TD iWL252 User manual

TD iWL252/255
Merchant Guide: UnionPay Cards
For the
• iWL252(Bluetooth)
• iWL255(3GWireless)

COPYRIGHT ©2016 by The Toronto-Dominion Bank
This publication is confidential and proprietary to The Toronto-Dominion Bank and is intended solely for the use of Merchant customers of TD Merchant
Solutions. This publication may not be reproduced or distributed, in whole or in part, for any other purpose without the written permission of an authorized
representative of The Toronto-Dominion Bank.
The Bluetooth® word mark and logos are registered trademarks owned by Bluetooth SIG, Inc. and any use of such marks by TD is under license. Other
trademarks and trade names are those of their respective owners.
NOTICE
The Toronto-Dominion Bank reserves the right to make changes to specifications at any time and without notice. The Toronto-Dominion Bank assumes no
responsibility for the use by the Merchant customers of the information furnished in this publication, including without limitation for infringements of intellectual
property rights or other rights of third parties resulting from its use.
MERCHANT INFORMATION
Merchant Name .............................................
Merchant Number ...........................................

- i -
UnionPay Cards Merchant Guide
Table of Contents
Who should use this guide?......................................................... 1
What is UnionPay? ....................................................................................................... 1
How do I identify a UnionPay card? ................................................................. 1
Financial Transactions.................................................................. 1
Transaction requirements ............................................................................................ 1
PIN entry ......................................................................................................... 1
Customer signature ......................................................................................... 1
Restrictions.................................................................................................................... 2
Sale (credit or debit card) ............................................................................................ 2
Sale (phone or mail) ..................................................................................................... 4
Void ............................................................................................................................... 4
Return ........................................................................................................................... 5
Pre-authorizations........................................................................................................ 6
Restrictions...................................................................................................... 6
Steps ............................................................................................................... 6
Open a pre-authorization............................................................................................ 6
Close a pre-authorization ............................................................................................ 7
Receipts ....................................................................................... 7
Receipt codes ................................................................................................................ 7

- ii -
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- 1 -
UnionPay Cards Merchant Guide
Who should use this guide?
YoushouldusethisguideifyouareaclientofTDMerchantSolutionsandperformtransactionsinvolvingUnionPaycredit
ordebitcardsduringthecourseofyourdailybusiness.
WhatisUnionPay?
UnionPayisaninternationalpaymentbrandthatisbecomingmorecommonlyusedworldwide.Youwillseeeither
singlebrandedcards(UnionPayonly)orco-brandedcards(UnionPayandanotherpaymentbrand).
*Morebrandsmaybeaddedovertime.
How do I identify a UnionPay card?
UnionPaycardsareeasytoidentifybytheirlogoshownbelow.
UnionPaycards
Currentlytheyofferthefollowingcards:
Single branded Co-branded
Credit card UnionPay UnionPayco-brandedwithVisa,
MasterCard,AmericanExpress,JCBor
DinersClub
Debit card UnionPay UnionPayco-brandedwithInteracDebit
orVisaDebit*
Financial Transactions
YoucanperformanyfinancialtransactionswithaUnionPaycardthatyouwouldwithanothercard.
Transactionrequirements
UnionPaysometimesrequirescustomerstoverifytheiridentityindifferentwaysthanwhatweareusedto.Thetwomost
commoncustomerverificationmethodsare:
PIN entry
TheterminalmayrequestthecustomertoentertheirPINforanytransaction.Forcreditcards,thecustomercanbypassthis
PINrequest,butiftheydoandthePINisrequestedagain,theymustentertheirPIN.DebitcardsalwaysrequireaPIN.
Customer signature
Thecustomermayberequiredtosignthemerchantreceipt.Thiscanoccurforanytransaction,evenonewherethe
customerhasalreadyenteredtheirPIN.IfyouseeasignaturelineontheMerchantreceipt,thecustomermustsignthe
receipt.Failuretodosomaypreventyoufrombeingpaidforthetransaction.

