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Card Reader User Guide
Card Reader User Guide
MYOB PayDirect User Guide
Page Contents
1 Getting started in a few easy steps
2 Get to know your MYOB PayDirect Reader
3 Charging your MYOB PayDirect Reader
4 Downloading the MYOB PayDirect app
5 Finding your way around the MYOB PayDirect app
6 Navigating the menu in the app
7 Making your first transaction
8 Inserting the Paydirect Reader
9 Inserting or swiping cards
10 Obtain customer signature
11 Confirm signature and issue a receipt
12 Processing a refund
13 Security of your PayDirect Reader and smartphone
13 If you lose your MYOB PayDirect Reader
13 Troubleshooting
14 Troubleshooting (continued)
Contents
1 MYOB PayDirect User Guide
MYOB PayDirect turns your smartphone into a mobile credit card terminal, so you can get paid on the spot anywhere, anytime.
This User Guide shows you how to use your MYOB PayDirect Reader and the MYOB PayDirect app. It introduces you to your MYOB PayDirect Reader and gives you enough information
about the MYOB PayDirect Application (“PayDirect app”) so you can get started taking payments.
In this guide, we also step you through processing simple everyday transactions.
Learn morePlease visit myob.com.au/paydirectsupport for additional information, including:
> Frequently Asked Questions
> Demo Videos
> Factsheets
Customer supportIf you need any help using MYOB PayDirect, please visit myob.com.au/paydirectsupport
Getting started in a few easy steps
2 MYOB PayDirect User Guide
1 The MYOB PayDirect Reader
2 Audio jack Used to insert the MYOB PayDirect Reader into your smartphone headphone socket.
3 Slot for cards with a chip If your customer’s card has an embedded microchip (“chip”), you need to insert it into this slot.
4 Magnetic stripe reader If your customer’s card doesn’t have a chip, you need to swipe their card through the Reader.
5 Mini USB port Used for charging your MYOB PayDirect Reader.
6 Securing clips Used to secure the MYOB PayDirect Reader onto your smartphone.
Get to know your MYOB PayDirect Reader
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Top view
Bottom view
3 MYOB PayDirect User Guide
Charging your MYOB PayDirect ReaderYour MYOB PayDirect Reader is fully charged when you receive it and ready to go.
To recharge your PayDirect Reader, plug one end of the supplied USB cable into your
PayDirect Reader and the other into:
> A standard USB charger (not supplied, but if your smartphone comes with a USB
charger you should be able to use this), or
> A powered USB port on your computer.
Important note!When fully charged, your MYOB PayDirect Reader will perform between 1,000 and
2,500 transactions. It will also draw a small residual charge from your smartphone when
it’s in use.
Your MYOB PayDirect Reader does not have a charge or low-battery light. The user can get
a battery reading % from the Reader Information Section in the app menu. Just plug in the
card reader and the battery level is shown as % charged on the “Card Reader” information
screen. E.g. fully charged it will indicate “100%”.
Your MYOB PayDirect Reader may lose its charge if you do not use it for some time.
4 MYOB PayDirect User Guide
Downloading the MYOB PayDirect appBefore you’re able to make your first transaction, you need to install the MYOB PayDirect
app onto your smartphone. A list of supported devices can be found at
myob.com.au/paydirectsupport.
If you have an Apple iPhone, follow these instructions:
1 Visit the App Store on your phone.
2 Search the App Store by typing MYOB PayDirect in the
search box.
3 Download the MYOB PayDirect app onto your smartphone.
The app is free.
(Available in Google Play from late April 2014)
If you have an Android phone follows these instructions:
1 Visit the Google Play Store on your phone. If you do not
have Google Play, you can download it at play.google.com
2 Search the Google Play Store by typing MYOB PayDirect in
the search box.
3 Download the MYOB PayDirect app onto your smartphone.
The app is free.
5 MYOB PayDirect User Guide
Finding your way around the MYOB PayDirect appThe MYOB PayDirect app allows you to process transactions using your
MYOB PayDirect Reader.
Now that you have it on your smartphone, you should spend a couple of minutes getting
to know your way around it. This will make processing your first few transactions
quick and simple.
Log in to the MYOB PayDirect app1 Open the PayDirect app on your smartphone.
2 To access the app enter your MYOB username and
password. Access after that will be via a 4 digit
security pin number that you set when you first
access the app.
