VeriFone PAYWARE MOBILE 1.0004 User manual

PAYware Mobile User Guide
Version 1.0004

PAYware Mobile 1.0004 – User Guide 06/22/2010 Page 1 of 34
Notice
Copyright June 2010, VeriFone Systems, Inc. All rights reserved. VeriFone, the VeriFone logo,
PAYware®, PAYware Mobile™, PAYware Connect™, and VeriShield Protect are either trademarks or
registered trademarks of VeriFone in the United States and/or other countries.
Apple, the Apple logo, iPhone 3G®, iPhone 3GS®, iPhone 4G®, and iPod touch®are registered
trademarks of Apple Inc., registered in the U.S. and other countries. App StoreSM is a service mark of
Apple Inc.
PAYware Mobile Sales: [phone]
PAYware Mobile Support: [phone]
www.paywaremobile.com

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Table of Contents
Notice.................................................................................... 1
Overview................................................................................ 3
Why PAYware Mobile 3
Getting Started ....................................................................... 4
Downloading PAYware Mobile App from App Store ..................... 4
Launch PAYware Mobile .......................................................... 5
Setting Up PAYware Mobile ..................................................... 6
Initial Setup Assistant ............................................................. 7
Setup Account ........................................................................ 7
Activate Account..................................................................... 7
Learn More ............................................................................ 7
Test Drive .............................................................................. 8
Merchant Settings................................................................... 8
Registering your iPhone with PAYware Connect 8
Registering your iPhone with PAYware Connect (UDID Method) 9
Clear Account From iPhone11
Live Mode 11
Test Drive Mode 11
Demo Mode 12
Device Fields 12
Accepted Cards and Available Transactions 12
Email Device ID 12
Application Settings .............................................................. 12
Secure Card Reader Settings ................................................. 14
Secure Card Reader Diagnostics 15
PAYware Mobile Help Files .................................................... 16
Processing Transactions with PAYware Mobile......................... 17
Standard Transaction Processing ......................................... 18
Transaction Info 20
VSP Status/Responses 21
Additional Features of the Transaction Info Screen 22
PAYware Mobile Reports ....................................................... 23
Additional Information Options ............................................... 24
Daily Summary Report........................................................... 25
Transaction Search26
Last Transaction Search 27
Transaction Log 28
Merchant Portal .................................................................... 29
User Management 30
Settlement 31
Contact Information............................................................... 33
Telephone 33
Web Site 33

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Overview
PAYware Mobile is VeriFone’s mobile payment solution that works with iPhone 3G, iPhone 3GS,
iPhone 4G, and iPod touch running OS 3.1.2 or higher. PAYware Mobile is the perfect complement to
a total business operations solution by consolidating all payments in one centralized portal. For
merchants who have multiple points of payment—storefront, remote sales, and telephone orders—
adding the ability to take payments wherever the need arises enables increased sales by offering
the payment option of credit cards at any time. Expand your customer base by serving merchants on
the go who previously have not wanted to invest in a full-blown Point of Sale (POS) solution or
mobile payment terminal.
PAYware Mobile works in conjunction with PAYware Connect, our hosted payment gateway solution
that routes transactions to various U.S. payment processing companies. One of the benefits of using
our gateway is that data is encrypted with VeriShield Protect at the card swipe, giving you the
peace of mind that your customers’ data is secure.
The PAYware Mobile Secure Card Reader is only compatible with the iPhone 3G and the iPhone 3GS.
It is not compatible with the iPod touch. However, you may perform manually keyed transactions
using the PAYware Mobile application on the iPod touch.
Why PAYware Mobile
All merchants who accept credit cards for payments know that in doing so, consumers tend to spend
more and shop more often when paying with credit cards. Many smaller businesses, such as home
services and delivery, have not yet had the ease to accept electronic payments. PAYware Mobile is
ideal for small businesses—such as cafes, door-to-door sales, and home repair services—that
typically haven’t been able to access payment applications.
