Tender Setup: Data Capture-Bank

Use the fields and options in the Data Capture-Bank tab to define and modify information required during a bank card transaction, to set reference number parameters and black list parameters.

Tender reference numbers can be verified against a positive or negative file defined in the Positive and Negative File Maintenance windows. Positive and negative files can have up to nine file identification types.

Example Example

For example with the following two entries:

ID 1 — valid/invalid gift certificate numbers
ID 2 — valid/invalid merchandise credit numbers

During tendering, the system only accepts tenders with reference numbers that match a number in the positive file and only rejects tenders with reference numbers that match a number in the negative file. For information about positive files, see Positive File. For information about negative files, see Negative File.

End of the example.

The black list is a list of account numbers against which a customer account card presented as tender is checked to determine the type of authorization required for that card. Electronic Funds Terminals (EFT) supports this process and can support both debit and credit cards. The presence of the card number in either a black file, a white file, or in neither file determines the type of authorization required. Depending on the configuration, this may indicate that the transaction can be settled with no authorization required.

Bank Card Information
Screen Element	Description
Bank Card	Provides a list of bank or credit cards.
Credit Service	Provides a list of credit authorization providers. Note If a credit authorization service is not available, you can set a maximum tender amount that can be accepted without authorization. End of the note.
Voucher Agent	Provides a list of agent IDs; if applicable, select an agent ID from the list.
Manual Phone Auth Floor Limit	Specifies the maximum tender amount the system can accept without authorization.
Online Auth Floor Limit	Specifies the maximum tender amount the system can accept without online authorization.
Manual Card Entry Auth Level	Specifies the authority level allowed for a manual card entry.
Manual Authority Level	Specifies the authority level allowed for a manual authorization.
Check Class Code	Allows you to differentiate tender items such as gift cards from other tender items they may resemble, such as merchandise credit vouchers. It also ensures the correct tender item is issued to the customer, indicated on the receipt and written to the TLOG file. When this setting is turned on for a tender, the POS validates the class code for the card with the class code value of the tender. Note You must make the following settings to activate class code differentiation: For more information, see Non Merchandise: Data Capture − Bank. End of the note.
Check Class Code Value	Specifies values for a gift card and merchandise credit definition. The allowable values are as follows: Gift card = `0` Merchandise credit = `41` Note You use this field with the Check Class Code field. End of the note.
Manual Auth Profile ID	Defines the profile to execute for manually authorized transactions.
Manual Auth Policy ID	Defines the policy to execute for manually authorized transactions.
Keyed Card Profile ID	Defines the profile to execute for manually keyed card numbers.
Swiped Card Profile ID	Defines the profile to execute for swiped cards.
Decline Override Auth Level	Specifies the authority level that a cashier or manager requires to override a declined response from a credit service.
Print Bank Card / Reference No.	Select this checkbox to enable credit card receipt printing.
Print Expiry Date On Receipt	Select this checkbox to print the credit card's expiry date on the receipt.
Allow Resubmit	Select this checkbox to allow the user to resubmit the card as a tender.
Bypass Expiry Date Validation	Select this checkbox to skip the validation of the credit card's expiry date.
Process SAF File Before Authorizing	Select this checkbox if the system should process the SAF file before authorizing the card as a tender.
Force Reissue Declines As Referrals	Select this checkbox to treat a declined reissue as a referral.
Treat Declines as Referrals	Select this checkbox to treat a declined response from a credit service as a referral response. Note If you have selected the Decline Ovrd Requires Mgr Ovrd checkbox, a cashier or manager with the appropriate authority level can override the referral response. You set the authority level in the Decline Override Auth Level field. End of the note.
Decline Ovrd Requires Mgr Ovrd	When you select this checkbox, a store manager must use an authorization number to manually override a declined response from a credit service. You set the authority level for the manager in the Declined Override Auth level field.
NSF Action Code	Indicates the action to take when the credit authorization response is CAR_NSF_DECLINE. You use this option to either automatically resubmit a declined authorization, or to display a menu for cashier to choose an action.
Loc. Auth Algorithm	Defines the algorithm the system uses to generate a local authorization number.
Debit Tender ID	Defines the tender ID the system uses when a customer uses a credit card as a debit card.
Backup Crdt Service	Specifies that the backup credit service to use when the credit service gives no response.
Manual Auth Verification	Provides a list of verification methods used to validate the manual authorization code returned by the authorization service provider.
Capture Bank card Name	Provides a list of options to print the name of the bank card on the store receipt, all receipts, or no receipts.
Print Current Balance	When you select this checkbox, the system prints the current balance on the card.
Authorize Post Voids	Sends a void authorization when a post void occurs.
Authorize Return	Authorizes returns.
Disallow Loc. Authorization	Prevents local authorization for this tender after it has been declined by an external authorization service.
Print Initial and Applied Balance	When you select this checkbox, three balances are printed on a gift card receipt when a store value card/gift card is used as tender for a sale, post void, return, and balance inquiry transaction. The balances that print on the receipt are as follows: Initial Balance: the balance before the store value card is presented Applied Balance: the transaction amount Final Balance: the balance after the store value card is used for the transaction. This feature is also used for non-merchandise transactions. For more information about this parameter setting for non-merchandise items, see Non Merchandise: Data Capture - Bank.
Disallow Multi Authorization	Prevents the use and authorization of the same credit card multiple times in a split-tender transaction.
Include In Settlement	Includes authorization records for this tender in the authorization consolidation process.
Scan Card	Allows you to scan the bar code of a card, for example, a gift card.
Scan Card Auth Level	Defines the authority level allowed for scanning a card.
Allow Debit Account Selection	Enables a customer to select the account the debit comes from.
Enable Unknown Card Selection	Allows the selection of an unrecognizable card by a cashier, after it is swiped at the POS.
SAF Mode	Specifies that when authorization cannot be obtained due to system communication problems, the system sends the transaction details to the Store and Forward file. The list of modes specifies when the system sends the transaction details to the Store and Forward file.
PIN Ctrl	Provides a list of pin control methods.
Prompt Valid From	Prompts the cashier to check the valid from date on a credit card. This prevents customer from using cards that are either not yet active or have expired.
Prompt Expiry	Prompts the cashier to check the credit card expiry date. Note This information is stored on the magnetic stripe of credit cards, therefore this system displays this prompt only when entering a credit card manually. End of the note.
Enable MSR	When you select this checkbox, a magnetic stripe reader (MSR) is used to capture the reference of a credit card.
Enable Voucher NSF	Approves the balance amount on a card when the requested amount is greater than the balance amount.
Check Bin File	Enables card type detection and allows debit cards.

