ANZ POS PLUS Instruction sheet

PB– 1
Merchant Operating Guide
ANZ POS PLUS™
INTEGRATED EFTPOS SOLUTIONS
Merchant Trading Name:
Merchant Identication Number:
Terminal Identication Number:

Contents
1. Welcome 4
1.1 Merchant Agreement 4
1.2 Important Contact Details 4
1.3 Authorisation 4
1.4 Floor Limits 5
1.5 Change of Business Details 6
2. Cards You Can Accept 6
3. Merchant Cards 7
4. Equipment Maintenance 8
5. Stationery 8
6. Fraud Minimisation 8
7. Errors and Disputes 14
7.1 Typical Causes of Return and Corrections 14
7.2 Chargebacks 14
8. ANZ POS Plus 15
8.1 Terminal Features 15
8.2 Terminal Keypad 15
8.3 Card Reader 16
9. Processing a Sale 17
9.1 How to Process a Cheque or Savings Purchase Transaction (Applies to both
Magnetic Stripe and Chip Cards) 17
9.2 How to Process a Credit Purchase Transaction using a Magnetic Stripe Card 18
9.3 How to Process a Credit Purchase Transaction using a Chip Card 20
10. Processing a Cash-Out Only Transaction 23
11. Processing a Refund Transaction 24
12. Electronic Fallback (EFB) Processing 28
13. Manual Transaction Processing 33
13.1 Paper Voucher Processing 33
13.2 Hand key (Manual Entry) Processing 39
14. Mail, Telephone and eCommerce Order Processing 41
14.1 How to Process a Mail Order Transaction (Credit Cards only) 41
14.2 How to Process a Telephone Order Transaction (Credit Cards only) 43
14.3 How to Process an eCommerce Order Transaction (Credit Cards only) 44
15. Optional Features 46
15.1 Tip@Terminal (Tip with PIN) Transactions 46
15.2 Pre-Authorisation 49
15.3 Customer Preferred Currency 57

16. Terminal Error Messages 60
17. Settlement 63
18. Print Totals 64
19. Reprint the Last Record 64
20. Transaction Detail Report 64
21. Filing and Retention of Transaction Records and Vouchers 92

1. Welcome
We are pleased to welcome you as an ANZ Merchant and look forward to a long association
with you.
This Merchant Operating Guide provides you with information on cards you can accept,
ways to reduce fraud and what to do if errors or disputes are incurred.
Clear and easy-to-follow instructions on how to process transactions on your ANZ terminal
are provided by showing the terminal screen displays and instructions on what you need
to do when you see these display screens. As your Point of Sale (POS) system leads the
transaction, instructions in this Merchant Operating Guide may instruct you to refer to your
POS manual.
Please take time to read this manual thoroughly and ensure that your staff read it too.
1.1 Merchant Agreement
Your ANZ Merchant Agreement contains valuable information and important requirements
relating to operating procedures. Instructions in this Merchant Operating Guide form part
of the ANZ Merchant Agreement and may be varied or replaced by ANZ at any time.
ANZ strongly recommends that you follow the security checks and procedures in this guide
to assist in identifying and minimising fraudulent, invalid or unacceptable transactions.
ANZ may conduct an investigation if a transaction is believed to be fraudulent. The
operators of the applicable card schemes may also conduct their own investigations.
Your Merchant Agreement outlines the circumstances in which you will be liable for such
transactions. If it is found that you have processed invalid or unacceptable transactions,
you may be liable for the value of those transactions. Please refer to the General Conditions,
ANZ Merchant Services for more details.
1.2 Important Contact Details
ANZ Merchant Services (24 hours/7 days a week): 1800 039 025 or [email protected]
Online Stationery Ordering: www.anz.com/merchantconnect
Authorisation Centre:
• Credit Cards (Visa®and MasterCard®) 1800 999 205
• Charge Cards (Diners Club) 1800 331 112
• Charge Cards (American Express/JCB) 1300 363 614
• Debit Cards (Cheque/Savings Accounts) 1800 039 025
NOTE: Calls to 1800 numbers from a mobile phone will incur normal mobile phone charges.
1.3 Authorisation
Your terminal is designed to automatically seek authorisation from the cardholder’s Card
Issuer while processing an electronic transaction.
Authorisation confirms that the card number is a valid card number and that there are
sufficient funds in the account. Despite a transaction being ‘authorised’, the merchant bears
the risk that the customer is not the true cardholder.