Credit cards can be accepted by manually keying the card number into the iPhone 3G, iPhone 3GS,
iPhone 4Gor iPod touch, or by swiping the card through the attached PAYware Mobile Secure Card
Reader. When the card is swiped, the card data is automatically encrypted with VeriShield Protect.
PAYware Mobile is PA-DSS 1.2 validated by the Payment Card Industry Security Standards Council
(PCI SSC) therefore ensuring the highest security standards for payment applications.

Getting Started
Downloading PAYware Mobile App from App Store
The App Store contains many credit card applications, but none like the PAYware Mobile. PAYware
Mobile supports VeriShield Protect's End-to-End Encryption through the PAYware Mobile Card
Encryption Sleeve, encrypting the transaction data at the time the card is swipe. PAYware Mobile is
a free download and can be downloaded directly to your iPhone or iPod touch from the App Store.
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Launch PAYware Mobile
Once the PAYware Mobile App has been installed on your iPhone, you may start the application by
touching the “PAYware” icon on the iPhone home screen.
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After PAYware Mobile displays its splash screen, you will be asked to create a Security PIN (prior to
accessing the main transaction screen).
Setting Up PAYware Mobile
Once you have set up your PIN, you will be directed to the Initial Setup Assistant to configure the
PAYware Mobile application.
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Initial Setup Assistant
PAYware Mobile includes a simple-to-use setup screen that helps merchants to learn more about the
app before actually using it as well as offering assistance in setting up the application. Each of the
four options has an explanation describing its functions.
Setup Account
When you're ready to set up a live, ready-to-process merchant account, touch this button. PAYware
Mobile will guide you through all the necessary steps. It's recommend that you touch the Learn
More and Test Drive buttons before setting up your account.
Activate Account
Once you've touched the Setup Account button and completed setup process, you'll receive an
Activation email confirming your live account status on PAYware Connect. You should touch the
Activate Account button after you receive that email.
Learn More
Our PAYware Mobile website (www.paywaremobile.com) has an abundance of information to help
merchants learn more about PAYware mobile, its processes, and our partners.
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Test Drive
PAYware Mobile's Test Drive Mode can be used to familiarize individual merchants with the use of
PAYware Mobile and transaction processing in general. Consult the section Test Drive Mode (see
page 11) for more details.
Merchant Settings
Prior to processing transactions, you must configure your merchant settings. To access this screen
from PAYware Mobile's main screen, touch the Menu button. You should now see the Menu screen.
Scroll down to the Setup section and touch the words Merchant Settings. You should now see the
Merchant Settings screen.
Client ID – The Client ID is assigned by VeriFone and is your PAYware Connect account number. It
can be obtained from your PAYware Connect administrator and must be entered into the Merchant
Settings screen. To authorize your phone, complete the following steps. Note: There are two ways
of registering your iPhone, and the first method shown below is the way that most users will
register.
Registering your iPhone with PAYware Connect
1. Obtain your Client ID, User ID, and Password from your PAYware Connect administrator and
write them down.
2. Choose Live or Demo mode based on the instructions given to you by your PAYware Connect
administrator.
3. Starting from PAYware Mobile's main screen, touch the Menu button.
4. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Merchant Settings.
5. You should now see the Merchant Settings screen. Touch the top box labeled Client ID and
enter the Client ID you received from your PAYware Connect administrator.
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6. Touch the Register iPhone button. Enter the User ID and Password you received from your
PAYware Connect administrator. Touch the Continue button.
7. If your phone is successfully authorized, your phone will receive a Device Key. The Device
Key authorizes the mobile device, and is automatically transferred to your phone (you don't
need to manually enter it). PAYware Mobile will display your successful Sync/Resync to the
PAYware Connect system to confirm that it has been registered.
