Payment Methods - Debit Cards

The eStream POS lane can run either with an external Debit Payment Authorization POS Terminal supplied by the banking institutions or have the Debit Authorization integrated into the software.

When the Debit PIN Pad terminal is external to the POS Lane…

  • Touch the 'Debit' Payments button at the End of the Sale.
  • Debit card payments can be entered as a full amount when the ‘Debit’ button is touched.
  • You don't have to specify the amount through the touch keypad, if the full amount of the sale is going to be paid by Debit Card.

 
If your store allows a 'Cash Back' amount on a Debit payment, specify that amount on the Touch Presets, the total amount to be authorized will be calculated automatically.

  • Obtain the Debit payment Authorization from the external terminal.
  • Press the 'Enter Amount' button. (The same button will say Activate PIN Pad if integrated Debit payments are enabled.) 
  • Touch the ‘Close Sale’ button to charge the full amount of the sale to Debit.
  • To enter a partial amount, touch the Keypad button to show the numeric keypad, enter the amount, touch the 'Enter Amount' button, 
  • The 'Close Sale' button will not be activated if the amount does not meet or exceed the amount of the purchase.

When the Debit PIN Pad is integrated with the Lane…

  • When the integrated Debit option is active, the 'Enter Amount' button on the payment screen will say ‘Activate PIN Pad’.
  • If your store allows a 'Cash Back' amount on a Debit payment, specify that amount first. The total amount to be authorized will be calculated automatically.
  • Touch the 'Activate PIN Pad' button to start the Authorization process on the PIN Pad.

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 While communicating it is only possible to Cancel the Transaction before it is authorized by pressing the Cancel Buttton on the PIN Pad.

  • If the amount is declined or transaction fails, Retry the Activate PIN Pad operation, and ask the Customer to swipe or Read the Chip again on the PIN Pad.
  • A second attempt can always be made as a courtesy to the customer in the event of a 'Decline'.
  • If the Transaction still reports a Decline or an Error, then another method of payment must be taken.
  • If the customer repeats identical purchases on the same day (or within the same unclosed batch), duplicate transaction amounts on the same card for the same day will be declined on the first try.
  • The customer must reswipe or re-read the Chip on the Card after the Cashier touches the 'Activate PIN Pad' button again.

 
If the purchase is authorized, then the ‘Close Sale’ button will be activated, onlyif the authorization is for the full amount of the sale.

  • An authorization code will also show on the Debit payment screen, and printed authorization slips.
  • If the amount authorized is less then the sale, the rest of the sale can be split between other types of payment, such as Cash.
  • If the payment is to be split between two or more Debit Cards, touching the ‘Debit’ button again will restart the Authorization process within the sale for the next Debit Card.
  • For each successful or failed transaction, two copies of the Debit Authorization are printed.
  • If Cancel Payments is touched, a Void Transaction will be sent to the PIN Pad, and the customer will have to reswipe or read the Chip on the Card again.
  • If the customer does not complete the PIN Pad transaction, a 'PIN Pad Timeout' error will occur after 20 seconds. 

Touch the 'Close Sale' button to obtain the final receipt and continue on to the next sale.

Splitting a Debit Sale with other methods of payment.

  • To complete the sale with another type of tender, touch the appropriate button and enter the amount that the customer tenders.
  • e.g. To Split a $20.00 sale between $15.00 Debit and $5.00 Cash:
    First, touch the ‘Cash’ button and enter that part of the payment, using either the keypad or fast entry key and 'Enter Amount' button.
  • You will notice the ‘Close Sale’ button remains deactivated.
    Then, touch the ‘Debit’ button and, when the $15.00 has been authorized, touch 'Enter Amount' (or Activate PIN Pad).
  • The rest of the approved sale will automatically be entered to Debit.
  • The ‘Close Sale’ button will then be activated, allowing you to complete the sale.
  • A receipt will then print.
  • Because cash has been part of the transaction, the cash drawer will open.
  • The order that the Cash or Debit card is entered is not important.

Debit Payment and Cash Back Surcharges.

Using the Back Office, it is possible to attach a surcharge to any Debit or Credit card payment.

  • Create a PLU in the Back Office  Inventory - Item Maintenance form for the surcharge amount.
  • Then in Setup - POS Lanes - Credit Debit Cards, check the 'Show Surcharge Information' option. 
  • Put the PLU number in any of the boxes that the surcharge applies to.
  • Save the Entry and Send changes to the Lane.
  • If a minimum sale only applies to either Debit or Credit, check the 'Debit Card Minimum sale' box and enter the amount of the minimum sale int he box provided.
  • A Debit Cash Back can have a surcharge applied also.
  • The Cashier is prompted at the POS if they want to apply the surcharge. (Yes or No)
  • If the response is  'No' then another method of payment must be applied.

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