6 MYOB PayDirect User Guide
Navigating the menu in the appNow that you’re logged in, let’s go over one of the main screens within the app, the menu.
You’ll use this screen to begin processing transactions using your PayDirect Reader and
to manage all basic operations including your transaction history, reader information, and
security settings.
Swipe right from within the app to access the Settings Menu.
You’ll find the following options:
> Transaction History Shows all processed transactions made by the Mobile User.
Visit this screen to process a refund
> Security Settings Used for entering and changing your Signature Verification Code
> Reader Information Device information and battery status
> Log out Used to exit the app
7 MYOB PayDirect User Guide
Making your first transactionHere’s how to process your first transaction using PayDirect.
1 Open the PayDirect app on your smartphone and login via your MYOB username and
password or 4 digit security pin number.
2 The MYOB PayDirect app defaults to the dashboard.
3 Take a Payment.
Enter the value of your transaction. For example: The value of your transaction is $22.50.
Type ‘2250’. The decimal point will automatically be inserted. If you enter an amount
incorrectly, or your customer changes their mind about a transaction, tap “C” and rekey the
amount. Tap Next to accept an amount. Check the amount You’ll be prompted to confirm
the amount before you continue to the next stage of the transaction. Tap Cancel to stop
the transaction, or OK to confirm the value of the payment.
4 You’ll be prompted to insert the MYOB PayDirect
Reader into your smartphone.
Insert the audio jack on your PayDirect Reader into your
smartphone audio socket. It should fit snugly. If you
have a case around your smartphone, you may need
to remove it. You can also adjust the clips on the MYOB
PayDirect Reader to hold it more securely in place.
8 MYOB PayDirect User Guide
Depending on the location of the audio socket on your smartphone, you may need
to insert your PayDirect Reader into the top or bottom of your smartphone. In some
instances your MYOB PayDirect Reader may need to be inserted back to front.
Important note!If you have an Apple iPhone and you’re running iOS 7, there’s a chance your MYOB
PayDirect Reader may not be detected by the MYOB PayDirect app and you receive the
following warning “Missing Reader, Please Connect Your Reader”.
This is due to a privacy setting in iOS 7, but it’s easily fixed. On your iPhone go to Settings,
then Privacy and tap Microphone. Make sure the Microphone is turned ON for the
PayDirect app.
Inserting the PayDirect Reader
9 MYOB PayDirect User Guide
Inserting or swiping cardsYou’ll be prompted to enter or swipe your customer’s card.
Important note!PayDirect will accept any Visa or MasterCard branded Credit, Debit or Prepaid card. PayDirect does
not support EFTPOS-only cards, American Express (Amex) or Diners. If your customer’s credit card has
a chip, you must insert the card into the card slot. You cannot swipe credit cards with a chip through
the magnetic reader.
If your customer has a card with an embedded microchip (“chip”):
Insert the card, chip first, with the front of the
card facing the front of the PayDirect Reader
(this is the flat side of the PayDirect Reader).
If your customer has a credit card without a chip:
Swipe the card through the magnetic reader.
You need to swipe with the front of the card
facing the front of the PayDirect Reader (this is
the flat side of the PayDirect Reader). You can
swipe the card in either direction.
Chip and Sign Cards Swipe and Signature Cards
10 MYOB PayDirect User Guide
Obtain customer signatureThe PayDirect app now requires you to obtain the customer’s signature on your smartphones screen.
Rotate the screen to the correct orientation shown in the app.
1 Obtain the customer’s signature by getting them to sign the screen using their finger.
If the customer makes a mistake, tap Clear Signature to allow them to sign again.
2 Check their signature against the one shown on their card (if the customer’s card is in the card slot,
it’s safe to remove it now). If the signature doesn’t appear correct and you’re concerned about the
validity of the card, tap VOID to cancel the transaction.
3 Assuming you’re happy to proceed, tap Signature Verified and you’ll be prompted for your
four-digit Signature Verification Code. This is set to ‘0000’ for all new devices.
Important info!The Signature Verification Code is not the customer’s four-digit card PIN.
11 MYOB PayDirect User Guide
Confirm signature and issue a receiptThe MYOB PayDirect app tells you when the transaction has been authorised.
If your customer would like a receipt for the transaction, enter their email address or
domestic mobile phone number and tap Send. If they do not want a receipt, tap Done to
finish the transaction.