Authorisation does not amount to verification that the transaction is genuine nor does it
authenticate the customer.
NOTE:
• Authorisation of the transaction does not mean that the true cardholder has authorised
the transaction
• Authorisation does not protect the merchant from chargebacks
• ANZ cannot guarantee that a transaction has been conducted by the true cardholder.
Authorisation Declined
Where an Authorisation is declined, please seek an alternative method of payment.
If the customer cannot pay, the goods should be reclaimed. For goods that cannot be
reclaimed (eg. food items, petrol etc), request photographic identification such as a Driver’s
Licence or take a description of the person and arrange with the customer to provide an
alternative method of payment. If unsuccessful, report the incident to the Police.
1.4 Floor Limits
A Floor Limit is a dollar amount set for a particular type of card transaction processed via
your Merchant Facility. Please note, Floor Limits relate to all transactions.
Your Letter Of Offer outlines all Authorised Floor Limits that are specific to your business.
Some of these limits are specific to your business or industry, please insert these Authorised
Floor Limits in the appropriate spaces provided.
Authorised Floor Limits
Credit Card Floor Limits (including Visa and MasterCard Debit Transactions)
Manual (Imprinter):
Electronic Fallback:
Internet: $0
Mail Order & Telephone Order: $0
All Other Electronic Transactions: $0
Debit Card Floor Limits (not including Visa and MasterCard Transactions)
• Service stations, taxis/limousines, liquor and convenience stores $60
• Supermarkets $200
• All Other $100
Charge Card Floor Limits
Diners Club: American Express:
NOTE: A $0 Floor Limit applies to all Hand key Mail/Telephone Order and eCommerce transactions
(refer to section 13 and 14 of this guide).
You must phone the Authorisation Centre for transactions over your Authorised Floor Limit
using the above phone numbers (refer to section 1.2) to verify if the account has sufficient
funds available to cover the transaction. If approval is not obtained for transactions above
4–5
Please insert your Authorised Floor Limit
Please insert your Authorised Floor Limit

your Authorised Floor Limit, you risk the transaction being charged back.
When you contact the Authorisation Centre, a transaction will be ‘approved’or ‘declined’.
If declined, please advise the customer to contact the Card Issuer and seek an alternative
method of payment.
NOTE: An alpha character may be provided as part of the approval code. Select the numeric key cor-
responding to the alpha character and press ‘SAV’ to scroll through options. Example: if character ‘C’ is
required, select number ‘2’ on the pinpad and press the‘SAV’ key until you scroll to character ‘C’, then
press ENTER.
NOTE: A transaction may still be charged back despite being authorised by the Authorisation Centre.
Retain Card
If the Card Issuer has cancelled the card, the Authorisation Centre may ask that you try to
retain the card.
1.5 Change of Business Details
Your ANZ Merchant Agreement describes various situations in which you must notify us of
a change to your circumstances.
Please contact ANZ Merchant Services on 1800 039 025 if there are any changes to your:
• Business name and/or address
• Business type or activities including changes in the nature or mode of operation of
your business
• Mailing address
• Ownership
• Bank/branch banking details
• Telephone or fax numbers.
Should your business be sold, cease to trade or no longer require an ANZ Merchant Facility,
please contact ANZ Merchant Services immediately on 1800 039 025.
The ANZ Merchant Services General Conditions sets out your obligations when your
business is sold, ceases to trade or no longer requires an ANZ Merchant Facility.
You must ensure that all stationery, promotional material, Transaction Vouchers, Card
Imprinters and equipment (including Electronic Terminals) is returned to ANZ, based on the
closure instructions provided by ANZ Merchant Services.
Please Note :It is the authorised merchant’s responsibility to ensure that the Merchant Facility is re-
turned. Failure to do so, may result in the continual charge of Terminal Rental Fees until all equipment
is returned in accordance with condition 16(iv) of the ANZ Merchant Services General Conditions.
2. Cards You Can Accept
Credit Cards
Cardholders can use credit cards (MasterCard®and Visa®) to access their credit card
accounts. Cardholders can also access cheque and savings accounts where those accounts
are linked to the credit card.

