VeriFone VX-670 series User manual

Paper Rolls Plus

VX-670 Series APACS 40
User Guide
©2006 VeriFone. All rights reserved. VeriFone, the VeriFone logo, Vx are either trademarks or
registered trademarks of VeriFone. No part of the contents of this document may be
reproduced or transmitted in any forma without the written permission of VeriFone. All
content information are subject to change without notice.

The information contained in this document is subject to change without notice. Although
VeriFone has attempted to ensure the accuracy of the contents of this document, this
document may include errors or omissions.
VeriFone and the VeriFone logo are registered trademarks of VeriFone. Other brand names or
trademarks associated with VeriFone’s products and services are trademarks of VeriFone Inc.
All other brand names and trademarks appearing in this manual are the property of their
respective holders.
Table of Contents
1Introduction – Vx-670 terminals..................................................................................4
Terminal Features.....................................................................................................4
2Using Your Terminal .....................................................................................................5
Transaction Types.....................................................................................................5
Card Acceptance .....................................................................................................5
3Training Mode...............................................................................................................6
Chip and PIN Training Transaction............................................................................7
Financial Transactions ..........................................................................................................9
Sale – Swiped..........................................................................................................9
Referral..................................................................................................................10
Keyed (CNP) Transactions ......................................................................................12
CNP Acceptance Recommendations ......................................................................14
Sale with Cashback ...............................................................................................15
Refund Transaction ................................................................................................17
Chip and PIN Transactions .....................................................................................18
Sale .......................................................................................................................19
Refund ..................................................................................................................20
Incorrect PIN..........................................................................................................21
Sales and Gratuity (Tips) ........................................................................................22
X and Z Reports.....................................................................................................24
X and Z Reports Explained.....................................................................................26
Reconciliation Report.............................................................................................27
Reconciliation Report Explained .............................................................................29
General Troubleshooting Guidelines.......................................................................30
Specific Troubleshooting Guidelines.......................................................................31
Diagnostic Codes...................................................................................................32
VeriFone Apacs 40 User Guide 3

1. Introduction
VX-670 Terminal
This manual covers the Vx-670 mobile and portable terminal operating via Gprs or Wi Fi
connectivity. Although the terminal can communicate in a variety of formats the software that
it runs is designed in the same way, therefore all user interfaces will look the same
Terminal Features
The illustration below highlights the features of the terminal. The descriptions are detailed
below to help you navigate your way around and there will be references to various buttons
on this terminal throughout the manual. Please note that the chip card insertion slot can be
found at the front of the terminal and the multi-directional magnetic card reader is located
on the right hand side of the device.
4 VeriFone Apacs 40 User Guide

2. Using Your Terminal
At this point you will need to refer to the Quick Installation Guide which will have been
included with this manual and the terminal. This document will guide you through setting up
the terminal. Once this has been successfully completed you will be ready to start using the
machine.
Transaction Types
The Vx terminals support Credit and Debit transactions. Your terminal software will be
configured to support the following transaction types;
1. Sale – Chip, PIN and Swiped
2. Refund – Chip, PIN and Swiped
3. Customer Not Present (CNP)
4. Reversal
5. Referrals
6. Sale + Cash (optional)
7. Restaurant/TipPINg (optional)
8. Hotel Pre-Authorisation and Completion (optional)
9. E Top-Up (optional)
All transactions that are stated as optional will be configured upon your request, this can be
done at the sign up phase or when you have received the terminal. Please contact your
Merchant Services Helpline to request this.
Card Acceptance
Your terminal will be configured with a default set of cards that it can process.
These are:-
Visa, Mastercard, Maestro/Switch, Visa Delta, Visa Electron, Solo
American Express and Diners Club Card can also be accepted on this terminal, however
these are not configured unless requested.
VeriFone Apacs 40 User Guide 5

3. Training Mode
Before using the terminal for live transactions we advise that you take 5 minutes to familiarise
yourself by processing some transactions in Training Mode. Please follow the instructions
below to switch the terminal in/out of Training Mode;
From the idle screen (opposite) press the left hand purple
Programmable Function key. There is a down arrow on the screen
above.
Select the Supervisor Mode by pressing F0
Now key in the password 999999 and press Enter
Please select F1 for Training.
Please press F0 and the terminal will enter training mode. When you
need to exit Training Mode repeat this process and select F1. Now return
the terminal to the Sales screen by pressing the Cancel button.
Now that Training Mode is switched on it is possible to conduct Sale and Refund transactions.
The main screen will display Demo down the left hand side and all receipts will have
TRAINING printed on them. Please complete the transaction described over page, you can use
any card for practicing transactions in this mode.
6 VeriFone Apacs 40 User Guide
2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Supervisor
Configuration
Password:
Training On
Off
Supervisor
Training
About
Lock Kbd
Date/Time
Reset Mac