- 2 -
Restrictions
Thefollowingarenot allowedforUnionPaycards:
• Accountselection(chequingorsavings) on
debitcardtransactions-adefaultsettingwill
beused
• Nosignaturerequired(NSR)transactions
• Offlineauthorizations
• Partialsaleapprovals
• Transactionsinforeigncurrencies
• Voiceauthorization/forcedposttransactions
• Cashback
Sale(creditordebitcard)
1. Press /F1.
2. Enterthetotal dollar amount forthesaleand
pressOK.
3. Customerconfirmsthedollaramountandpresses
YesorNo.
4. Performoneofthefollowingpaymentmethods:
Contactless, Insertor Swipe.
Contactless
a) Thecustomertapstheircontactless-
enabledcreditcardonthecontactless
cardreader.Gotostep5.
Insert card
a) Thecustomerinsertstheircreditcard.
b) ThecustomerenterstheirPINandpresses
OK(creditcardonly).Gotostep5.
Swipe card
a) Merchantswipesthecard.
b) Thecustomerselectstheirpayment
method: Co-brandorUnionPay.
c) Verifythecardinfowithwhatisonthe
terminalscreenandpressOK.
d) Ifthetransactionisdeclined,pleaseretry
butselecttheotherbrandoptioninstep
b.Forexample,ifyoupreviouslyselected
Co-brand forthedeclinedtransaction,
selectUnionPaythistime.
5. Thescreenshowsthatthetransactioniscompleted
withanauthorizationnumberorapprovedmessage.Ifthereceiptrequeststhecustomer’ssignature,they
mustsignthereceipt.Ifyoudonotreceivetheirsignature,youmayberesponsibleforchargebacks.
6. YoucanREPRINTthereceiptorFINISHthetransaction.
Merchant Name
Address
City, Province
Merchant Number
Terminal ID
SALE
06-16-2016 12:41:02
A
cct # 455763******1632 SN
Card Type UP
Name: nnnnnnn
Trace # 010103
Inv # 109
Auth #089090 RRN 001003099
Sale $9.00
TOTAL $9.00
+++++++++++++++++++++++
APPROVED-THANK YOU
+++++++++++++++++++++++
Retain this copy for your
records
Merchant copy

- 3 -
UnionPay Cards Merchant Guide
SWIPE CARD
INSERT
CARD
UNIONPAY
ENTER PIN
(optional)
RECEIPTS
(optional)
FINISHED
ENTER AMOUNT SPLIT OR PAY FULL?
(optional)
CONTACTLESS
SELECT PAYMENT
OPTION
CONFIRM PAYMENT
OPTION
TIP?
(optional)
SELECT PAYMENT
OPTION
CONFIRM AMOUNT
CO-BRAND

- 4 -
Sale(phoneormail)
1. P r e s s  /F4Phone / Mail Sale.
2. Enterthedollar amountandpressOK.
3. Entertheaccount numberandpressOK.
4. Entertheexpiry dateandpressOK.
5. EntertheCVD numberandpressOK.Thisisan
optionalstepandisdependentuponyoursettings
andthecardrequirements.
6. Thescreenshowsthatauthorizationnumber,the
transactiontotalandthereceiptsprint.
Void
Thistransactionisusedtocorrectapreviouslyentered
transactionfromtheterminalinthecurrent,openbusinessday.
YoucanalsouseTransactionRecalltorecallandcancel/voida
transactionbasedoninformationotherthanthetrace#.
1. PressOKVoid.
2. Enterthetrace #forthetransactiontobevoided
andpressOK.
3. Verifythatthisisthecorrecttransaction:Voidor
Back.Ifyouselectback,youcanenteranewtrace
#tovoid.
4. Thevoidedtransactionreceiptsprint.
Merchant Name
Address
City, Province
Merchant Number
Terminal ID
PH/MAIL SALE
06-16-2016 12:41:02
A
cct # 476173******0010 M
Card Type UP
Name: nnnnnnn
Trace # 010017
Inv # 3
Auth #010589 RRN 001003099
PH/Mail Sale $11.00
TOTAL $11.00
Retain this copy for your
records
Merchant copy
• These instructions are used for sales where the card is not
present. If the card is present at sale, see Sale (credit card).
If you use the incorrect sale transaction you could incur extra
charges.
• There are risks performing transactions when the credit card
is not present. Ensure that you perform all of the available
security checks for phone / mail sale.
Merchant Name
Address
City, Province
Merchant Number
Terminal ID
VOID SALE
06-16-2016 12:41:02
A
cct # 455763******1632 SN
Exp Date: 10/20 Card Type UP
Name: nnnnnnn
Trace # 010112
Inv # 5
Auth #010590 RRN 001003099
TOTAL $25.00
+++++++++++++++++++++++
00 APPROVED-THANK YOU
+++++++++++++++++++++++
Retain this copy for your
records
Merchant copy
If you have closed the business day that the transaction was performed
in, you can only perform a return. The option to void the transaction
is no longer available.