6–7
Cardholders can access these accounts through an ANZ POS Plus terminal using their PIN
(Personal Identification Number) and in certain circumstances, signature.
Debit Cards
Cardholders possessing a debit card will use a PIN for verification in most circumstances.
Charge Cards
Processing charge cards is essentially the same as processing credit card transactions. To
accept charge cards, you must have an agreement with the charge card Issuer (eg. Diners
Club, American Express and JCB).
3. Merchant Cards
You have been provided with two Merchant Cards. These are designed to assist you with
different tasks, including processing Manual Paper Voucher Transactions.
Always keep your Merchant Cards in a safe place.
It is important that the correct cards are used at all times.
Replacement Merchant Cards can be ordered from ANZ Merchant Services on 1800 039 025.
EFTPOS Merchant Card
• To imprint your manual EFTPOS Merchant Summary
Vouchers for cheque and savings transactions
• As reference for your Terminal Identification Number
(TID).
Merchant Summary Card
Your Merchant Summary Card is required when you
imprint your Merchant Summary Voucher for Manual
Credit Card transactions and as a reference for your ANZ
Merchant Identification Number (MID).

4. Equipment Maintenance
It is your responsibility to provide a clean operating environment for your terminal. Liquids
and dust may damage the terminal components and can prevent it from operating. To
order a Magnetic Stripe Card Reader Cleaner, please visit www.anz.com/merchantconnect
or contact ANZ Merchant Services on 1800 039 025.
Its important to clean your terminal regularly to maintain its operating efficiency as you
may be charged if it is damaged. The terminal and screen may be wiped clean using a
damp cloth. Do not use abrasive materials. Use a soft brush to keep the keypad dust-free.
NOTE: Please do not tamper with or remove the terminal housing. Do not disconnect your terminal’s
power supply or communication line unless instructed to do so by ANZ Merchant Services.
5. Stationery
You have been supplied with an initial stock of stationery including:
• 25 x Credit Card Summary Envelopes
• 25 x Credit Card Sales Vouchers
• 25 x Credit Card Refund Vouchers
• 25 x Merchant Summary Vouchers
• 25 x Cheque/Savings Summary Envelopes
• 25 x Cheque/Savings Sales Vouchers
• 25 x Cheque/Savings Refund Vouchers
• 25 x EFTPOS Summary Vouchers
• Magnetic Stripe Card Reader Cleaner.
To re-order stationery, please visit www.anz.com/merchantconnect or contact ANZ
Merchant Services on 1800 039 025.
6. Fraud Minimisation
Before Commencing any Transaction:
• Confirm that you are authorised to accept that particular card
• Check whether the card appears damaged or altered.
How to Safeguard Against Fraud:
• Do not let anyone service or remove your terminal without viewing proper identification
• Do not allow equipment to be used by unauthorised persons
• Keep Merchant Cards secure from unauthorised use
• When making a manual imprint of a card, destroy the carbon (black) sheets
• Do not divulge cardholder information (eg. card names or numbers)

8–9
• Retain the card until you have completed the security checks and obtained
Authorisation for the transaction.
Is Your Customer Acting Suspiciously?
• Appear nervous, overly talkative or in a hurry
• Arrive on closing time
• Try to rush you or distract you
• Carry the card loose or by itself
• Have no means of identification
• Make numerous purchases under your Authorised Floor Limit
• Make purchases without regard to size, quality or price of goods
• Ask to split transactions into smaller amounts
• Ask for transactions to be manually entered
• Sign the Voucher or Transaction Voucher slowly or unnaturally
• Do not locate your terminal under a security camera or any other CCTV device.
If You Are Suspicious:
• Ask for photographic identification (eg. Driver’s Licence or passport) and ensure that
the details match the cardholder’s name. Record the details on your copy of the
Transaction Voucher
• For MasterCard and Visa transactions, call the Authorisation Centre on
1800 999 205
(select option 2)
• You may be asked a series of ‘YES’ or ‘NO’ questions to help the operator determine
whether you should proceed with the transaction.
NOTE: Never place yourself at risk - your safety comes first.
Please report all fraudulent activities to the Police immediately.
Split Ticket Transactions
A transaction may be deemed invalid and charged back to you if, in ANZ’s reasonable
opinion, it relates to one or more purchases made in the same merchant establishment
which have been split into two or more transactions.
Fraud Minimisation for Credit Cards
The following checks are vital in helping you identify and minimise fraudulent credit card
transactions via your ANZ Merchant Facility.
Card Front :
• Ensure that the name on the card is appropriate to the customer. Identity theft may have
occurred if you are presented with a card containing the name of a cartoon character, a
feminine name on a card presented by a male or other questionable scenarios