Reference No
Screen Element	Description
Prompt	Specifies that the system displays a prompt to the cashier to enter the reference number; the prompt can be up to 20 characters.
Min/Max No:	Sets the minimum and maximum number of characters for tender reference numbers. Select a number that represents the minimum number of characters required for the reference number. In the second drop-down list, select a number that represents the maximum number of characters required for the reference number.
Check Digit	Specifies that the system verifies the reference numbers entered for a tender. Select the algorithm that you want to use to check the reference numbers for the tender.
Prompt Reference Number Before Amt	Prompts the cashier for a tender reference number before the transaction amount.
SAF Track2	In a Store and Forward (SAF) request, some service providers require the original request to be resubmitted as a manually keyed request. You can choose from the following options when you resubmit the request: Keep Swiped Change Swiped to Keyed for all types of authorizations Change Swiped to Keyed for non-reversal authorizations only
Auto Generate Reference / To Verify	Specifies the auto generate reference numbers the system uses to verify a tender; choose an option from each list.
Check Positive File	Specifies a positive file identification number. Note This field works with the Prompt field. End of the note.
Allow Positive Update	Allows updates to the positive file during a sale. The system prompts the cashier to add a new reference number to the positive file if the number is not already present.
Check Negative File	Specifies a negative file identification type for reference number verification. Note This field works with the Prompt field. End of the note.
Negative Message	Defines the message that appears on the POS terminal when a cashier enters a reference number found in the negative file. The system uses a default message from the literal file if this feature is not enabled.
Use Amount	Calculates the check digit with amount appended to the reference number.
CVV# Min/Max	Sets the minimum and maximum length of the Card Verification Value (CVV). The CVV# Min default value is 0; the CVV# Max default value is 10. Set the CVV# Max value to 0 if the tender does not require the CVV number to be entered and captured. CVV is the verification number (typically 3 to 4 digits) printed on a credit card for safety and security reasons. If the tender selected is configured to send the CVV number, the cashier is prompted for the CVV number. When the cashier enters the CVV number, it is entered into the authorization request and sent to the Xpress Server. This information is included in the request xml file sent to CEFT. If the tender is also configured to send the Track1 data to CEFT, the Track1 data is also entered into the authorization message and then sent to the Xpress Server, and to CEFT.
Send Track1 Data	Track data contains a cardholder's name, account number, and other discretionary information.

Screen Element	Description
Check Black List	Specifies that the EFT process requires the system to check the card number against the black list.
In Black List	Provides a list of options indicating the action the system takes if the card number is present in the black list.
Not In Black List	Provides a list of options indicating the action the system takes if the card number is not present in the black list.
In White List	Provides a list of options indicating the action the system takes if the card number is present in the white list.
Not In White List	Provides a list of options indicating the action the system takes if the card number is not present in the white list.