Success – you’ve transacted using MYOB PayDirect!
12 MYOB PayDirect User Guide
Processing a refundYou can easily process refunds in the MYOB PayDirect app.
The customer must present you with the same credit card that was used to process the
original transaction and, ideally, their transaction ID (which was emailed/texted to them).
1 Locate the original transaction. You do this in Transaction History, which is accessed
through the menu in the MYOB PayDirect app (swipe right from anywhere within the app).
2 Scroll through the records until you find the original transaction use the application
preferred name from the Chip and (delete) the last four digits from the Credit card
that is displayed to help you locate it). Or, search using the STAN (Systems Trace Audit
Number) that is used to search from the customer’s receipt.
3 Once located, tap on the transaction to view the Transaction Details screen.
Tap Refund. Follow the on-screen prompts to process the refund.
Important info!You’re unable to refund more than the original transaction amount.
There’s no time limit on processing refunds. If you accidentally processed a transaction
for the wrong amount, we suggest you refund the entire amount and then process the
transaction again, rather than refunding part payments.
13 MYOB PayDirect User Guide
Security of your PayDirect Reader and smartphoneSecurity of your information is paramount. That’s why you need an MYOB username
and password.
We recommend you encourage all users of your MYOB PayDirect Reader to take the
following actions:
1 Log out of the app whenever they’re not using the MYOB PayDirect Reader.
2 Set a PIN/password on any smartphone they use with the MYOB PayDirect Reader,
as additional protection in the event both are stolen.
If you lose your MYOB PayDirect ReaderYou MUST report any lost or stolen MYOB PayDirect Readers immediately to MYOB
– so we can disable it. Please call 1300 555 931 to report your lost reader and we will
explain the process for organsing a replacement reader.
Troubleshooting
The MYOB PayDirect Reader doesn’t fit onto my smartphone
> If you have a cover on your smartphone, make sure the MYOB PayDirect Reader is
pushed in deep enough. Otherwise try to remove the cover and try again. You may
have to insert the MYOB PayDirect Reader into the bottom of your smartphone or
back-to-front, depending on the location of the audio socket. If you need to use the
MYOB PayDirect card reader with a smartphone case you can also purchase an audio
jack extension to allow the card reader to connect with the case on. The extension
needs to be a 3.5mm 4 conductor plug. These can be found at many consumer
electronics stores or online.
The MYOB PayDirect Reader doesn’t work with my smartphone
> The MYOB PayDirect Reader and PayDirect app are designed to work with a number
of Apple iOS and Android-powered devices, including some tablets. A list of these is
available on the MYOB Website located at myob.com.au/paydirectsupport
14 MYOB PayDirect User Guide
The MYOB PayDirect Reader doesn’t read the chip on my customer’s card
> If your customer’s credit card has a chip, check you’re inserting the card the correct way
(i.e. front of card faces the front of the MYOB PayDirect Reader) and you’re inserting the
card, chip-first, into the MYOB PayDirect Reader.
The MYOB PayDirect Reader doesn’t read the magnetic strip on my customer’s card
> If your customer’s card has a chip, you must insert the card into the card slot. If it only
has a magnetic stripe, check you’re swiping the card the correct way (i.e. front of card
faces the front of the MYOB card reader).
Everything works but it won’t process the transaction
> Check the network coverage on your smartphone. If you’re in a no or varying-signal
area, you may not be able to process transactions (since these are actioned in real-time
using your smartphone/tablet’s network coverage). If you’re in a no signal area, you may
have to move to get network coverage, if possible.
> If my PayDirect Card Reader has a fault, what do I do? In the event that your Card
Reader is faulty please contact MYOB Support on 1300 555 931 and they will advise how
you can receive a replacement reader.
> Do I need to turn on anything within my smartphone to ensure that the paydirect service works? For the PayDirect service to work, the microphone & location service
need to be enabled for the app. iOS needs both enabled. Android needs the location
service to be enabled.
myob.com.au/paydirectsupportMYOB is a registered trade mark and PayDirect is a trade mark of MYOB Technology Pty Ltd. Mastercard and the Mastercard brandmark are registered trademarks of Mastercard International Incorporated.Google Play and the Google Play Logo are trade marks of Google, Inc.Apple is a trade mark of Apple Inc., registered in the U.S., and other countries. iPhone 5, iPhone 4S and iPhone 4 are trade marks of Apple Inc.
