BWA Merchant Services PC-EFTPOS User manual

Page 1 10-Aug-11
PC-EFTPOS
Reference Guide
Version 2.04
August 2011
Vx810

Page 2 10-Aug-11
Table of Contents
PC-EFTPOS Contact Details.............................................................................................................................2
Introduction........................................................................................................................................................2
Using PC-EFTPOS with a POS.........................................................................................................................3
BWA Merchant Services Specific Details.........................................................................................................3
Terminal Functionality Supported by BWA Merchant Services.......................................................................3
PC-EFTPOS Hardware Installation...................................................................................................................4
PC-EFTPOS Software Installation ....................................................................................................................5
PC-EFTPOS Overview......................................................................................................................................6
Function Key Menus..........................................................................................................................................7
System Timeouts................................................................................................................................................8
PC-EFTPOS Generated Response Codes..........................................................................................................9
BWA Merchant Services Generated Response Codes.....................................................................................15
Settlement Receipts and Options.....................................................................................................................18
Receipt Layouts ...............................................................................................................................................20
Trouble Shooting .............................................................................................................................................23
Who to Contact for Help..................................................................................................................................25
PC-EFTPOS Contact Details
PC-EFTPOS office hours are Monday to Friday, 8:30am to 10:00pm EST.
Sat, Sun and Public holidays (with the exception of Good Friday, Easter Sunday, Anzac Day, Christmas
Day and Boxing Day), 10am to 3:00pm
PC-EFTPOS Reception: Phone [phone]
PC-EFTPOS Website: http://www.pceftpos.com/
Support Website: http://support.pceftpos.com/
General Enquiries Email: [email protected]
Introduction
The PC-EFTPOS terminal allows online transactions to be processed for Debit Cards (Savings and Cheque
accounts), Credit Cards (Visa and MasterCard) and Charge Cards (American Express, Diners Club and JCB)
The features of PC-EFTPOS include:
Process Purchases, Cashout, Refunds
Process Mail/Telephone Order Transactions
EFB/SAF
EMV
Integrate to POS
PSTN, SSL/IP or WAN communications
Remote software and configuration download via TMS

Page 3 10-Aug-11
Using PC-EFTPOS with a POS
When PC-EFTPOS is configured to be used with a POS, all the EFTPOS functionality is initiated through
the POS. Consult your POS vendor on the operation of EFTPOS through your POS.
BWA Merchant Services Specific Details
BWA Merchant Services help Desk Number: 1800 655 204
Requires both terminal ID and merchant ID.
Terminal Functionality Supported by BWA Merchant Services
Functionality
EFTPOS Functionality:
Purchase

Cash Out

Purchase + Cash Out

Refund

MOTO processing

Pre-Authorisation

Completion

Tipping

Training Mode

Balance Enquiry
Voucher Entry
Electronic Fallback (EFB)

EMV processing

Settlement Options
Settlement

Pre-Settlement

Last Settlement
Sub-Totals
Summary Totals
Shift Totals

Hardware Options:
PX318 Pinpad
PX328 Pinpad
PX368 Pinpad
NPT Terminal
Verifone Vx810


Page 4 10-Aug-11
PC-EFTPOS Hardware Installation
PINPad
Each payment counter in the proposed solution will have a Verifone Vx810 PIN-Pad for
swiping/inserting customer‟s cards and for customers to type in their PIN (where applicable).
The PIN-Pad is used to encrypt sensitive data within financial transactions, and perform all
(logical) communications with the acquirer and TMS hosts. To this end, the Vx810 PIN-Pad
is already certified as compliant with the current PCI and EMV (Level-1 and Level-2)
security standards.
The Vx810 PIN-Pad has the following features:
Alphanumeric/Numeric/Special-character data entry capability
Function keys
Programmable/Soft keys
Support for ISO8859-1 character set
OK, CANCEL, CLEAR keys
128 x 128 pixel LCD screen
Magnetic Stripe Card reader
Integrated Circuit Card reader
USB serial interface
The communication medium between the PIN-Pad and the ECR/POS will be a USB connection emulating a
RS232 serial connection.
When connected to the PC, your PIN-Pad will appear under Windows Device Manager -> Ports.
(To see all your communication ports - Click Windows Start button, Right click on “My Computer”, Select
“Manage”, Click on “Device Manager”, Click on „+‟ icon in front of “Ports”)
For more information on installing the Verifone Vx810 PIN-Pad, please refer to the “PC-EFTPOS BWA
Merchant Services (Verifone Vx810) Installation Guide”
Hardware Installation