Chip & PIN Training Transaction
To start press F0 to select Sale
Please insert the chip card, chip end first facing up.
Now key in the value of the transaction in pence. E.g. £8.00 = 800.
Once correct, press the green ENTER key to continue.
If a mistake is made press the yellow back space key to delete
the amount and try again.
The terminal now requires a pin to be entered. Any 4 digit PIN number
can be entered. Now press Enter.
Select F0 to ensure the customer’s copy is printed and then remove the
card as requested. The terminal has now returned to the main screen
and the transaction is complete.
VeriFone Apacs 40 User Guide 7
/2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Visa Training
Acct #
45442065000
Amount
£0.00
Visa Training
Amount
£8.00
Enter Pin
Visa Training
Yes
No
Print Customer
Copy?

Receipt
Above is an example of a receipt, in this instance a Training Transaction has just been
completed. Throughout this manual there will be examples of various receipts representing
the different types of transactions possible.
The descriptions attached to the right are displayed to help familiarise yourself with all the
important information contained on a Sales Voucher and should be referred to whenever
required.
8 VeriFone Apacs 40 User Guide
C’s Shop
York Place
Baker Street
London
10:44:4822/11/05 TXN 1234
MID:540436500056789 TID:12345678
TRAINING
MAESTRO UK
1234 5687 9654 2558 ICC
Start: 12/04 Expiry: 12/08
PAN Seq. No. 02
AID: 1234567896542
SALE £8.00
PIN Verified
Please debit my account with total shown
APPROVED
AUTH CODE: 8888
1234567890ABCDEF 40
Diag: 41
xxxx
V1.0.0.2
Session: 4
Company Name
Address
Address
Address
Time, Date and Transaction No.
Merchant Id and Terminal Id.
Description to Identify Receipt.
Card Scheme.
Card Number.
Start and Expiry date of card.
Transaction Type and amount.
How the card was processed.
Outcome of transaction.
Transaction response
Diagnostic Code

VeriFone Apacs 40 User Guide 9
4. Financial Transactions
This section describes all the different types of transactions it is possible to process.
Sale Transaction – Swiped
Press F0 to select Sale
Swipe the card with the magnetic stripe facing inwards.
The terminal is now requesting for the CSC (Card Security Code) to be
entered. This is a 3 digit number located on the back of the card on the
right hand side of the signature strip.
Key in the value of the transaction and press the ENTER key .
If a mistake is made press the yellow back space key to delete the
amount and try again.
The terminal will now communicate with the Bank’s Host system and
obtain an Authorisation Code. Once complete a receipt will be printed.
Tear off the receipt and hand to the customer to sign. Compare the
signature on the back of the card with the signature on the receipt. If
you are satisfied it is correct, press the F0 key and the transaction is
complete. If you are not satisfied, press F1 and the transaction will be
void.
2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Sale
Insert Swipe
Or Enter
Account #
Maestro
Enter CSC
Code
Maestro Sale
Acct #
1234567890
Amount £0.00
Acct #
1234567890
Amount £0.00
Connecting to
Primary
Sale Yes
Signature No
Valid
Auth:1234

Referred (Referral) Transactions
A Referred Transaction is where the terminal has been unable to obtain Authorisation from
the Host (bank) and is now requesting for an Authorisation Code to be obtained manually
over the phone. This process applies to Swiped and Chip with Signature transactions.
Press F0 to select Sale
Swipe the card with the magnetic stripe facing inwards.
The terminal is now requesting for the CSC (Card Security Code) to be
entered. This is a 3 digit number located on the back of the card on the
right hand side of the signature strip.
Key in the value of the transaction and press the ENTER key .
If a mistake is made press the yellow back space key to delete the
amount and try again.
The terminal will now communicate with the Host system and then
request that you call the Card Clearing Centre to obtain a manual
authorisation.
The operator you speak to will require your merchant number.
Select F2 if you have successfully obtained the Authorisation Code. If
no Authorisation was possible select F3 and the transaction will be
Declined.
10 VeriFone Apacs 40 User Guide
2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Sale
Insert Swipe
Or Enter
Account #
Maestro
Enter CSC
Code
Maestro Sale
Acct #
1234567890
Amount £0.00
Meastro
Please wait
Call 0148...
Maestro
1234567890
Amt. £10
Authorised
Declined

VeriFone Apacs 40 User Guide 11
Maestro
1234567890
Amt. £10
Authorised
Declined
Key in the Authorisation Code and press ENTER. The transaction is now
stored in the terminal’s memory. Select F0 to print the customer’s copy.

