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In-Store Payments

Automatic operations

Reversal operation

Reversals are managed automatically by the Payment Terminal Application as part of application protocol handling. This minimizes the risk of discrepancies between the Payment Terminal Application and host when dealing with communication issues.

The Payment Terminal Application creates reversal records after sending a financial transaction online for authorization. The reversal record is kept in memory until one of the following occurs:

  • We receive the transaction response (either approved or declined).
  • The Payment Terminal Application sends the reversal and receives successful acknowledgement from the host.
  • You delete the reversal record (only in exceptional situations).

Additional prompts and verifications

Cardholder language selection

The default terminal language is the merchant language as defined by parameter LANG. The Payment Terminal Application uses the default terminal language for merchant prompts, cardholder prompts, and receipts. A cardholder-preferred language from the card's chip overrides the default language for receipts, assuming the preferred language is supported by the Payment Terminal Application. The Payment Terminal Application supports English (American or British), Spanish, and French. The parameter ENGVAR sets the use of American or British English.

The response to the final EMV Application Selection contains the language preference tag 5F2D. The languages in tag 5F2D are encoded according to ISO 639-1. ISO 639-1 does not distinguish between English varieties. If the card preference is English, the parameter ENGVAR determines the variety of English for cardholder interfaces.

If tag 5F2D is present, the terminal presents the list of preferred languages in order of preference, filtered by the terminal-supported languages. For example, if the ICC supports French, English, Japanese and Chinese, and the terminal application supports French, English, and Spanish, the Payment Terminal Application displays French and English for selection.

If tag 5F2D is not present or there is no match between the supported languages of the ICC and the terminal, the Payment Terminal Application displays the supported languages of the terminal.

The cardholder selection of a language affects the cardholder prompts and the cardholder copy of the receipt. Merchant prompts and the merchant copy of the receipt remain in the merchant's choice of language (determined by LANG). 

If only one ICC-preferred language is supported by the terminal, the Payment Terminal Application automatically selects the preferred language without prompting the cardholder.

Signature capture

Signature capture sets preferences for the cardholder signature prompt and electronic signature capture. Signature prompt only occurs if signature suppression is not enabled. Set the parameter SIGSUP to turn on or off signature suppression with the following values:

  • 0=Do not suppress signature. If the CVM is signature, the terminal prompts to capture it or prints a line on the receipt.
  • 1=Suppress signature.

The SIGCAPTURE parameter takes the following values:

  • 0=Do not prompt for signature on screen. If signature is required, the receipt contains a signature line.
  • 1=Prompt for signature on the screen. The merchant copy of the receipt includes the signature image.

Duplicate check

Duplicate checking helps prevent a customer from being charged twice for the same transaction. Duplicate checking alerts the merchant when the previous and current transaction use the same account number and amount.

With duplicate checking enabled, the Payment Terminal Application alerts the POS to a possible duplicate charge and requires confirmation by the cashier to proceed. If duplicate checking generates frequent false positives for your business type, turn off the prompt for duplicate checking. For example, a concessions merchant regularly processes the same card for the same amount during an event.

The valid values for the DUPCHECK parameter are:

  • 0=Do not prompt
  • 1=Prompt for duplicate checking

Additional input functions

Tip processing

Include tips in your transactions with tip processing. Tip processing takes on different forms based on the transaction and tip parameters.

Set your supported mode with the TIP parameter:

  • 0=Do not prompt for tip amount. No prompt is made during the transaction and no tip line is included in the receipt.
  • 1=Prompt for tip. Tip is prompted during the transaction and the tip value is printed on the receipt. This is also known as "retail tip". In this mode, set one or more of the parameters TIPPERC1, TIPPERC2, TIPPERC3, TIPPERC4, and TIPPERC5 to a nonzero value to display suggested tip amounts.
  • 2=Tip processing is on, but do not prompt for a tip amount. Empty tip lines are added to the receipt (to be manually filled by the cardholder and later adjusted by the merchant). In this mode, set one or more of the parameters TIPPERC1, TIPPERC2, TIPPERC3, TIPPERC4, and TIPPERC5 to a nonzero value to print suggested tip amounts.

Conditions:

  • If the STATICTIP parameter is nonzero, then the tip prompt is bypassed.
  • If the transaction is debit, then there is no tip line on the receipt.

Card verification

This function prompts the cardholder for CVV2 and ZIP code during the transaction. Set the CARDCHECK parameter to turn verification prompts on or off. Refer to Configuration parameters.

Cash back processing

Cash back processing allows the merchant to apply a cash back amount to the transaction. The merchant enters a cash back amount when prompted or bypasses the cash back prompt.

Set the CASHBACK and CASHBACKEBT parameters to turn the cash back prompt on or off. Refer to Configuration parameters.

Cash discount processing

Cash discount processing allows the merchant to be prompted for confirmation before applying the non-cash adjustment to the transaction. This prompt is configurable.

Non-cash adjustment is applied to the total amount of the transaction (including taxes, fees, and tip) if the parameter CASHDISCPERC (the cash discount percentage setting) is nonzero. When applicable, this adjustment can still be waived by the merchant if prompting is active (CASHDISCOPT=1) and the merchant chooses not to apply the adjustment.

Configuration parameters