- 5 -
UnionPay Cards Merchant Guide
Return
Youcanonlyperformareturnonatransactionthathasalready
beensubmittedforreimbursement.
1. P r e s s  OKReturn.
2. Enterthedollar amountandpress OK.
3. Customerconfirmsthedollaramountandpresses
YesorNo.
4. Performoneofthefollowing:Insert ,Swipeor
Manual entrythecardinquestion.
Insert card
a) Verifythecardinfowithwhatisonthe
screenandpressOK.
b) Thecustomermayberequiredtoenter
theirPIN.Gotostep5.
Swipe card
a) Verifythecardinfowithwhatisonthe
screenandpressOK.Gotostep5.
Manually enter card
a) Entertheaccount numberandpressOK.
b) Entertheexpiry dateandpressOK.Thisis
fourdigitsinlength.
c) Indicateifthereturnisforaphone/mail
sale:Yesor No.Gotostep5.
5. Thescreenshowsthatauthorizationnumber,the
transactiontotalandthereceiptsprint.The
customermustsignthesignaturefieldonthe
merchantcopy.
Merchant Name
Address
City, Province
Merchant Number
Terminal ID
RETURN
06-16-2016 12:41:02
A
cct # 476173******0010 M
Card Type UP
Name: nnnnnnn
A
00000000980840
Trace # 010009
Inv # 17
Auth #931333 RRN 001003099
Return $15.00
TOTAL $15.00
RETURN
+++++++++++++++++++++++
APPROVED-THANK YOU
+++++++++++++++++++++++
X________________________
Signature
Retain this copy for your
records
Merchant copy
Debit returns are disabled by default. If you wish to activate debit
returns on your terminal please call the TD Merchant Solutions Help
Desk at 1-800-363-1163.

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Pre-authorizations
Thistransactionisgenerallyusedbyhotels,restaurantsthatdeliverfoodandcarrentalagencies.Byrunninga
pre-authorizationthemerchantverifiesthatthecustomer’screditcardcurrentlyhastheavailablefundsforthe
purchase.Thepre-authorizedamountischargeduponcompletionofthetransactionatalatertimeordate.
Restrictions
• Activateonterminal(s)-Ifyouwishtousepre-authoriizationsinyourbusiness,youmustcontactTDMerchant
SolutionsHelpDesktoactivateit.
• Pre-authorizationscanbeleftopenfor10daysmaximum.
Steps
Thepre-authorizationoptionhastwosteps:
• Open
• Close
Openapre-authorization
Performthistransactionifyouwishtocreateanewpre-authorization.
1. Press /F3 key.
2. Enterthetotal dollar amount forthepre-authorization
andpressOK.
3. Customerselectsoneofthefollowingpaymentmethods:
Insert,Swipeor Contactless.
Contactless
a) Thecustomertapstheircontactless-enabledcredit
cardonthecontactlesscardreader.Gotostep4.
Insert card
a) Thecustomerinsertstheircreditcard.
b) ThecustomerenterstheirPINandpressesOK (credit
cardonly).Gotostep4.
Swipe card
a) Merchantswipesthecreditcard.
b) ThecustomerselectsUnionPayastheirpayment
method: Co-brandorUnionPay.
c) Verifythecardinfowithwhatisontheterminal
screenandpressOK.
d) Ifthetransactionisdeclined,pleaseretrybutselect
thebrandoptioninstepb.Forexample,ifyou
previouslyselectedCo-brand forthedeclined
transaction,selectUnionPaythistime.
4. Thescreenshowsthetransactiontotalandthereceipts
print.Thecustomermustsignthesignaturefieldonthe
merchantcopy.
Merchant Name
Address
City, Province
Merchant Number
Terminal ID
PREAUTHORIZATION
06-16-2015 12:41:02
A
cct # 455763******1632 C
Exp Date 12/18 Card Type UP
Name: nnnnnnn
Trace # 050034
Inv # 62
Auth # 010669
RRN 001003099
Pre-Auth Sale $30.00
Tip $__________
TOTAL $__________
X _______________________
Signature
I agree to pay the above total
amount according to the card
issuer agreement.
Retain this copy for your
records
Merchant copy
The customer may be required to swipe or
insert their card in some cases.