Keyed Transactions / Customer Not Present (CNP) Transactions
Press F0 to select SALE.
Key in the card number using the key pad on the terminal and press
ENTER. The terminal will now request for the expiration date of the
card. Please key this and press ENTER.
Key in the amount and press ENTER.
The terminal now asks if the customer is present. Select F1 for
Customer Not Present and F0 for Customer Present. The following
procedure is now dependent on what option you have selected. If it
was F0 Customer Present some of the following steps will be omitted.
The CSC numbers now need to be entered. This is a three digit number
located on the back of the card on the right hand side of the signature
strip. When complete press ENTER.
12 VeriFone Apacs 40 User Guide
2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Sale
Insert Swipe
Or Enter
Account #
Maestro Sale
Acct #
1234567890
Amount £0.00
Maetsro
Customer
Present
Maestro
Enter CSC
Code

You are now being requested to enter the numerical part of the
customer’s street address. E.g. 23 Baker Street you would key in 23 and
press ENTER.
The Post Code numerics of the customer’s address are now required.
E.g. for a postcode of GU22 4NN you would key 224 and press ENTER.
The screen below displays the responses from the Host (bank). There are three possible
responses: Matched, Not Matched or Not Checked. The host may still authorise the
transaction even if one or more of the responses are negative. The decision to proceed with
the transaction is up to you the Merchant. Please establish a policy for such events. See the
Customer Not Present – AVS and CVV2 Acceptance Recommendations that follow.
VeriFone also recommend that the AVS and CVV2 guidelines distributed by your Acquirer’s
Merchant Services Department is read and fully understood. CNP transactions due to their
nature are higher in risk than Chip and PIN transactions.
Press any key to continue. The terminal will prompt if a customer’s copy
of the receipt is required. F0 for Yes, F1 for No. The transaction is now
complete.
VeriFone Apacs 40 User Guide 13
Maestro
Address Nos;
Maestro
Postcode Nos;
Maestro
CSC Match
Address Match
Postcode Match

Customer Not Present Acceptance Recommendations
14 VeriFone Apacs 40 User Guide
Displayed Comments Actions
CSC - matched All match As long as you have been given an authorisation code, and you are
Postcode - matched satisfied that the transaction is genuine, unless there are other
Address - matched suspicious circumstances that concern you, you are likely to want to go
ahead with the transaction. However as with all CNP transactions,
payment is not guaranteed and you bear the risk if the transaction is
disputed at a later date.
CSC – not checked Data not checked This could be because the card-issuing bank doesn’t support either of
Postcode - not checked the services, or their system is down. If this happens then you will have
Address - not checked to make a decision based on information you have, as you do now. We
would recommend you make further checks before going ahead with
the sale.
CSC – not checked Address match only There is a possibility that this is a fraudulent transaction. However it
Postcode - matched could be that the cardholder has given you an incorrect CSC number by
Address - matched mistake. It could also be that a member of staff has noted down the
number incorrectly. Therefore, before taking any further action, you may
want to verify the CSC again with the cardholder.
CSC – not checked No data matches There is a possibility that this is a fraudulent transaction. Further
Postcode - matched enquiries with the cardholder should be made. It could be that the
Address - not checked member of staff has noted down the details incorrectly.
CSC – not checked No data matches There is a possibility that this is a fraudulent transaction. Further
Postcode - not matched enquiries with the cardholder should be made. It could be that the
Address - matched member of staff has noted down the details incorrectly.
CSC – not checked No data matches There is a possibility that this is a fraudulent transaction. Further
Postcode - not matched enquiries with the cardholder should be made. It could be that the
Address - not matched member of staff has noted down the details incorrectly.
CSC – matched Security code The address given must match the address recorded by the card-issuing
Postcode - not checked match only bank, so in this case there is a possibility that the transaction is
Address - not checked fraudulent. However, it could be possible that the cardholder has
changed address without notifying the card issuing bank or the card
issuer does not support AVS. Another possibility is that the member of
staff may have noted the details incorrectly. Therefore you would
probably want to verify the address again with the cardholder.
CSC – matched Security code The address given must match the address recorded by the card-issuing
Postcode - not checked match only bank, so in this case there is a possibility that the transaction is
Address - not checked fraudulent. However, it could be possible that the cardholder has
changed address without notifying the card issuing bank or the card
issuer does not support AVS. Another possibility is that the member of
staff may have noted the details incorrectly. Therefore you would
probably want to verify the address again with the cardholder.