Registering your iPhone with PAYware Connect (UDID Method)
This is the secondary way of registering your iPhone with PAYware Connect. For example, this
method could be used by a business that has multiple copies of PAYware Mobile on phones that have
been distributed to employees. By using this method, the PAYware Connect administrator can track
which employee has which phone (useful in case of phone theft, or if only a single copy of PAYware
Mobile needs to be deactivated).
1. Starting from PAYware Mobile's main screen, touch the Menu button.
2. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Merchant Settings.
3. You should now see the Merchant Settings screen. Touch the words EMAIL DEVICE ID in the
bottom-right corner of the screen.
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4. You should now see a standard email screen that already contains your PAYware UDID. Fill
out the To: address box with your intended recipient (should be your PAYware Connect
administrator) and touch the Send button. Your phone will deliver your PAYware UDID and
return you to the Merchant Settings screen.
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5. Touch the Back button to return to the Menu screen.
Clear Account From iPhone
WARNING: This will erase your PAYware Mobile Client ID and Device Key. Use this function if you
need to deactivate your phone's access to your PAYware Connect account. You will not be able to
use the deactivated phone unless your PAYware Connect administrator authorizes a re-sync to the
account.
1. Starting from PAYware Mobile's main screen, touch the Menu button.
2. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Merchant Settings.
3. You should now see the Merchant Settings screen. Touch the Clear Account from iPhone
button.
4. PAYware Mobile will prompt you for confirmation. This operation cannot be undone.
Live Mode
PAYware Mobile's Live Mode is the primary, fully-functioning mode of operation. Live Mode is a live
processing environment; all transactions are sent to the PAYware Connect gateway for actual
processing through your active merchant account. To turn on Live Mode:
1. Starting from PAYware Mobile's main transaction screen, touch the Menu button.
2. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Merchant Settings.
3. You should now see the Merchant Settings screen. To activate Live Mode, touch the Live
button. You will still need to register your iPhone, as described in the help section
Merchant Settings.
4. Touch the Back button to return to the Menu screen, and touch the Back button to return
to the main transaction screen.
5. To turn Live Mode off, simply return to the Merchant Settings screen and select a different
mode.
Test Drive Mode
PAYware Mobile's Test Drive Mode can be used to familiarize individual merchants with the use of
PAYware Mobile and transaction processing in general. Test Drive Mode includes a preconfigured
test merchant account and test credit card to communicate to the PAYware Connect Demo system.
The Amount, Credit Card Number, and Expiration Date are hard-coded and cannot be changed.
Actual “live” transactions cannot be processed in Test Drive Mode. To turn on Test Drive Mode:
1. Starting from PAYware Mobile's main transaction screen, touch the Menu button.
2. From the Menu screen scroll down to the Setup section and touch the words Merchant
Settings.
3. On the Merchant Settings screen touch the Test Drive button. In Test Drive Mode you will
be able to review the functionality without the need for a live account. Touch the Back
button to return to the Menu screen. From the Menu touch the Back button to return to the
main transaction screen.

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4. To disable Test Drive Mode, simply return to the Merchant Settings screen and select a
different mode.
Demo Mode
PAYware Mobile's Demo Mode is currently only available to specific VeriFone Partners (Test Drive
Mode is available to individual users). Demo Mode can be used to familiarize those merchants with
the use of PAYware Mobile and transaction processing in general. Demo Mode can also be used to
test the connectivity between those merchants' phones and the PAYware Connect gateway. To turn
on Demo Mode:
1. Starting from PAYware Mobile's main transaction screen, touch the Menu button.
2. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Merchant Settings.
3. You should now see the Merchant Settings screen. To turn Demo Mode on, touch the Demo
button. You will still need to register your cell phone, as described in the help section
Merchant Settings.
4. In Demo Mode, all transactions will be processed through the PAYware Connect Demo
system through a test merchant account and test credit cards. Touch the Back button to
return to the Menu screen. From the Menu touch the Back button to return to the main
transaction screen.
5. To disable Demo Mode, simply return to the Merchant Settings screen and select a different
mode.