Page 5 10-Aug-11
PC-EFTPOS Software Installation
1. Install Terminal
See Hardware Installation for PINpad.
2. Install Software
If the POS does not have the latest PC-EFTPOS software installed, install the software from the PC-
EFTPOS installation CD, or the setup file available for download from our website.
http://www.pceftpos.com.au/files/releasecd/CurrentReleaseCD/Software/Installer/PC-
EFTPOS%20Setup.exe
Please refer to the “PC-EFTPOS BWA Merchant Services (Verifone Vx810) Installation Guide” for more
information
3. Configure Terminal
To configure the terminal, either
The terminal will prompt the user to enter the TID upon initial bootup.
Manually enter the TID provided to you by BWA Merchant Services in to the PINPad and press
<Enter> ; or
From the Client Control Panel, go to the setup page and enter the details and press APPLY. The
confirmation password is 7410
OR
Consult your POS provider to see how the details are entered into the POS
5. Logon
Open the PC-EFTPOS EFTPOS Control Panel and click on the “Logon” button.
6. Ready to Go
If the previous steps were successful the PINpad is ready to use.
PC-EFTPOS Client icon

Page 6 10-Aug-11
PC-EFTPOS Overview
EFT-Client Settings:
EFTPOS Control Panel
Press the control panel button on the Client settings page (above) to activate the control panel.
COM port: that the pinpad is
plugged into.
Printer: (Not used when POS is
printing). NPT denotes using
the internal printer of NPT
Host Interface: This is
normally the loop back address
(127.0.0.1) or left blank for
WinXP machines. NPT
indicates to use the internal
NPT modem.
Tracing: This is enabled by
default and records information
on the hard-drive to help us
track down any issues.
Logon: Performs a
logon to the host
Reprint: reprints
last receipt
Diagnostics:
Provides reports on
s/w configuration
and version
Setup Page:
Enter terminal
details.
Press APPLY and
then 7410 as the
password

Page 7 10-Aug-11
Function Key Menus
To access the functions, press the F2 key on the pinpad when the terminal is in its IDLE mode. The
following function menus are available: (Use F1/F2 to scroll/page-up and F3/F4 to scroll/page-down in
multi page menus)
Function Number
Description
1
PINPad Settings Menu
2
Send Stored Trans
3
Send Test Message
4
Reboot PIN-Pad
5
Display Version
6
Display TID/MID
1. PIN-Pad Settings Menu
(Page1/1)
Option
Description
1
Timeouts
1. User Entry Timeout
2. Error Screen Timeout
2
Profile Maintenance
3
Marketing Message

Page 8 10-Aug-11
System Timeouts
The PIN pad will support the following 'time outs' for its PCEFTPOS Client and Network interface:
PINPAD
TIMEOUT
EVENT
3 seconds
PCEFTPOS Client ACK to PIN pad request
3 seconds
PCEFTPOS Client ACK to send Host message request
10 seconds
PCEFTPOS Client response to display request
10 seconds
PCEFTPOS Client response to print request
45 seconds
Host response to Financial Transaction requests
45 seconds
Host response to administration requests
45 seconds
Host response to Reversals and SAF uploads
60 seconds
Customer response to Card entry prompt
30 seconds
Customer response to Account prompt
60 seconds
Customer response to PIN entry prompt
180 seconds
PCEFTPOS Client response to insert slip request
120 seconds
PCEFTPOS Client response to verify signature request

Page 9 10-Aug-11
PC-EFTPOS Generated Response Codes
As such, any of the following response-codes can be taken to mean that an operation has been
completed successfully:
00: Online transaction has been approved by the host
08: Online transaction has been approved by the host pending customer signature
verification
11: Online transaction has been approved by the host and the customer is a VIP
Y1: EMV transaction has been approved offline
Y3: EMV transaction has been approved by default
T0: PIN-Pad operation completed successfully
Aside from response-codes T0, Y1 and Y3, all of the response-codes in the table below
represent fatal error conditions which have occurred during processing of a PC-EFTPOS
ECR/POS to PIN-Pad command on the terminal/PIN-Pad. In each case (aside from response-
codes T0, Y1, Y3), the terminal/PIN-Pad will abandon processing of the current transaction
and generate a corresponding reversal transaction if required.