Sale with Cashback
You will need to be authorised to accept the cashback facility on your terminal. It is not a
standard configuration on the terminal. Please remember Cashback is only available on Debit
cards and it must be a Customer Present transaction.
To access the Cashback facility press the left hand purple function
button until the option appears. If Cashback has been requested from
the outset the Cashback button could be on the first screen.
The transaction flow does not alter from a SALE. The card is processed
and the amount is requested, after this point the terminal will request
for the Cash amount to be entered. Enter the amount that the
customer has requested as Cashback and press ENTER.
Authorisation will be obtained and the transaction is complete.
Please see the Sale + Cashback receipt that follows. This shows how
the Sale amount then the Cash amount is displayed with a cumulative
amount for the total.
VeriFone Apacs 40 User Guide 15
2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Maestro Sale
Acct# 123456
Amount £10
Cash £5
Acct# 123456
Amount £15
Connecting

Sale with Cashback Receipt
16 VeriFone Apacs 40 User Guide
Merchant Name
Address 1
Address 2
Address 3
VAT number: 123456789
VAT Rate: 17.50&
HH:MM:SS
DD/MM/YY
MID: 123456789
12345678
MERCHANT COPY
MASTERCARD
1234 5687 9654 2558
ICC
Start: MM/YY
Expiry: MM/YY
PAN Seq. No. 02
AID: 1234567896542
SALE £22.50
CASH BACK £10.00
TOTAL £32.50
PIN VERIFIED
Please debit my account with total shown
APPROVED
AUTH CODE: ABC120
1234567890ABCDEF 40

VeriFone Apacs 40 User Guide 17
Refund Transaction Swiped
Press F1 to select Refund
Swipe the card with the magnetic card facing inwards.
The terminal is now requesting for the CSC (Card security Code) to be
entered. This is a 3 digit number located on the back of the card on the
right hand side of the signature strip.
Now key in the value of the transaction and press the ENTER key
. If a mistake is made press the yellow back space key to
delete the amount and try again.
The terminal will now communicate with the Bank’s Host system and
obtain an Authorisation code. Once complete a receipt will be printed.
Tear off the receipt and hand to the customer to sign. Compare the
signature on the back of the card with the signature on the receipt. If
you are satisfied it is correct press the F0 key and the transaction is
complete. If you are not satisfied press F1 and the transaction will be
void.
Customer Not Present Refund transactions are also possible. Please refer to the Customer Not
Present section on Page 12. You need to initiate the transaction by selecting Refund – F1 – after this
step the transaction flow does not alter from what is already stated on Pages 12 and 13.
2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Refund
Insert Swipe
Or Enter
Account#
Maestro
Enter CSC
Code
Maestro Sale
Acct #
1234567890
Amount £0.00
Acct #
1234567890
Amount £0.00
Connecting to
Primary
Sale Yes
Signature No
Valid
Auth:1234

Chip and PIN Transactions
Transaction processing in the UK is predominantly Chip and PIN. Using this method of
payment it is possible to utilise technology to provide major security enhancements helPINg in
the fight against fraud. You the merchant should always endeavour to process a transaction
via Chip and PIN whenever and wherever possible.
Due to the nature of the processing the Card has a much greater say in the processing and
ultimately authorisation of the transaction, please be aware that it is not just the Host (bank)
as before with Swiped and Keyed transactions that is controlling the process. The Chip on the
customer’s card holds vital information and is an integral part of all Chip and PIN transactions.
Chip and Pin Sale
Press F0 to select SALE.
For all chip transactions the card is inserted into the device chip end
first and facing upwards.
Now key in the value of the transaction and press the ENTER key
. If a mistake is made press the yellow back space key to
delete the amount and try again.
Request the customer to key in their PIN and press ENTER. The terminal
should now be returned to the merchant.
The terminal will now communicate with the Bank’s Host system and
obtain an Authorisation Code. Once complete a receipt will be printed.
18 VeriFone Apacs 40 User Guide
2/2/6 Sale
Refund
Reports
Services
Reversal
Duplicate
Sale
Insert Swipe
Or Enter
Account#
Maestro Sale
Acct #
1234567890
Amount £0.00
Maestro
Amount:
£10
Enter Pin
Acct #
1234567890
Amount £0.00
Connecting to
Primary

VeriFone Apacs 40 User Guide 19
Tear off the receipt and select F0 to print the customer’s copy. The card
can now be removed from the terminal. The transaction is now
complete.
ICC PIN Verified Sale Receipt
Sale Yes
Signature No
Valid
Auth:1234
Merchant Name
Address 1
Address 2
Address 3
VAT number: 123456789
VAT Rate: 17.50&
HH:MM:SSDD/MM/YY
MID: 123456789 12345678
MERCHANT COPY
MASTERCARD
1234 5687 9654 2558 ICC
Start: MM/YYExpiry: MM/YY
PAN Seq. No. 02
AID: 1234567896542
SALE £10.00
PIN Verified
Please debit my account with total shown
APPROVED
AUTH CODE: ABC120
1234567890ABCDEF 40
Diag: 41
xx
V1.0.0.2
Session: 4