Name: Dept:
Date:
Received Training Outline
- Quick Reference Guide
- “DO NOT VOID” Job Aid
- Departmental Refund with Instructions
- Video Notes
Unit 1: Credit Card Security Presentation
Unit 2: Credit Card Processing Presentation
Quiz: Security and Processing Post-Test
Turn Outline in to Trainer for Certificate
Initial
Initial
Your signature states that you have completed the module and have received no assistance from anyone in this process.
Date
Initial
Initial
Initial
Off-Line Entry
Auth Only
Mail/Phone Order
Prepaid Balance Inquiry
› Press
› Enter Acct Number +
› Exp. Date +
› Server Number +
› Base Amount +
› *Tip Amount +
› Total Correct? +
› Approval Code + Enter
Enter
Enter
Enter
Enter
Enter
Enter
› Press + 9 +
› Swipe Card
Or Acct Number +
› Exp. Date +
› Server Number +
› Base Amount +
› *Tip Amount +
› Total Correct? + Enter
Enter
Enter
Enter
Enter
Enter
Enter
› Press
› Enter Acct Number +
› Exp. Date +
› Server Number +
› V-Code★: 1 = Not Present2 = Present 3 = Illegible4 = Absent
Press 2 to enter the CVV2 value,or the option that applies ifno CVV2.
› Enter CVV2 Value FromCard +
› P.O./ID# (invoice #) +
› Base Amount +
› *Tip Amount +
› Street Address +
› Zip Code + Enter
Enter
Enter
Enter
Enter
Enter
Enter
Enter
Enter
NOTE:
› Press
› Swipe Card
› Server Number +
› Sale Amount +
› *Tip Amount +
› Cash Amount +
Total Correct?
› To Accept Press
› To Adjust Press
› Enter PIN + Enter
Clear
Enter
Enter
Enter
Enter
Enter
› Swipe Card
› Or Enter Acct Number +
› Exp. Date +
Card Present?
› If Yes,
› If No, and Follow
Mail/Phone Order
› Server Number +
On Manually Entered Sale Only:› V-Code★: 1 = Not Present
2 = Present 3 = Illegible4 = Absent
Press 2 to enter the CVV2 value,or the option that applies ifno CVV2.
› Enter CVV2 Value FromCard +
› Base Amount +
› *Tip Amount +
› Total Correct? + Enter
Enter
Enter
Enter
Clear
Enter
Enter
Enter
› Press
› Choose Debit, Credit or EBT
› Swipe Card Or
› Enter Acct Number +
› Exp. Date +
› Server Number +
› Refund Amount + Enter
Enter
Enter
Enter
Sale Debit RefundDebit Refund
RESTAURANT
Off-Line
MO/TO
Optional Prompts may be marked with an asterisk. Optional prompts may include: Last 4 digits if fraud control is ON, numericaddress and zip code and imprint card on manual entries and mail/phone orders, password, table ID, tip amount, and invoicenumber if those options are activated.
★CVV2 (also CVC2 and CID) codes are often requested for manually entered transactions. These codes normally appear on theback of the card as the last 3 digits on the right of the signature panel, directly below the mag stripe
Corporate, Business, and Purchasing Cards: may prompt for additional information after authorization is received, including taxamount (select option for exempt if not applicable) and customer code (enter a 1-17 digit code supplied by the customer or entera 9 if code is unknown).
Quick Reference Guide
Hypercom Optimum T4100
› Press or
› Select Prepaid Bankcard
› If Prompted, Choose Balance
› Swipe Card
Bal Inq
Func
From the HOME screen, press the button next to “Financial” to run the credit/debit application.
Gift/Loyalty
Enter
Reprint
› Press
› *Password +
Sales Correct?
› Press to Accept
› Or to Reject
Refunds Correct?
› Press to Accept
› Or to Reject
Enter
Void› Press
› Choose Last or Invoice
› If Invoice, Invoice Number +
Correct? Yes or No
› To Void Press
Enter
Enter
Void
NOTE:
Batch Review Settlement Adjust
Reports Totals Server Log-On/Off› Press + 5 +
To See Totals by Card Type:
› Press
Repeatedly Until TerminalReads “No More Totals”
To Exit Totals:
› Press
› Press + 77 +
› Server Number +
Sign On? Or Sign Off?
