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TD iCT250Merchant Guide: UnionPay Cards

COPYRIGHT © 2016 by The Toronto-Dominion BankThis publication is confidential and proprietary to The Toronto-Dominion Bank and is intended solely for the use of Merchant customers of TD Merchant Solutions. This publication may not be reproduced or distributed, in whole or in part, for any other purpose without the written permission of an authorized representative of The Toronto-Dominion Bank.

NOTICE The Toronto-Dominion Bank reserves the right to make changes to specifications at any time and without notice. The Toronto-Dominion Bank assumes no responsibility for the use by the Merchant customers of the information furnished in this publication, including without limitation for infringements of intellectual property rights or other rights of third parties resulting from its use.

MERCHANT INFORMATION

Merchant Name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Merchant Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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UnionPay Cards Merchant Guide

Table of Contents

Who should use this guide? ......................................................... 1What is UnionPay? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

How do I identify a UnionPay card? ................................................................. 1

Financial Transactions .................................................................. 1Transaction requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

PIN entry ......................................................................................................... 1Customer signature ......................................................................................... 1

Restrictions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

Sale (credit or debit card) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Sale (phone or mail) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Void . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Return . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Pre-authorizations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Restrictions ...................................................................................................... 6Steps ............................................................................................................... 6

Open a pre-authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Close a pre-authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Receipts ....................................................................................... 7Receipt codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

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- 1 -

UnionPay Cards Merchant Guide

Who should use this guide?YoushouldusethisguideifyouareaclientofTDMerchantSolutionsandperformtransactionsinvolvingUnionPaycreditordebitcardsduringthecourseofyourdailybusiness.

WhatisUnionPay?UnionPayisaninternationalpaymentbrandthatisbecomingmorecommonlyusedworldwide.Youwillseeeithersinglebrandedcards(UnionPayonly)ordualbrandedcards(UnionPayandanotherpaymentbrand).*Morebrandsmaybeaddedovertime.

How do I identify a UnionPay card?UnionPaycardsareeasytoidentifybytheirlogoshownbelow.

UnionPaycardsCurrentlytheyofferthefollowingcards:

Single branded Co-brandedCredit card UnionPay UnionPayco-brandedwithVisa,

MasterCard,AmericanExpress,JCBorDinersClub

Debit card UnionPay UnionPayco-brandedwithInteracDebitorVisaDebit*

Financial TransactionsYoucanperformanyfinancialtransactionswithaUnionPaycardthatyouwouldwithanothercard.

TransactionrequirementsUnionPaysometimesrequirescustomerstoverifytheiridentityindifferentwaysthanwhatweareusedto.Thetwomostcommoncustomerverificationmethodsare:

PIN entry

TheterminalmayrequestthecustomertoentertheirPINforanytransaction.Forcreditcards,thecustomercanbypassthisPINrequest,butiftheydoandthePINisrequestedagain,theymustentertheirPIN.DebitcardsalwaysrequireaPIN.

Customer signatureThecustomermayberequiredtosignthemerchantreceipt.Thiscanoccurforanytransaction,evenonewherethecustomerhasalreadyenteredtheirPIN.IfyouseeasignaturelineontheMerchantreceipt,thecustomermustsignthereceipt.Failuretodosomaypreventyoufrombeingpaidforthetransaction.

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RestrictionsThefollowingarenot allowedforUnionPaycards:

• Accountselection(chequingorsavings) ondebitcardtransactions-adefaultsettingwillbeused

• Nosignaturerequired(NSR)transactions

• Offlineauthorizations

• Partialsaleapprovals

• Transactionsinforeigncurrencies

• Voiceauthorization/forcedposttransactions

• Cashback

Sale(creditordebitcard)1. Press /F1.

2. Enterthetotal dollar amount forthesaleandpressOK.

3. CustomerconfirmsthedollaramountandpressesYesorNo.

4. Performoneofthefollowingpaymentmethods:Contactless,Insert,or Swipe.

ContactlessThecustomertapstheircontactless-enabledcreditcardonthecontactlesscardreader.Gotostep5.

Insert carda) Thecustomerinsertstheircreditcard.

b) ThecustomerenterstheirPINandpressesOK (creditcardonly).Gotostep5.

Swipe carda) Merchantswipesthecard.

b) Thecustomerselectstheirpaymentmethod: Co-brandorUnionPay.

c) VerifythecardinfowithwhatisontheterminalscreenandpressOK.

d) Ifthetransactionisdeclined,pleaseretrybutselecttheotherbrandoptioninstepb.Forexample,ifyoupreviouslyselectedCo-brand forthedeclinedtransaction,selectUnionPaythistime.Gotostep5.

5. Thescreenshowsthatthetransactioniscompletedwithanauthorizationnumberorapprovedmessage.Ifthereceiptrequeststhecustomer’ssignature,theymustsignthereceipt.Ifyoudonotreceivetheirsignature,youmayberesponsibleforchargebacks.

6. YoucanREPRINTthereceiptorFINISHthetransaction.

The customer may be required to swipe or insert their card in some cases.

