on the fallback voucher and compare it to the signature on the card Ensure all the information on the Fallback Voucher is accurate and legible through all three layers Give the cardholder the Cardholder Copy of the fallback voucher VVhen the EFTPOS terminal is repaired replaced the details on the vouchers MUST be key entered into the terminal following the steps outlined in Voucher Entry below Step Two Voucher entry 18 For credit card transactions only obtain an authorisation number before processing a transaction Debit cards do not have to be authorised all transactions accepted above the floor limit are processed at the merchant s risk Press the Menu button Select Miscellaneous from the menu on the screen Select Voucher Entry from the menu on the screen Enter your offline password Enter the card number and press Enter The terminal will prompt for the entry of CVV2 Press Enter to bypass this screen Enter the card expiry d
16. ess capability will not work for a cash out transaction 7 terminal will prompt to select the account type Select this by pressing F1 for Cheque or F2 for Savings Cash out is not permitted on a magnetic stripe credit card transaction and if attempted will result in the transaction being declined Cash out may be permitted on some chip card transactions 8 The terminal will then prompt for the PIN Have the cardholder enter their PIN then press Enter 9 terminal will then process the transaction 10 The terminal will prompt to tear off the merchant copy of the receipt and will then print the customer copy 11 If the transaction has been declined the terminal will print a merchant and a customer copy of the declined transaction receipt 12 The terminal will revert to normal operation with tipping after completion of the purchase and cash out transaction Please note the tipping function is disabled during the Purchase Cash transaction 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 Function FUNC button 2 Select the Batch option from the menu on the screen 3 Select the Add Tip option from the menu o
17. g tip totals 1 2 3 4 5 Press the Menu button Select the Credit Trans option from the menu on the screen Select the Tipping option from the menu on the screen Select the Print Tip Summary option from the menu on the screen The terminal will print a detailed Tip Totals receipt Replacing printer paper 1 2 Open the printer cover by pressing the green button beside the printer Remove any existing roll of paper Lay the new roll in the printer with the paper being fed from the bottom of the roll Paper feeds from back to front Replace the printer cover Ensure the paper has been threaded through the gap in the cover 13 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 Ifthe first attempt to read the card fails the terminal will display Remove Card The terminal will then prompt to ensure correct card insertion 2 t is recommended that you clean the chip on the card by wiping a cloth over the chip This will ensure the chip contacts are free of dirt If a second attempt to read the card fails the terminal will displ
18. n attempted using the EFTPOS terminal The card has expired The card is damaged unreadable in the EFTPOS terminal ie Other cards work in the device You suspect the card is fraudulent The card presented is unacceptable to the system if you are unsure you can call the HelpDesk for advice on 1800 334 702 The cardholder makes a keying error on the EFTPOS terminal eg The cardholder exceeds PIN tries or The EFTPOS terminal responds card limit is exceeded You may be responsible for the value of a fallback transaction if the transaction is submitted inaccurately and the value may be debited from your merchant account Obtaining an authorisation number Credit Cards When a credit card is acquired 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 The type of merchant you are either Over the Counter OTC or MOTO Your merchant number The card number The card expiry date The total value of the transaction If the transaction is approved you MUST record the Authorisation Approval Number ready to either enter in to the terminal or to record on the fallback voucher If the transaction is declined you are not provided with a declined reason You need only advise the cardholder the transaction has been declined If the cardholder has any