- 7 -
UnionPay Cards Merchant Guide
Closeapre-authorization
Performthistransactionifyouneedtocloseanexisting
pre-authorization.
1. Press / F2 key.
2. Enterthetracenumberfromtheinitialpre-authori-
zationreceiptandpressOK.
3. Closethepre-authorization:ComporBack.
4. Enterthetip amount signedforbytheclienton
theoriginalreceiptandpressOK.
5. Confirmthedollaramountandpress:Acceptor
Change.
6. Iftheamountexceedstheallowablelimiteither
confirmorcancelthetransaction:OKorCancel.
IfyoupressOKyouwillbepromptedfora
supervisorIDandpasswordtocontinuewiththe
higheramount.Gotostep7.
IfyoupressCancelprocesswillbecancelledand
youwillreturntotheIdlescreen.
7. Thescreenindicatesthatthetransactionis
approvedandthereceiptsprint.
8. Ifthereareotherpre-authorizationsopenyouwill
bepromptedwiththeoptiontocloseanother:Yes
orNo.
Receipts
Eachtransactionhasadifferentreceiptandmostoftheinformationispurelyforrecordkeeping.Thereisimportant
information that youneedtobeawareoftoensurethatyourtransactionshavecompletedcorrectly.
Receiptcodes
Card type
UP UnionPay
Important information
Trace # Thetracenumberassociatedwiththetransaction
Inv # Theinvoicenumberassociatedwiththetransaction.
Auth # Theauthorizationnumber associatedwiththetransaction
Signature Thecardissuerdetermineswhenasignaturesisrequiredforatransactionsoensurethattheclientsigns
thesereceipts.
Approved AlwaysensurethatthetransactionwasapprovedasitcouldbeDECLINED.
Merchant Name
Address
City, Province
Merchant Number
Terminal ID
PRE-AUTH COMP.
06-16-2016 14:57:07
A
cct # 455763******4444 C
Exp Date: 10/18 Card Type UP
Name: nnnnnnn
Trace # 40001
Inv # 109
Auth #132098 RRN 001003099
Pre-Auth Sale $30.00
Tip $5.00
TOTAL
$35.00
+++++++++++++++++++++++
00 APPROVED-THANK YOU
+++++++++++++++++++++++
Retain this copy for your
records
Merchant copy

- 8 -
Thispageisintentionallyleftblank.

Call Centre Information
PleasecalltheTDMerchantSolutionsHelpDeskat1-800-363-1163.Wewouldbehappytoansweranyquestionsyou
mayhave.
Authorization:
24hoursaday,sevendaysaweek
Terminal Inquiries:
24hoursaday,sevendaysaweek
General Merchant Inquiries:
Monday–Friday,8a.m.–8p.m.ET
Printer / Stationery Supplies:
Monday–Friday,8a.m.–5p.m.ET
Documentation Portal
ThisGuidecoversthemostcommonlyusedinformationinordertogetyoustarted.Yourterminalhasmorefeaturesand
functionalitytoexploreonourdocumentationportalwww.TDMerchantSolutions.com/ResourceCentre.

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