• The printing on the card should look professional
• The card must have current validity dates (a card can only be used from the first day of
the ‘valid from’month to the last day of the ‘until end’ month)
• Cards should look 3-dimensional and contain familiar security features such as a
hologram, signature panel and CVC2 (explanation to follow). It should not appear
suspicious or be made of inferior material.
Embossed Cards :
• The cardholder name and number should be raised and not flattened (unless it is a
genuine unembossed card)
• The first four digits of the embossed number must match the pre-printed four digits on
the card
• The embossing should be clear and even.
Unembossed Cards :
• A cardholder name may or may not be included
• Can be used for electronic transactions only
• The cardholder name and number are printed rather than raised.
Signature :
• A signature should appear within the signature panel on the card
• The signature or signature panel should not appear to have been altered
• The customer’s signature on the Transaction Voucher should match the signature on
the card.
Card Validation Code (CVC2):
The Card Validation security feature is activated in all ANZ POS Plus Terminals when
processing Mail Order and Telephone Order Transactions. To activate the CVC2 for other
transactions please contact ANZ Merchant Services on 1800 039 025.
If activated, a new screen will appear when processing financial transactions.
Card Validation Code.

10 – 11
Turn the cardholder’s credit card over and locate the last 3-digits of the number printed on
the signature panel. If the transaction is initiated via mail, telephone or Internet, instruct
the cardholder to locate and quote the 3-digits on the signature panel.
Terminal Display
VERIFICATION NO?
At this display screen, key in the Card Validation Code
then press ENTER.
NOTE: American Express cards have a four digit code located on the front of the card. Diners Club
cards have a three digit code on the reverse of the signature panel.
After Processing the Transaction:
• Check the card number details against those printed on the Transaction Record
• Ensure that‘Approved’or an approval number/code is printed on the Transaction Record.
Fraud Minimisation for Debit Cards
The following procedures are vital in helping you identify and minimise fraudulent debit
card transactions via your ANZ Merchant Facility.
Debit transactions are to be processed by inserting or swiping the presented card and
having the customer enter their PIN or in certain circumstances, their signature.
Cards Left at Premises
From time to time customers may accidentally leave their debit or credit cards behind at
your premises. To ensure any potential fraud is minimised and to better align with broader
industry practices, a change to existing handling process is required.
Upon discovering a card left at your premises, you are to perform the following tasks:
- Retain the card in a safe place for a period of up to two business days;
- Hand the card to the customer claiming the card only after having established the
claimant’s identity by comparing signatures; and
- If the requisite two business days have passed, destroy the card.
Should the cardholder enquire about their missing card, instruct them to contact their
issuing institution.
PCI DSS and Data Storage
What is the Payment Card Industry Data Security Standard (PCI DSS)?
PCI DSS is a set of standards implemented by the Card Schemes, MasterCard – Site Data
Protection (SDP), and Visa – Account Information Security (AIS), to manage the risk to
merchants of data breaches or hacker access. The standards apply to all merchants who
store credit card data in any formation, have access to credit card details, or have systems
which enable internet access to their company by the public.
Benefits to your business
• Ensuring the security of cardholder data can lessen the likelihood of a data breach being
traced back to your business