Page 10 10-Aug-11

Page 11 10-Aug-11

Page 12 10-Aug-11

Page 13 10-Aug-11

Page 14 10-Aug-11

Page 15 10-Aug-11
BWA Merchant Services Generated Response Codes
*For assistance with the following codes, contact BWA Merchant Services.
Response
Code
Description
PIN Pad Display
00
Approved or completed successfully
Approved
01
Declined-refer to card issuer
Transaction Declined
Please Call
02
Declined-issuer‟s special conditions
Transaction Declined
Call Referral
03
Invalid sequence number
System Error
See Your Bank
04
Pick up card
Transaction Declined
See Your Bank
05
Do not honour
Transaction Declined
See Your Bank
07
Pick up card-special conditions
Transaction Declined
See Your Bank
08
Honour with identification
Sign receipt
09
Request in progress
Declined
Error in Processing
10
Approved for partial amount
Approved
11
Approved VIP
Approved
12
Invalid Transaction
Transaction Declined
Invalid Transaction
13
Invalid Amount
Transaction Declined
Invalid Amount
14
Invalid card number (no such number)
Transaction Declined
Card Not Valid
15
No such issuer
Transaction Declined
Card Not Valid
16
Approved - update track 3
Approved
19
Re-enter transaction
Transaction Declined
Retry Transaction
21
No action taken
(For a request response)
Transaction Declined
No Action taken
(For a reversal response)
Approved
22
Suspected malfunction
System error
23
Unacceptable transaction fee
Transaction Declined
See Your Bank
25
Unable to locate record on file
Transaction Declined
See Your Bank
30
Format Error
Transaction Declined
Format Error
31
Bank not supported by switch
Transaction Declined
Card Not Valid
32
Completed partially - not supported
Transaction Declined
See Your Bank
33
Expired card
Transaction Declined
Card Expired
34
Suspected fraud
Transaction Declined
Card Error
35
Card acceptor contract acquirer
Transaction Declined
Card Error
36
Restricted card
Transaction Declined

Page 16 10-Aug-11
Response
Code
Description
PIN Pad Display
Card Error
37
Card acceptor call acquirer security
Transaction Declined
See Your Bank
38
Allowable PIN retries exceeded
Transaction Declined
PIN tries exceeded
39
No credit account
Transaction Declined
Invalid Account
40
Requested function not supported
Transaction Declined
Invalid Transaction
41
Lost card
Transaction Declined
See Your Bank
42
No universal account
Transaction Declined
Invalid Account
43
Stolen card
Transaction Declined
See Your Bank
44
No investment account
Transaction Declined
Invalid Account
51
Not sufficient funds
Transaction Declined
See Your Bank
52
No cheque account
Transaction Declined
Invalid Account
53
No savings account
Transaction Declined
Invalid Account
54
Expired card
Transaction Declined
Card Expired
55
Incorrect PIN
Transaction Declined
PIN Incorrect
56
No card record
Transaction Declined
Invalid Card
57
Transaction not permitted to cardholder
Transaction Declined
Invalid Transaction
58
Transaction not permitted to terminal
Transaction Declined
Invalid Transaction
59
Suspected fraud
Transaction Declined
See Your Bank
61
Exceeds withdrawal amount limit
Transaction Declined
Exceeds Limit
62
Restricted Card
Transaction Declined
See Your Bank
64
Original amount incorrect
Transaction Declined
Invalid Amount
65
Exceeds withdrawal frequency limit
Transaction Declined
See Your Bank
66
Card acceptor call acquirer‟s sec dept.
Transaction Declined
See Your Bank
67
No card record
Transaction Declined
Invalid Card
68
Response received too late
Transaction Declined
No Response
72
Pre Auth Completion amount too large (> 115% of orig pre auth)
Declined
73
Completion declined pre auth has expired
Declined
74
Completion does not match a pre auth held on file
Declined
75
Allowable number of PIN tries exceeded
Transaction Declined