19. n receipt We strongly recommend that you do not key enter card transactions If you experience technical issues with the terminal seek another form of payment from your customer or follow the Fallback procedures listed in this guide In the event of a disputed transaction if you are unable to supply proof that the card was present the value of the transaction will be debited from your account in the form of a chargeback Processing a purchase when tipping is enabled Restaurants only Tipping must be approved by the Bank prior to having the functionality enabled 1 2 3 Type in the transaction amount then press Enter If cash out is required refer to page 7 for processing cash out Enter the Server ID then press Enter Server IDs 1 9 are available by default Please contact the Help Desk for additional Server IDs If the cardholder wished to add a tip to the purchase amount enter the tip amount then press Enter a For chip cards Insert the card facing up chip end first into the terminal as far as it will go and leave it there b For magnetic stripe only cards Swipe the card down the side of the terminal the magnetic stripe needs to be inserted into the card reader facing the terminal keypad The terminal will prompt to select the account type Select this by pressing F1 for Cheque F2 for Savings or F3 for Credit The terminal will prompt for the PIN Have the cardholder enter their PIN then press En
20. n the screen 4 Select the Invoice option enter the invoice number include the leading zeros from the merchant receipt on which the cardholder has written the Tip value then press Enter Check the transaction details and if correct press F4 for OK Enter the Tip Password then press Enter Enter the Tip amount then press Enter Check the new transaction value is correct then press F4 for Yes or F1 for No o oN oO Q The terminal will print a receipt detailing the transaction and tip values 10 The terminal message will display Tip Added and Transaction Closed Pre authorisation on credit and charge cards at hotel or car hire only Check In The following procedure outlines the steps to be taken when carrying out a Pre authorisation on a credit or charge card It should be noted a Pre authorisation does not mean an actual transaction has been processed on the card It is simply a way of checking the card being offered can sustain the expected amount this way it is known in advance the cardholder has enough credit to be able to purchase the goods services 1 Press the Function FUNC button 2 Select the Authorise option from the menu on the screen 3 Type in the transaction amount then press Enter a For chip cards Insert the card facing up chip end first into the terminal as far as it will go and leave it there b For magnetic stripe only cards Swipe the card down the side of the terminal the magnetic s
21. n to terminal functionality and transaction processing There are some subtle differences that you need to be aware of The terminal runs on the Optus or Telstra GPRS mobile phone network The terminal has an auto turn off feature This is pre set to 15 minutes and is designed to maintain battery life when the terminal is inoperable We have the flexibility to extend this timer if necessary but remain mindful that leaving the terminal idle for extended periods of time will drain the battery As the terminal is not designed to remain powered on or connected at all times it does not lend itself to auto settlements Our preference and recommendation is that you perform a manual settlement on the terminal at the completion of your days trade note this must be performed prior to 11 45pm EDST Battery strength is indicated on the display allowing you to monitor and re charge as necessary Car chargers are available by contacting Merchant Services 1300 132 741 select Option 2 When on site the terminal can be connected to mains power to keep the battery charged 27 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
22. onditions In the event of a dispute the onus is on you to prove the goods or services were provided to the rightful owner Failure to prove this will result in the full value of the transaction being debited from your account plus any dispute fee The examples provided are not a complete list of measures to minimise fraudulent behaviour or risks associated with merchant facilities Bendigo Bank Limited is not liable for any loss or damage suffered by you in reliance on this list of examples 21 egen 40 YU 1194 1261102 pinoys s ploup eo jusuwled jo woy Jayjoue 5 0 1460 SIADV uonoesuen lqe1d oosun p ullo q ETT s ie p 104 yueg 1194 1061402 0 Japjoypieg juauled jo WUOJ Jayjoue M S 0 JUBYOIOW 1aquinu yons asiApy ulege uonoesues idusye pies 3ulajua Ajjenueuw Ji ou Jaquunu pied DUSAUI p ullo q FEE uoneuuoJul 40 YUL 1194 1061400 pinous Japjoypieg jUaWAed Jo wiog Jayjoue Y S 0 JUeyoJau ay asinpe ulese sjey y J ulege uonoesuen 100 juno998e plenu p ullo q OTT aq pinous Ju9wAed jo w104 Jayjoue pled 58 9 UB SI Ped y J gor siaulg X3INV 1e Dovu u q Jou seu ut ay gor siaulg X3NWVV S p sn S l q ped ou Jl jueyolau p ullo q 601 s ie p 104 yueq 1194 198 U09 0 suon puo 61000 yapjoypseo y Wo