Device Fields
•Device Key – This will be populated when your phone has been registered with the PAYware
Connect gateway.
•Device ID – This is also known as your UDID. This will be populated when your phone has
been registered with the PAYware Connect gateway.
•Last Resync – This is the date of the last sync to the PAYware Connect gateway
•Last Key Change – If you perform a key change (for security reasons) in the PAYware
Connect console, this shows the date of that last key change.
Accepted Cards and Available Transactions
When you register your phone with the PAYware Connect gateway, the allowed card types and
transaction types set up for your account will be shown in this area.
Email Device ID
Explained above in the section Registering your iPhone with PAYware Connect (UDID Method).
Application Settings
Multiple settings can be configured from the Application Settings menu. To access this information:

1. Starting from PAYware Mobile's main transaction screen, touch the Menu button.
2. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Application Settings.
3. You should now see the Application Settings screen. You may modify any of the following
settings:
●Tip % -- If you enter a tip percentage (example: 20.00 for 20%) into this field, it will be
applied to all applicable transactions (Sale, Pre-Auth, etc.). If you configure a Tip %
here, you won't need to manually specify one when processing transactions. PAYware
Mobile will automatically add the Tip % that you have specified in this field and send
the total amount of sale + tip to the processor for authorization.
●Sales Tax % -- If you enter a sales tax percentage (example: 6.00 for 6%) into this field,
it will be applied to all applicable transactions (Sale, Pre-Auth, etc.). If you configure a
Sales Tax % here, you won't need to manually specify one when processing transactions.
PAYware Mobile will automatically add the Sales Tax % that you have specified in this
field and send the total amount of sale + tip to the processor for authorization.
●PIN Entry Grace Period (minutes) -- (default: 3) -- This how long (in minutes) you have
the ability to re-enter PAYware Mobile without keying your Security PIN. If you exit
PAYware Mobile and re-enter after this time has passed, you'll need to enter your
Security PIN. Note: If you exit PAYware Mobile and do not re-enter within the time
shown here, any unprocessed transaction information shown on the main Transaction
Screen will be cleared.
●Reverse Keyboard -- Reverses the keypad numbers.
●Show Info Screen After Swipe/Zip -- If this is enabled, the Additional Info screen will
prompt for additional information to be included on a transaction after a Swipe or Zip
field is tabbed through.
●Prompt for Tip on Completion -- If this is enabled, PAYware Mobile will prompt you for
a Tip Amount during a Completion transaction. The amount sent to the processor for
authorization will be the total amount of sale + tip.
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●Prompt for Email on Submit -- If this is enabled, PAYware Mobile will prompt you for an
Email Address during transaction. A receipt will be emailed to the address you enter.
Clear Log -- Touch this button to erase all the PAYware Mobile Transaction Log entries stored on
your phone. This will not affect the data stored at the PAYware Connect gateway.
Change PIN -- Touch this button to change your PAYware Mobile Security PIN.
Secure Card Reader Settings
The Secure Card Reader screen is used to configure settings for both the PAYware Mobile Card
Encryption Sleeve and VeriShield Protect. The PAYware Mobile Secure Card Reader is only
compatible with the iPhone 3G and the iPhone 3GS. It is not compatible with the iPod touch.
However, you may perform manually keyed transactions using the PAYware Mobile application on
the iPod touch.
Note: Most users will not need to modify the Secure Card Reader settings unless advised to do so by
a Support Representative or your PAYware Connect administrator. To access this screen:
1. Starting from PAYware Mobile's main transaction screen, touch the Menu button.
2. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Secure Card Reader.
3. You should now see the Secure Card Reader screen. Explanations for this screen's buttons a
and information follow:
●Slide Timeout -- When swiping a card, there may be a situation where you cannot
successfully read the credit card track data. The Slide Timeout value is the amount of time
PAYware Mobile will wait for a card to be swiped. This value should be kept at a reasonable
value to conserve battery life; the default time is 30 seconds. VeriFone recommends that
you not exceed that value.