• Your business will experience continued patronage due to customers’confidence in the
secure storage of vital information
• Helps to identify potential vulnerabilities in your business and may reduce the
significant penalties and costs that result from a data breach.
Failure to take appropriate steps to protect your customer’s payment card details means
you risk both financial penalties and cancellation of your merchant facility in the event of a
data compromise.
Key areas of focus
PCI DSS covers the following six key principles:
• Build and maintain a secure network
• Protect cardholder data
• Maintain a vulnerability management program
• Implement strong access control measures
• Regularly monitor and test networks
• Maintain an information security policy.
What you need to do
MasterCard and Visa have created a set of tools and resources to assist you to implement
the PCI DSS. Visa’s program is called Account Information Security (AIS). MasterCard’s
program is called Site Data Protection (SDP).
For more information on working towards PCI DSS compliance, visit the PCI Security
Standards Council website at: pcisecuritystandards.org/index.shtml Storage of prohibited
cardholder data.
Storage of prohibited cardholder data
As a merchant, it is vital to protect your customers as well as your business against misuse
of credit & debit account information. It is essential that you do not store prohibited
cardholder data after a transaction is completed.
Specific data such as a cardholder name, account number and the expiration date may
be stored, but only if stored in accordance with the Payment Card Industry Data Security
Standard (PCI DSS).
Prohibited cardholder data including magnetic stripe data (track data), and Customer
Verification Value (CVV) must not be stored after a transaction is complete.
For more information into storage of prohibited data and processing procedures, please
visit visa-asia.com/secured.
Manual Debit Card Processing Procedure
If you are unable to process a debit transaction online due to a terminal, communications or
system failure, you may choose to process the transaction using the Manual Paper Voucher
system. Please report any terminal, communications and system failures to ANZ Merchant
Services immediately and obtain Authorisation to process the debit transaction manually.

12– 13
Under no circumstances is a Debit Card transaction to be processed as a Manual
Transaction where the card’s magnetic stripe is damaged or is unable to be read by the
Electronic Terminal. If this occurs please seek an alternative payment method from the
cardholder.
Before manually processing any other debit transactions, you must swipe the cardholder’s
card through the terminal to check if the failure has been rectified.
NOTE: The correct Paper Voucher should be used for the type of card being used and account being
accessed. (Please ensure you are using the correct Vouchers before processing the Manual Transaction
(for more information, please refer to section 15.1)
Authorisation must be obtained for all transactions over your Authorised Floor Limit. (For
more information on Authorised Floor Limits refer to section 1.4)
A Manual Debit Card Voucher is NOT to be prepared when the terminal error message indicates:
• Card damage
• Card error refer
• Card not accepted
• Invalid expiry date.
Another form of payment should be requested in this case.
Terminal Security
Your ANZ EFTPOS terminal is equipped with a number of in-built innovative security
features which are designed to protect your customers’information. By implementing the
recommendations below, you can help protect your business, your customers and your
reputation from credit and debit card fraud or misuse.
Recommendations
• Always ensure that terminals are secure and under supervision during operating hours
(including any spare or replacement EFTPOS terminals you have)
• Ensure that only authorised employees have access to your EFTPOS terminals and are
fully trained on their use
• When closing your store or kiosk, always ensure that your EFTPOS terminals are securely
locked and not exposed to unauthorised access
• Never allow your EFTPOS terminal to be maintained, swapped or removed without
advance notice from ANZ - be aware of unannounced service visits Only allow
authorised ANZ personnel to maintain, swap or remove your EFTPOS terminal, and
always ensure that security identifi cation is provided
• Inspect your EFTPOS terminals on a regular basis, to ensure that the terminal casing is
whole with external security stickers remaining unbroken and of a high print quality
• Ensure that there are no additional cables running from your EFTPOS terminal
• Make sure that any CCTV or other security cameras located near your EFTPOS terminal(s)
can not observe Cardholders entering details.