23. pue papajas sem ad juno99e 1931109 49949 5 jou uonound p ullo q STI yu uu ed Jo VIO I9YJOUE Y99S 0 SI jueyoJaul d S IeJ 5101 J tuonoesuen pue pajoajaes sem ad JUNODIe 31109 yYOOYD Jo juno99e oN p ullo q s me s p nb uonoy uonduos q uopoesuey s po p ull q 5 23 S Ie19p 104 yueq 1194 1081400 pinoys s ploup eo Ju uu ed Jo woy Jayjoue 5 0 146 0 SIADV al UO PI093 ON p ullo q ZOE sjleyap 104 yueq 1194 1061400 J9N9991 pinoys 1 pjoyp1e9 Juswied Jo WO Y99S 0 JUeyolau SIADV Aq peyoddns jou dn ai p ullo q TO ollod ay 1081400 osje pinous jueyolaw aoejd SUE si pneu analjaq Jl Jones ay 1061400 pue peo y UIEIOO pue p u uq JOU J OS OP 0 ajes si y JI auop aq juo si M Eq Sulnssi ay 1061400 pue JOLUOJSND WO PCD 01 JUByolalA peso u lo 3s dn yold p ullo q 602 Jones ay 1061400 pue DIS ay UIEIOO pue AJ o p u Asu ou Ji OS OP 0 5 sI y JI uop aq juo pinous 51 queq 801155 ay 1061400 pue JOLUOJSND WOJ DIS 01 JUByolalN DIE 150 dn yold p ullo q 802 yueg Sulnss ay 101400 pue y UISIOO pue An o p u ABU JOU J OS 0 ajes SI y JI suop eq luo p nous SIUL Mueq Sulnssi ay 1061402 pue 18 WOI D
24. r copy 10 If the transaction has been declined the terminal will print a merchant and a customer copy of the declined transaction receipt 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 and where a tip has not been added Once the transaction has been settled you must process a refund 1 Press the Menu button Select the Credit Trans option from the menu on the screen Select the Void Trans option from the menu on the screen Pon Select the Invoice option enter the invoice number including the leading zeros from the approved merchant receipt then press Enter Check the transaction details and if correct press Enter Enter the void passvvord Confirm if the transaction details are correct and press F4 for Yes Oo D The terminal will process the void and print a merchant and customer receipt Processing a refund 4 Press the Function button 2 Select the Refund option from the menu on the screen 3 Type in the transaction amount then press Enter 4 a For chip cards Insert the card facing up chip end first into the terminal as far as it will go and leave it there b For magnetic stripe only cards Swipe the card down the side of the terminal the magnetic stripe needs to be inserted into the card reader facing the terminal keypad lon Enter the Refund Password then press
25. s deliver goods to a person in a building and ask for ID For internet phone or mail orders confirm your customer is the genuine cardholder Your business will be liable for losses in a dispute situation If you have any reservations or concerns in regards to a transaction please contact Merchant Services on 1300 132 741 prior to processing Authorisation is not proof of identity or guarantee of payment It simply confirms funds are available and the card hasn t been reported lost or stolen Never process transactions for someone else You will be liable in a dispute situation Never fulfil requests for goods that you don t normally trade in or sell Keep your terminal secure at all times and minimise the number of people who know your refund password Protect your customer s PIN never point cameras at terminals 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 It is your responsibility to ensure that the person placing an order is the authorised owner of the plastic card refer clause 10 b clause 13 d third bullet point clause 14 and clause 17 f of the Merchant Terms and C
26. t differ slightly to a standard terminal The procedures outlined in this user guide compliment multi merchant terminals with the only changes being the requirement to nominate which merchant you wish to process the transaction against prior to engaging in the transaction For terminals running up to three merchants the names will appear on the display Terminals supporting more than three businesses will require the operator to scroll forward by pressing the F4 button to view the full list of merchants available To register the transaction against the relevant merchant simply press the button next to the displayed name Individual settlements may be performed manually or a terminal initiated auto settlement may be requested allowing the terminal to settle automatically at a predetermined time each day If terminal initiated auto settlement is performed all merchants will be settled one after another and funds will be credited 11 Merchant settlement processing Merchant settlement options Bendigo Bank is happy to offer alternative settlement options to our merchants Each option is slightly different and merchants are required to choose the most suitable for their business Some of the variants are specific and will only be suitable to particular merchants It should be noted that it is preferable that your terminal is plugged in and connected to the network at all times This is essential to perform settlements Terminal initiated