●Submit After Card Slide -- When this feature is turned on, the transaction will
automatically be transmitted to PAYware Connect for authorization after the card has been
swiped through the Secure Card Reader. This removes the need to touch the Submit button
on PAYware Mobile's main screen after swiping a card.
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Firmware Updates
●Update/Restore Bootloader -- Touch this button to update the bootloader for your Secure
Card Reader. If your bootloader requires updating, this button will be colored green.
Otherwise, this button will be colored blue.
●Update/Restore Firmware -- Touch this button to update your firmware for the Secure Card
Reader. If your firmware requires updating, this button will be colored green. Otherwise,
this button will be colored blue.
●Update/Restore VSP Firmware -- Touch this button to update your VSP (VeriShield Protect)
firmware for the Secure Card Reader. If your firmware requires updating, this button will be
colored green. Otherwise, this button will be colored blue.
●Update Reader Encryption -- Touch this button to update your encryption for the Secure
Card Reader.
oNote: Most users will not need to use this function unless advised to do so by a
Support Representative or your PAYware Connect administrator. The PAYware
Mobile Service Card (included with the Card Encryption Sleeve) should only be used
during an Update Reader Encryption session if you have been advised to do so by a
Support Representative or PAYware Connect administrator.
PAYware Mobile 1.0004 – User Guide 06/22/2010 Page 15 of 34
gnostic information about your Secure Card Reader (if
attached) and send that information to the PAYware Mobile support department. Note: Most users
screen, touch the Menu button.
2. You should now see the Menu screen. Scroll down to the Setup section and touch the words
Secure Card Reader Diagnostics
The Diagnostics function is used to view dia
will not need to use this function unless advised to do so by a Support Representative or your
PAYware Connect administrator. To access this screen:
1. Starting from PAYware Mobile's main transaction
Secure Card Reader.
3. You should now see the Secure Card Reader screen. Touch the Diagnostics button.

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ure
nostics button if you have been advised to do so by a Support pt you for
a standard email screen that already contains your diagnostic
information to the PAYware Mobile support
k button to return to the Diagnostics screen. From there touch the Back
PAYware Mobile Help Files
AYware Mobile has help files built into it for easy access to helpful knowledge. To access these
1. Starting from PAYware Mobile's main transaction screen, touch the Menu button. is screen.
4. You should now see the Diagnostics screen, showing information for the attached Sec
Card Reader.
5. Touch the Run Diag
Representative or your PAYware Connect administrator. PAYware Mobile will prom
confirmation. Note: This will reset the PAYware Mobile Transaction Log. This operation
cannot be undone.
6. You should now see
information. Touch the Send button.
7. Your phone will deliver your diagnostic
department.
8. Touch the Bac
button to return to PAYware Mobile's Menu screen.
P
files:
2. You should now see the Menu screen. Touch the Help button at the top-right of th
3. You should now see the Help screen. Touch any topic to view its information.

Processing Transactions with PAYware Mobile
Now that you have set up PAYware Mobile, you are ready to process transactions.
Best Practice Note: The following instructions will provide you with steps for processing
transactions with the PAYware Mobile application. However, before using PAYware Mobile to do
actual "live" business, we highly recommend that you process a $1.00 transaction using a real credit
card number. Settle this transaction through PAYware Connect and check your bank account to
ensure the funds have been applied correctly. This recommendation applies to all new PAYware
Connect merchant accounts.
Note: Remember that the actual transfer of funds can take several business days (depending on
processing company, merchant bank, etc.).
PAYware Mobile 1.0004 – User Guide 06/22/2010 Page 17 of 34

Standard Transaction Processing
1. The first thing you'll need to do is select the type of transaction you would like to process. This
can be done by touching the transaction type button at the top-left of the main transaction
screen (shown as Sale in the screenshot above). The following list details each type of
transaction available in PAYware Mobile.