Important
Notify ANZ Merchant Services (24 hours / 7 days a week) on 1800 039 025 immediately if:
- Your EFTPOS terminal is missing
- You, or any member of your staff, is approached to perform maintenance, swap or
remove your EFTPOS terminal without prior notification from ANZ and/or Security
Identification is not provided
- Your EFTPOS terminal prints incorrect receipts or has incorrect details
- Your EFTPOS terminal is damaged or appears to be tampered with.
7. Errors and Disputes
A Return and Correction (R&C) refers to a Voucher from a debit or credit card transaction
that cannot be processed consequently the transaction is debited from your bank account
and returned to you for correction.
7.1 Typical Causes of Return and Corrections
• Incorrect Vouchers used and incorrect additions on Merchant Summary Vouchers
• Incomplete information eg. card imprint cannot be read on the Voucher
• Banking of Vouchers from other Schemes eg. American Express.
When you receive a R&C, an explanation will be given as to why it cannot be processed.
Make sure you rectify the problem before re-submitting the Voucher for processing. Please
ensure that the corrected Vouchers are submitted as soon as possible to ensure that the
Issuing Bank does not reject them as a result of being banked out of time.
7.2 Chargebacks
Please refer to the General Conditions of your ANZ Merchant Agreement. You may be
charged back for the value of a credit or debit (Schemes-issued) card sale where you have
failed to follow the Bank’s procedures as stated in this Merchant Operating Guide or in the
General Conditions of your ANZ Merchant Agreement.
NOTE: You must retain information about a transaction whether processed manually or electronically
for a period of 30 months from the date of the transaction or such other period required by Law or
notified by ANZ.
Chargebacks can occur for a number of reasons:
• A transaction has been processed using an invalid card ie. the card has expired or is not
yet valid
• A sale over your Floor Limit is processed without Authorisation
• A split sale is processed using two or more Vouchers
• A credit Voucher was not processed for returned goods
• A sale is processed without the cardholder’s authority.
A transaction can also be charged back to you if a cardholder disputes a transaction and
you are unable to produce copies of the relevant Transaction Vouchers.

14 – 15
NOTE: The examples given above are not an exhaustive list of the circumstances in which a transaction
may be charged back to you. Please refer to the General Conditions of your Merchant Agreement for
further information on Chargebacks.
If you need assistance understanding a particular Return and Correction or Chargeback,
please contact ANZ Merchant Services on 1800 039 025 (24 hours a day, 7 days a week).
8. ANZ POS Plus
This Merchant Operating Guide provides everything you need to know about processing
debit and credit card transactions using your ANZ POS Plus terminal.
This terminal is designed to accept payment using Magnetic Stripe and Chip Cards.
Please take time to read it thoroughly and ensure that your staff read it too.
8.1 Terminal Features
The ANZ POS Plus terminal incorporates a large backlit graphic screen, 18 function keys, a
Magnetic Stripe Card Reader and a Chip Card Reader.
8.2 Terminal Keypad
‘SOFT-FUNCTION’KEYS – CHQ (Green), SAV (Green) and CR (Red)
These soft-function keys allow you to access the particular account type required.
They are also used as function keys for special features such as security.
NUMBER KEYS (Black)
Use the number keys to enter in the transaction amounts, Authorisation Numbers and
when the hand key function is required.
CHQ, SAV & CR
(soft-function keys)
CANCEL key
CLEAR key
ENTER key
FUNCtion key
Chip Card Reader
Magnetic Stripe
Card Reader

ENTER (Green)
The ENTER key will turn the terminal on. It also confirms that all values and details
(including signatures and PINs) are correct in the EFT portion of the purchase, cash-out
(refer to section 12) and Refund Transactions (refer to section 13). It confirms that the
transaction can be sent to the Bank for verification and approval. It is also used to cycle
forward through the soft-function key menus.
CANCEL (Red)
The CANCEL key is used to cancel the current function and return the terminal to the idle
state. It is also used to cycle backwards through the soft-function key menus.
CLEAR (Yellow)
Press the CLEAR key to correct any invalid data entry. The CLEAR key will also cycle
backwards through the transaction steps if an error is made.
FUNC (Black)
Use the FUNC key to access the terminals function menus and Manual Hand key processing.
8.3 Card Reader
Magnetic Stripe Card Reader
The card can be read via the Magnetic Stripe Card Reader
located on the right hand side of the terminal.
The card can be read by swiping from the top to the
bottom of the terminal (or vice versa), with the magnetic
stripe facing down towards the terminal.
Use a regular movement to ensure a reliable card reading.
Chip Card Reader
Insert the Chip Card horizontally into
the bottom of the terminal with the metal chip facing
upwards. Leave the Chip Card in this position
throughout the transaction.
The Chip Card can be removed from the terminal when
signature verification is required or as instructed by the
terminal.