› Press for Yes
› Or for No
› Press to Exit
› Press
› Server Number +
› Invoice Number +
› To Adjust Press*
› Base Amount Correct?
› To Adjust Press then
Enter New Amount +
› Tip Amount Correct?
› To Adjust Press
› Enter New Tip Amount
+
› To Add Tip, Enter Tip
+ Press
› To Accept Press
› Press to Exit
Enter
Enter
Tip Adjust
Func
RESTAURANT
QRG-00-39-5051NSB Rev. 05-2006
Hypercom Optimum T4100
Settle
Enter
Clear
Enter
Clear
Enter
Clear
Enter
Enter
Cancel
Enter
Enter
Enter
Clear
› Press
› Server Number +
To Scroll Through the Batch:
› Press for Previous
› Or for Next Trans.
› To End Review Press
Enter
Enter
Open/Close Tabs = Press + 20 + . Then select 1 = Open Tab or 2 = Close TabFunc Enter
› Press
› Select Report:
1 = Audit2 = Summary3 = Server* 4 = Tips5 = Tip Discounts6 = Reprint7 = Open Tabs8 = Performance9 = Configuration
*For Server Report, Select1 = Detail, 2 = Summary, or 3 = Unadjusted
› Host Number +
› Or Press White Button for All Hosts
Reports
Clear
Enter
Enter
Clear
Clear
Cancel
Enter
Cancel
Func Enter
› Press
1 = Last or 2 = invoiceLast: 1 = Customer Copy
2 = Merchant CopyInvoice:
› Invoice Number +1 = Customer Copy2 = Merchant Copy
Enter
Reprint
Cancel
Review
Enter
DO NOT VOID
PIN BASED DEBITS
What is a PIN Based Debit?
Transactions that are processed as debit cards. This
involves pressing the Debit Key first before swiping and then
asking the customer to enter their PIN on the key pad.
Does that include the FSU Card?
You can only process the FSU Card
as a PIN Based Debit unless paying
for balances online.
If I can’t void a PIN Based Debit, how can I give
customers a refund on their transaction?
You can file a Departmental Refund Form to Student
Financial Services. Forms are located on the Controller’s
Website under Forms/Student Financial Services/RS34.
What happens if I do void a PIN Based Debit?
First, the customer does not get a refund. Second, the bank
holds on to that money for 30 days and then deposits it
back into our account. Third, SFS has extra work to do
figuring out where to allocate that money.
Office of the University Controller Student Financial Services Florida State University 1500 University Center A
Tallahassee, FL 32306-2394 Ph: (850) 644-9452 Fax: (850) 644-5142
RS34, Revised 10/2009
Client Information (name and address):
FSUSN / Vendor ID #:
Please choose a method of refund: Credit Card* Card #: Exp. Date:
FSU Card Card #:
Check (default option, a check will be mailed to the address listed above.)
Refund Information: Seq # Department Number Account NumberFund Code Amount
001
002
003
004
005
Total Amount:
Refund Initiator: Phone Number:
Supervisor: Phone Number:
__________________________________________ ________________________ Supervisor Signature Date
Reason for Refund:
Choose One:
SFS Use Only: Reference Number
Departmental Refund Form
Department: *Credit Card payments more than 60 days old must be refunded by check instead of to the credit card.
Introduction Handout 4/7/2011
1
Credit Card Processing
Introduction
Credit Card Processing
Introduction
Welcome!
FSU proudly accepts:
• Debit Cards• Credit Cards
Credit Card Processing
Introduction
Payment Cards =
$$ Millions per year $$spent at FSU
Introduction Handout 4/7/2011
2
Credit Card Processing
Introduction
Merchant Processing Responsibilities:
• Safety• Security
Credit Card Processing
Introduction
Employee Responsibilities:
• Knowledge of policies• Knowledge of procedures
Credit Card Processing
Introduction
Welcome to Credit Card Processing Training.
In an effort to stay competitive within the market place, FSU
proudly accepts debit and credit cards for payment.
Thank you for participating in this training.
Signature
Next Step: Pre-Test
Security Handout 4/7/2011
1
Credit Card Processing
Security and Fraud Prevention
Credit Card Processing
Objective: explain…
1. Security and Fraud Prevention Tips.
2. How to Process a Transaction.
3. How to Audit and Settle a Batch.
4. Who to Call for Questions and Problems.
Credit Card Security and Fraud Prevention
Access to Data
• Hackers – remote access• Thieves – local access
Secure your premises against unauthorized access!