Merchant NameAddress

City, ProvinceMerchant Number

Terminal ID

SALE06-16-2016 12:41:02Acct # 455763******1632 SN Card Type UPName: nnnnnnn

Trace # 010103Inv # 109Auth #089090 RRN 001003099

Sale $9.00

TOTAL $9.00

+++++++++++++++++++++++APPROVED-THANK YOU

+++++++++++++++++++++++

Retain this copy for yourrecords

Merchant copy

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UnionPay Cards Merchant Guide

SWIPE CARDINSERT CARD

UNIONPAY

ENTER PIN(optional)

RECEIPTS (optional)

FINISHED

ENTER AMOUNT SPLIT OR PAY FULL? (optional)

CONTACTLESS

SELECT PAYMENT OPTION

CONFIRM PAYMENT OPTION

TIP? (optional)

SELECT PAYMENT OPTION

CONFIRM AMOUNT

CO-BRAND

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Sale(phoneormail)

1. Press /F4Phone / Mail Sale.

2. Enterthedollar amountandpressOK.

3. Entertheaccount numberandpressOK.

4. Entertheexpiry dateandpressOK.

5. EntertheCVD numberandpressOK.Thisisanoptionalstepandisdependentuponyoursettingsandthecardrequirements.

6. Thescreenshowsthatauthorizationnumber,thetransactiontotalandthereceiptsprint.

VoidThistransactionisusedtocorrectapreviouslyenteredtransactionfromtheterminalinthecurrent,openbusinessday.YoucanalsouseTransactionRecalltorecallandcancel/voidatransactionbasedoninformationotherthanthetrace#.

1. PressOKVoid.

2. Enterthetrace #forthetransactiontobevoidedandpressOK.

3. Verifythatthisisthecorrecttransaction:VoidorBack.Ifyouselectback,youcanenteranewtrace#tovoid.

4. Thevoidedtransactionreceiptsprint.

Merchant NameAddress

City, ProvinceMerchant Number

Terminal ID

PH/MAIL SALE06-16-2016 12:41:02Acct # 476173******0010 M Card Type UPName: nnnnnnn

Trace # 010017Inv # 3Auth #010589 RRN 001003099

PH/Mail Sale $11.00

TOTAL $11.00

Retain this copy for yourrecords

Merchant copy

• These instructions are used for sales where the card is not present. If the card is present at sale, see Sale (credit card). If you use the incorrect sale transaction you could incur extra charges.

• There are risks performing transactions when the credit card is not present. Ensure that you perform all of the available security checks for phone / mail sale.

Merchant NameAddress

City, ProvinceMerchant Number

Terminal ID

VOID SALE06-16-2016 12:41:02Acct # 455763******1632 SNExp Date: 10/20 Card Type UPName: nnnnnnn

Trace # 010112Inv # 5Auth #010590 RRN 001003099

TOTAL $25.00

+++++++++++++++++++++++00 APPROVED-THANK YOU+++++++++++++++++++++++

Retain this copy for yourrecords

Merchant copy

If you have closed the business day that the transaction was performed in, you can only perform a return. The option to void the transaction is no longer available.

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UnionPay Cards Merchant Guide

ReturnYoucanonlyperformareturnonatransactionthathasalreadybeensubmittedforreimbursement.

1. PressOKReturn.

2. Enterthedollar amountandpress OK.

3. CustomerconfirmsthedollaramountandpressesYesorNo.

4. Performoneofthefollowing:Insert , SwipeorManual entrythecardinquestion.

Insert carda) Verifythecardinfowithwhatisonthe

screenandpressOK.

b) ThecustomermayberequiredtoentertheirPIN.Gotostep5.

Swipe carda) Verifythecardinfowithwhatisonthe

screenandpressOK.Gotostep5.

Manually enter carda) Entertheaccount numberandpressOK.

b) Entertheexpiry dateandpressOK.Thisisfourdigitsinlength.

c) Indicateifthereturnisforaphone/mailsale:Yesor No.Gotostep5.

5. Thescreenshowsthatauthorizationnumber,thetransactiontotalandthereceiptsprint.Thecustomermustsignthesignaturefieldonthemerchantcopy.

Merchant NameAddress

City, ProvinceMerchant Number

Terminal ID

RETURN06-16-2016 12:41:02Acct # 476173******0010 M Card Type UPName: nnnnnnnA00000000980840

Trace # 010009Inv # 17Auth #931333 RRN 001003099

Return $15.00

TOTAL $15.00RETURN

+++++++++++++++++++++++APPROVED-THANK YOU

+++++++++++++++++++++++

X________________________Signature

Retain this copy for yourrecords

Merchant copy

Debit returns are disabled by default. If you wish to activate debit returns on your terminal please call the TD Merchant Solutions Help Desk at 1-800-363-1163.

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Pre-authorizationsThistransactionisgenerallyusedbyhotels,restaurantsthatdeliverfoodandcarrentalagencies.Byrunningapre-authorizationthemerchantverifiesthatthecustomer’screditcardcurrentlyhastheavailablefundsforthepurchase.Thepre-authorizedamountischargeduponcompletionofthetransactionatalatertimeordate.