•Sale– A Sale transaction decreases the cardholder's open to buy. It authorizes a transfer of
funds from the cardholder's account to your account through your credit card processor.
•Pre-Auth – A Pre-Auth reduces a cardholder's account's limit to buy for a predetermined
amount of time based in on the cardholder’s issuer. A Pre-Auth is the first half of a sale. A
Pre-Auth specifies that amount to be set aside for a potential transfer of funds. The funds
are not transferred at batch settlement/close unless a Completion is performed. As
previously mentioned, there is a time limit on a Pre-Auth's usability. The processor
determines the time limit, which is around 7 days, for honoring the authorization. You
should contact your merchant service provider/credit card processing company for the
exact time. Pre-Auth transactions can be used if you are ready to authorize the card, but
will be shipping it the product at a later time. When you actually ship the product, you
would then perform a Completion transaction.
•Voice-Auth – There may be times when you will not be able to receive an authorization (due
to connectivity issues). Your merchant account provider will give you a number to call to
receive verbal authorizations during those times. Even though your merchant account
provider has verbally authorized your transaction, you still must enter it into PAYware
Mobile to mark it for settlement. Use the Voice-Auth transaction type to enter the
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customer's card number, transaction amount, and the authorization code you received from
your merchant account provider.
•Refund – Use this transaction type to perform a “return,” by crediting funds back to the
cardholder’s account.
•Clear All Transaction Data Fields – Selecting this option will clear all the data from the
Transaction Screen of the transaction screen.
2. After you have selected a transaction type, you can specify the amount of the transaction.
Touch the Amount field (if the blinking cursor isn't already in that field) and enter the
transaction amount using the keypad.
3. Next, you must input the customer's card data. There are two ways of doing this: you can either
enter it manually via the keypad or you can simply swipe the card through the Secure Card
Reader.
●Processing Transactions without the Secure Card Reader – If the Secure Card Reader is
not connected to your phone, use the Tab button at the bottom-left of the main
transaction screen. This button allows you to easily navigate through the transaction
fields. Touch the Submit button to complete the transaction.
●Processing Transactions with the Secure Card Reader – If the Secure Card Reader is
connected to your phone and you have already entered the amount to be processed,
simply swipe the card through your reader. Based on your Submit setting on the Secure
Card Reader Settings screen. The transaction will either go out for authorization or you
will need to touch the Submit button to complete the transaction.
4. If the Secure Card Reader is not connected to your phone, you'll need to fill out the rest of the
transaction fields. The following list details the transaction fields available on the main
transaction screen.
•Amount – This is the dollar amount that PAYware Mobile will use to process the transaction.
•Credit Card Number – Use this field to manually enter the credit card number. Manually
entering this data is not necessary when swiping the card using the Secure Card Reader.
After you enter the credit card number and move to the next field, PAYware Mobile will
mask this data (for security reasons).
•Exp. MM\YY – Use this field to manually enter the credit card's expiration date. Manually
entering this data is not necessary when swiping the card using the Secure Card Reader.
After you enter the expiration date and move to the next field, PAYware Mobile will mask
this data (for security reasons).
•CVC/CVV – Use this field to manually enter the credit card's CVC/CVV. This is three-digit
number on the back of a credit card (four-digits on the front of AMEX cards). This code,
sometimes called a security code, validates that the card is in the cardholder’s hand.
Manually entering this data is not necessary when swiping the card using the Secure Card
Reader. After you enter the security code and move to the next field, PAYware Mobile will
mask this data (for security reasons).
•ZIP Code – Use this field to manually enter the cardholder's billing ZIP code. Providing the
ZIP code during a manually keyed transaction may help you to achieve the lowest possible
rate for a manually enter transaction. This field also supports alpha-numeric entry for
Canadian Postal Codes. Manually entering this data is not necessary when swiping the card
using the Secure Card Reader.
•Submit – Once all data has been entered, touch the submit button to transmit the
transaction to PAYware Connect for authorization.