Security Handout 4/7/2011
2
Credit Card Security and Fraud Prevention
Access to Data
• Limit public access• Distinguish visitors from employees
• “Need to know” basis
Credit Card Security and Fraud Prevention
Access to DataDo not store:
• Full contents of any track from the magnetic stripe.• Card Verification Code (CVV2, CID, CAV2).• Personal Identification Number (PIN).
Magnetic Stripe
Credit Card Security and Fraud Prevention
Access to Data• Primary Account Number (PAN)
Render unreadable
• Truncated PAN:
************1234
• OK to store: first six digits last four digits
Security features on a credit card
Security Handout 4/7/2011
3
Credit Card Security and Fraud Prevention
• Best Practices – Card Present Transaction– Check for signature – Verify signed receipt– If card not signed: ask to sign it valid photo ID with signature compare signatures
– If “See ID” written, same as above
Credit Card Security and Fraud Prevention
• Best Practices – Key Entered Transaction
– Is terminal working?– Check expiration date– Manual imprint – Sign imprinted sales slip– Compare signatures
Credit Card Security and Fraud Prevention
• Best Practices – Visa’s Six Fraud Warning Signs:
– Lots of merchandise
– Various sizes, styles, colors, prices– No customer questions – Distractions or rushed– Comes back to buy more
– Purchases close to opening or closing time
– Refuses free delivery
Security Handout 4/7/2011
4
Credit Card Security and Fraud Prevention
• Best Practices – Security Breaches
– Difficult to detect – Chance of breach is minimal and unlikely – Stay alert for breaches at work at home
If you suspect something, contact your supervisor!
Feedback
Reflection:
Do the reasons behind credit card security make sense to you?
Address questions with your trainer.
Processing Handout 4/7/2011
1
Credit Card Processing
Transactions & Batches
Credit Card Processing
Objectives: explain…
1. Credit Card Security and Fraud Prevention Tips.
2. How to Process a Transaction.
3. How to Audit and Settle a Batch.
4. Who to Call for Questions and Problems.
FSU Credit Card Policy
FSU Policies• Merchants accept:
Visa
MasterCard
American Express
Discover
FSU Card
Processing Handout 4/7/2011
2
How to Process a Transaction.
1. Swipe Card Here
2. Enter Amount on Key Pad
3. Press Enter
Processing as a credit card:
How to Process a Transaction.
2. Swipe Card Here
1. Hit Debit Key
Processing a debit card using a PIN
4. Have Customer Enter PIN and hit Enter
3. Enter Sales
Amount
How to Process a Transaction.
NEVER VOID A PIN BASED DEBIT
TRANSACTION!!!
Processing a debit card using a PIN
Processing Handout 4/7/2011
3
How to Process a Transaction.
Processing a debit card using a PIN
Do not void pin-based debit transactions!
Departmental Refund Form RS-34• sent to Student Financial Services.
Voiding a PIN Base Debit: • will not give refund• skew batch totals
How to Process a Transaction.
Processing a Mail/Phone Order:
Information necessary:1. Cardholder Name2. Billing Address and Zip Code3. Card Number4. Security Code5. Expiration Date6. Amount
How to Process a Transaction.
Processing a Mail/Phone Order
Press Moto Key
Enter Information when prompted. Be sure not to
Bypass any fields. If information is not available, enter your departments
information such as zip code, etc.
Processing Handout 4/7/2011
4
How to Audit and Settle a Batch.
2. Select Audit and Print. Take all of the day’s receipts and compare it to the Audit Total.
Make sure it matches.
1. Select Reports
3. Settle Batch
End of Day Procedures
How to Audit and Settle a Batch.
End of Day Procedures
• Audit report to receipts mis-match? DON’T settle the batch! Investigate the reason
It is much easier to figure out any errors prior to settling than afterwards.
Who to Call for questions and problems
Who to Call With Concerns
Call Merchant Services at 1-800-228-5882• problem settling a batch • processing a transaction• order supplies• questions regarding your terminal
Processing Handout 4/7/2011
5
Who to Call for questions and problems
Who to Call With Concerns
Feedback
Reflection:
How comfortable do you feel with processing?
Address questions with your trainer.