27. ter If the customer s card does not have a PIN the terminal will prompt for a signature to authorise the transaction The terminal will then process the transaction If a signature was used to authorise the transaction the terminal will prompt to check the cardholder signature press F4 for Yes or F1 for No Failure to accept the cardholder signature within 40 seconds will result in the transaction being processed as if the signature was accepted The terminal will prompt to tear off the merchant copy of the receipt and will then print the customer copy 10 If the transaction has been declined the terminal will print a merchant and a customer copy of the declined transaction receipt Processing a purchase with cash out when tipping is enabled The following procedure can only be used on debit credit and charge card transactions where a cardholder adds a tip to the purchase amount Tipping must be approved by the Bank prior to having the functionality enabled 1 Prior to entering the purchase amount from the menu on the screen press the Function FUNC button Select the Purchase Cash option by pressing 1 Type in the transaction amount then press Enter The terminal will prompt for cash amount Enter in the amount then press Enter a pw N The combined total of the purchase and cash out amounts will be shown press Enter 6 terminal will prompt the cardholder to swipe or insert their card the contactl
28. then press Enter If cash out is not required simply press Enter Cash out is not permitted on a magnetic stripe credit card transaction and if attempted will result in the transaction being declined Cash out may be permitted on some chip card transactions 3 a For chip cards Insert the card facing up chip end first into the terminal as far as it will go and leave it there b For magnetic stripe only cards Swipe the card down the side of the terminal the magnetic stripe needs to be inserted into the card reader facing the terminal keypad 4 terminal may then prompt to select the account type Select this by pressing F3 for Credit 5 terminal will then prompt for the PIN Have the cardholder enter their PIN then press Enter If the customer s card does not have a PIN the terminal will prompt for a signature to authorise the transaction 6 terminal will then process the transaction If a signature was used to authorise the transaction the terminal will prompt to check the cardholder signature press F4 for Yes or F1 for No Failure to accept the cardholder signature within 40 seconds will result in the transaction being processed as if the signature was accepted 7 terminal will prompt to tear off the merchant copy of the receipt and will then print the customer copy 8 If the transaction has been declined the terminal will print a merchant and a customer copy of the declined transactio
29. ton used to switch terminal on off 3 Function button Debit card purchase 1 Type in the transaction amount then press Enter 2 terminal will prompt for cash amount when enabled If tipping is also enabled refer to page 7 for processing cash out If cash out is required enter in the amount then press Enter If cash out is not required simply press Enter 3 a For chip cards Insert the card facing up chip end first into the terminal as far as it will go and leave it there b For magnetic stripe only cards Swipe the card down the side of the terminal the magnetic stripe needs to be inserted into the card reader facing the terminal keypad 4 terminal will prompt to select the account type Select this by pressing F1 for Cheque or F2 for Savings 5 terminal will prompt for the PIN Have the cardholder enter their PIN then press Enter 6 terminal will then process the transaction 7 terminal will prompt to tear off the merchant copy of the receipt and will then print the customer copy 8 If the transaction has been declined the terminal will print a merchant and a customer copy of the declined transaction receipt Credit and charge card purchase 1 Type in the transaction amount then press Enter 2 The terminal will prompt for cash amount when enabled If tipping is also enabled refer to page 7 for processing cash out If cash out is required enter in the amount
30. tripe needs to be inserted into the card reader facing the terminal keypad 5 The terminal may then prompt to select the account type Select this by pressing F3 for Credit 6 terminal will then prompt for the PIN Have the cardholder enter their PIN and press Enter If the customer s card does not have a PIN the terminal will prompt for a signature to authorise the transaction 7 terminal will process the transaction If a signature was used to authorise the transaction the terminal will prompt to check the cardholder signature press F4 for Yes or F1 for No Failure to accept the cardholder signature within 40 seconds will result in the transaction being processed as if the signature was accepted 8 If the transaction has been declined the terminal will print a copy of the declined transaction receipt Check Out 1 Press the Function FUNC button 2 Select the Batch option from the menu on the screen 3 Select the Finalise option from the menu on the screen 4 Select the Invoice option enter the invoice number include the leading zeroes from the Check In merchant receipt then press Enter 5 Check the transaction details and if correct press F4 for OK 6 Enter the Adjust Password then press Enter Le Enter the final bill amount then press Enter 8 terminal will process the transaction 9 terminal will prompt to tear off the merchant copy of the receipt and will then print the custome
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