Page 17 10-Aug-11
Response
Code
Description
PIN Pad Display
PIN tries exceeded
76
Invalid product codes
Transaction Declined
See Your Bank
77
Reconcile error
Transaction Declined
See Your Bank
78
Trace number not found
Transaction Declined
See Your Bank
79
Batch error
Transaction Declined
See Your Bank
80
Batch number not found
Transaction Declined
See Your Bank
81
CVV Validation Crypto error
Transaction Declined
System Error
82
Invalid CVV on card
Transaction Declined
Card Not Valid
83
Reserved
Transaction Declined
See Your Bank
85
Batch not found
Transaction Declined
See Your Bank
88
AMEX Only
Transaction Declined
Contact AMEX
89
Bad terminal ID
Transaction Declined
See Your Bank
91
Issuer or switch is inoperative
Transaction Declined
Link Down
93
Transaction can not be completed
Transaction Declined
System Error
94
Duplicate transmission
Transaction Declined
System Error
95
Reconcile error
Transaction Declined
System Error
96
System malfunction
Transaction Declined
System Error
98
MAC error
Transaction Declined
System Error

Page 18 10-Aug-11
Settlement Receipts and Options
Pre-Settlement Receipt
------------------------
MERCHANT NAME
MERCHANT ADDRESS 1
MERCHANT ADDRESS 2
TERMINAL ID xxxxxxxx
Terminal ID of terminal
SEQUENCE NO 999999
STAN
PRE SETTLEMENT AS AT
DD/MM/YY HH:MM 999999
PRE SETTLEMENT SUMMARY
CREDIT CARD
Bank totals for credit and Debit
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
nnn $$$$$$$.cc
DEBIT CARD (chq/sav)
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
Cash nnn $$$$$$$.cc
nnn $$$$$$$.cc
TOTALS
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
Cash nnn $$$$$$$.cc
nnn $$$$$$$.cc
Not For Value Totals
Totals for non bank affiliated cards.
CREDIT CARD
Auth nnn $$$$$$$.cc
DINERS
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
AMEX
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
JCB
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
GREETING TEXT 1
GREETING TEXT 2
------------------------

Page 19 10-Aug-11
Settlement Receipt
------------------------
MERCHANT NAME
MERCHANT ADDRESS 1
MERCHANT ADDRESS 2
TERMINAL ID xxxxxxxx
Terminal ID of terminal
SEQUENCE NO 999999
STAN
PRE SETTLEMENT AS AT
DD/MM/YY HH:MM 999999
PRE SETTLEMENT SUMMARY
CREDIT CARD
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
nnn $$$$$$$.cc
DEBIT CARD (chq/sav)
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
Cash nnn $$$$$$$.cc
nnn $$$$$$$.cc
TOTALS
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
Cash nnn $$$$$$$.cc
nnn $$$$$$$.cc
Not For Value Totals
CREDIT CARD
Auth nnn $$$$$$$.cc
DINERS
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
AMEX
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
JCB
Purch nnn $$$$$$$.cc
Ref nnn $$$$$$$.cc
GREETING TEXT 1
GREETING TEXT 2
------------------------

Page 20 10-Aug-11
Shift Totals Receipt
------------------------
MERCHANT NAME
MERCHANT ADDRESS 1
MERCHANT ADDRESS 2
SHIFT TOTALS
DD/MM/YY HH:MM 999999
TERMINAL ID ttttttttttt
SHIFT TOTAL
SUMMARY
PURCHASE nnn $$$$$$$.cc
Totals calculated by terminal
CASH OUT nnn $$$$$$$.cc
TIPS nnn $$$$$$$.cc
REFUND nnn $$$$$$$.cc
NET nnn $$$$$$$.cc
OFFLINE nnn $$$$$$$.cc
------------------------
Receipt Layouts
Logon Receipt
---------------------------
MERCHANT NAME
MERCHANT ADDRESS 1
MERCHANT ADDRESS 2
TERMINAL ID tttttttt
SEQUENCE NO 999999
System Trace Audit Number
************************
dd/mm/yy hh:mm
If a response is received from the host within the allowed communication
timeout period, then the date from the host’s response message shall be
printed, otherwise the terminal’s local date shall be printed.
LOGON SUCCESSFUL
APPROVED - otherwise error lines
PLEASE RETAIN FOR
YOUR RECORDS
GREETINGLINE 1
GREETINGLINE 2
---------------------------