16 – 17
9. Processing a Sale
9.1 How to Process a Cheque or Savings Purchase Transaction (Applies to both Magnetic
Stripe and Chip Cards)
Please refer to your Point of Sale (POS) manual to
initiate transaction.
SWIPE OR
INSERT CARD
Perform card security checks then swipe or insert
the cardholder’s card. Magnetic Stripe cards are to
be swiped through the Magnetic Stripe Card Reader
whereas Chip Cards are to be inserted and left in the
Chip Card Reader.
SELECT ACCOUNT
CHQ SAV CR
Select Account
Press CHQ key for cheque account or
SAV key for savings account.
OR PLEASE SELECT
PRESS 1 VISA DEBIT
PRESS 2 EFTPOS SAV
PRESS 3 EFTPOS CHQ
Select Application*
Press the number on the keypad to make
selection or scroll and press ENTER to select.
*Application names and order can vary
depending on the Card that is used.
CHEQUE ACCOUNT
The selected account is displayed.
$600.00 KEY PIN
PROCESSING
PLEASE WAIT
Have the cardholder enter their PIN then
press ENTER.

APPROVED
Please ensure that you check for approval of the
transaction before completing the sale. Your POS
system should now print your transaction record.
If the transaction is declined, the terminal will display
an error message outlining the reason (please refer to
section 16).
9.2 How to Process a Credit Purchase Transaction using a Magnetic Stripe Card
Please refer to your Point of Sale (POS) manual to
initiate transaction.
SWIPE OR
INSERT CARD
Perform card security checks then swipe the
cardholder’s card.
SELECT ACCOUNT
CHQ SAV CR
Select Account
Press CR key for credit account.
OR PLEASE SELECT
PRESS 1 VISA DEBIT
PRESS 2 EFTPOS SAV
PRESS 3 EFTPOS CHQ
Select Application*
Press the number 1 on the keypad to make
selection or scroll and press ENTER to select.
*Application names and order can vary
depending on the Card that is used.
CREDIT ACCOUNT
The selected account is displayed.
$600.00 KEY PIN
Have the cardholder enter their PIN then press
ENTER.
PROCESSING
PLEASE WAIT
Terminal status is displayed.

18– 19
APPROVED
If the transaction is approved, this screen is displayed
and the Point of Sale system prints a customer
copy. Please check for approval of the transaction
before completing the sale. If rejected, the terminal
displays an error message outlining the reason.
Notify the customer, advise them to contact their
Card Issuer and seek an alternative form of payment.
If the transaction is rejected, the POS system will
print a second merchant transaction record with
“TRANSACTION CANCELLED TL” and “SIGNATURE
ERROR” printed on the bottom of the receipt. No
signatures are required.
NOTE: If ENTER, CLEAR or CANCEL are not pressed within one minute, the transaction is assumed to be
approved and the terminal will return to the start screen.

9.3 How to Process a Credit Purchase Transaction using a Chip Card
The process below provides a sample of a typical chip-based transaction. Please be aware
that there may be variances in the transaction flow based on the card configuration chosen
by the Card Issuer. Please ensure the terminal prompts are followed at all times and the
cardholder is requested to interact with the terminal whenever applicable.
Please refer to your Point of Sale (POS) manual to
initiate transaction.
SWIPE OR
INSERT CARD
Perform card security checks then insert the
cardholder’s Chip Card into the Chip Card Reader
at the bottom of the terminal. Leave the Chip Card
inserted until the transaction has been finalised.
SELECT ACCOUNT
CHQ SAV CR
Select Account
Press CR key for credit account.
OR PLEASE SELECT
PRESS 1 VISA DEBIT
PRESS 2 EFTPOS SAV
PRESS 3 EFTPOS CHQ
Select Application*
Press the number 1 on the keypad to make
selection or scroll and press ENTER to select.
*Application names and order can vary
depending on the Card that is used.
CREDIT ACCOUNT
The selected account is displayed.
$600.00 KEY PIN
************
Have the cardholder enter their PIN then press
ENTER.
PROCESSING
PLEASE WAIT
Terminal status is displayed.