Automatic operations
Reversal operation
Reversals are managed automatically by Payment Terminal Application as part of application protocol handling. This minimizes the risk of discrepancies between Payment Terminal Application and the Host while dealing with communication issues.
Reversal records are created by Payment Terminal Application after sending a financial transaction online for authorization. The record is kept in memory until:
- The transaction is responded (either approved or declined)
- The reversal record is sent by Payment Terminal Application and successfully acknowledged by the host.
- Explicitly deleted by the merchant (only in exceptional situations).
Additional prompts or verifications
Cardholder language selection
The default terminal language is the merchant language as defined by parameter LANG and this is used for both merchant and Cardholder prompts and receipts unless the Cardholder has a preferred language predefined in the ICC (and it is supported by the application). Payment Terminal Application supports English (American or British), Spanish and French languages. The terminal can support American English or British English varieties, this is determined by parameter ENGVAR.
The language preference tag 5F2D is obtained in the response to the final EMV Application Selection. The languages encoded in tag 5F2D are described according to ISO 639-1. Note that ISO 639-1 does not distinguish the English varieties, therefore if the card preference is English, the variety of English to be used for the Cardholder interfaces is determined by parameter ENGVAR.
If tag 5F2D is present, the terminal presents the list of preferred languages in order of preference and filtered by the terminal supported languages (example, if the ICC supports French, English, Japanese and Chinese, and the terminal application supports French, English and Spanish, only French and English are displayed for selection).
If tag 5F2D is not present or none of the supported ICC languages matches the terminal supported languages, then the terminal displays its supported languages.
After the Cardholder selects a language, it only affects the cardholder related prompts and the Cardholder copy of the receipt. The merchant prompts and merchant copy of the receipt remain in the merchant choice of language (determined by LANG).
If only one ICC preferred language is supported by the terminal, it can be automatically selected without prompting to the Cardholder.
Signature capture
Signature capture allows the cardholder to be prompted for the signature and capture it electronically. This prompt only happens if signature is not to be suppressed. Signature suppression is controlled by parameter SIGSUP and ca take the following values:
- 0=Do not suppress signature (if the CVM is signature the terminal will either prompt to capture it or print a line in the receipt).
- 1=Suppress signature
The SIGCAPTURE parameter can take the following values:
- 0=Do not prompt for signature on screen. If signature is required, the receipt will contain a line to be signed by the cardholder.
- 1=Prompt for signature on the screen. The signature image will be included in the merchant copy of the receipt.
Duplicate check
Duplicate checking prevents a customer from being charged twice for the same transaction and ensures the merchant is aware that the previous transaction and the current transaction have the exact same account number and amounts.
If duplicate checking is enabled, Payment Terminal Application alerts the POS to a possible duplicate charge and requires confirmation by the cashier that the charge should be processed. If duplicate checking matches too often based on your type of business, such as concessions, you have the option to turn it off.
The possible values for the DUPCHECK parameter are:
- 0=Do not prompt
- 1=Prompt duplicate checking
Additional input functions
Tip processing
Tip processing allows to include tips in the transaction. The processing takes on different forms based on the transaction and the tip parameters.
The supported modes according to the TIP parameter, are:
- 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 in the receipt automatically. This is also known as ‘Retail Tip’. When in this mode, if parameters TIPPERC1, TIPPERC2, TIPPERC3, TIPPERC4, and TIPPERC5 are different than 0.00, suggested tip values are also displayed.
- 2=Tip processing is ON but do not prompt for tip. Empty tip lines are added to the receipt (to be manually filled by the cardholder and later adjusted by the merchant). When in this mode, if parameters TIPPERC1, TIPPERC2, TIPPERC3, TIPPERC4, and TIPPERC5 are different than 0.00, suggested tip values are also printed.
Conditions:
- If STATICTIP parameter is different than 0.00, then 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 CVV and ZIP code during the transaction. Prompting is controlled by the CARDCHECK parameter:
- 0=No prompt
- 1=Prompt for ZIP
- 2=Prompt for ZIP and CVV
Cashback processing
Cash Back processing allows the merchant to be prompted for, and apply a cash back amount to the transaction. The merchant has the option to bypass or enter the cash back amount.
Cashback prompting is controlled by the CASHBACKDB [CASHBACKDB is missing from Parameters table] and CASHBACKEBT parameters. These parameters can take the following values:
- 0=Do not prompt for cash back
- 1=Prompt for cash back
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 all taxes, fees and tip) if the parameter CASHDISCPERC (the cash discount percentage setting) is different than zero. 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.