Restrictions

• Activateonterminal(s)-Ifyouwishtousepre-authoriizationsinyourbusiness,youmustcontactTDMerchantSolutionsHelpDesktoactivateit.

• Pre-authorizationscanbeleftopenfor10daysmaximum.

StepsThepre-authorizationoptionhastwosteps:

• Open

• Close

Openapre-authorizationPerformthistransactionifyouwishtocreateanewpre-authorization.

1. Press /F3 key.

2. Enterthetotal dollar amount forthepre-authorizationandpressOK.

3. Customerselectsoneofthefollowingpaymentmethods:Insert, Swipeor Contactless.

Contactlessa) Thecustomertapstheircontactless-enabledcredit

cardonthecontactlesscardreader.Gotostep4.

Insert carda) Thecustomerinsertstheircreditcard.

b) ThecustomerenterstheirPINandpressesOK.Gotostep4.

Swipe carda) Thecustomerswipestheircreditcard.

b) VerifythecardinfowithwhatisontheterminalscreenandpressOK.

c) Ifthetransactionisdeclined,pleaseretrybutselecttheotherbrandoptioninstepb.Forexample,ifyoupreviouslyselectedCo-brand forthedeclinedtransaction,selectUnionPaythistime.Gotostep4.

4. Thescreenshowsthetransactiontotalandthereceiptsprint.Thecustomermustsignthesignaturefieldonthemerchantcopy.

Merchant NameAddress

City, ProvinceMerchant Number

Terminal ID

PREAUTHORIZATION06-16-2015 12:41:02Acct # 455763******1632 CExp Date 12/18 Card Type UPName: nnnnnnn

Trace # 050034Inv # 62Auth # 010669 RRN 001003099

Pre-Auth Sale $30.00Tip $__________

TOTAL $__________

X _______________________Signature

I agree to pay the above totalamount according to the card

issuer agreement.

Retain this copy for yourrecords

Merchant copy

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UnionPay Cards Merchant Guide

Closeapre-authorizationPerformthistransactionifyouneedtocloseanexistingpre-authorization.

1. Press / F2 key.

2. Enterthetracenumberfromtheinitialpre-authori-zationreceiptandpressOK.

3. Closethepre-authorization:ComporBack.

4. Enterthetip amount signedforbytheclientontheoriginalreceiptandpressOK.

5. Confirmthedollaramountandpress:AcceptorChange.

6. Iftheamountexceedstheallowablelimiteitherconfirmorcancelthetransaction:OKorCancel.IfyoupressOKyouwillbepromptedforasupervisorIDandpasswordtocontinuewiththehigheramount.Gotostep7.IfyoupressCancelprocesswillbecancelledandyouwillreturntotheIdlescreen.

7. Thescreenindicatesthatthetransactionisapprovedandthereceiptsprint.

8. Ifthereareotherpre-authorizationsopenyouwillbepromptedwiththeoptiontocloseanother:YesorNo.

ReceiptsEachtransactionhasadifferentreceiptandmostoftheinformationispurelyforrecordkeeping.Thereisimportant information that youneedtobeawareoftoensurethatyourtransactionshavecompletedcorrectly.

Receiptcodes

Card typeUP UnionPay

Important information

Trace # Thetracenumberassociatedwiththetransaction

Inv # Theinvoicenumberassociatedwiththetransaction.

Auth # Theauthorizationnumber associatedwiththetransaction

Signature Thecardissuerdetermineswhenasignaturesisrequiredforatransactionsoensurethattheclientsignsthesereceipts.

Approved AlwaysensurethatthetransactionwasapprovedasitcouldbeDECLINED.

Merchant NameAddress

City, ProvinceMerchant Number

Terminal ID

PRE-AUTH COMP.06-16-2016 14:57:07Acct # 455763******4444 CExp Date: 10/18 Card Type UPName: nnnnnnn

Trace # 40001Inv # 109Auth #132098 RRN 001003099

Pre-Auth Sale $30.00Tip $5.00TOTAL $35.00

+++++++++++++++++++++++00 APPROVED-THANK YOU+++++++++++++++++++++++

Retain this copy for yourrecords

Merchant copy

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Call Centre InformationPleasecalltheTDMerchantSolutionsHelpDeskat1-800-363-1163.Wewouldbehappytoansweranyquestionsyoumayhave.

Authorization:24hoursaday,sevendaysaweek

Terminal Inquiries:24hoursaday,sevendaysaweek

General Merchant Inquiries:Monday–Friday,8a.m.–8p.m.ET

Printer / Stationery Supplies:Monday–Friday,8a.m.–5p.m.ET

Documentation PortalThisGuidecoversthemostcommonlyusedinformationinordertogetyoustarted.Yourterminalhasmorefeaturesandfunctionalitytoexploreonourdocumentationportalwww.TDMerchantSolutions.com/ResourceCentre.

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