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Credit and Debit Card Payments - Connecting Standard ERP to a credit and debit card processing system

This page describes connecting Standard ERP to a separate system that will control the processing of credit and debit card payments for POS Invoices. When a cashier receives a credit or debit card payment for a POS Invoice, they will seamlessly connect Standard ERP to the processing system. It will instruct the cashier to swipe the credit or debit card using a connected card reader, process the payment and finally update Standard ERP with the result of the process. At the time of writing, card processing applications supported by Standard ERP for use with POS Invoices are Bambora (Sweden), PC-EFTPOS (Australia and New Zealand), Point via Banksys Yomani and VeriFone Vx810 (Finland) and Verifone (Latvia).

Precise configuration details will vary depending on the card processing applications you are using. What follows is a general guide: for more detailed information, please refer to your local HansaWorld representative.

General Configuration

Before proceeding to the instructions for each processing system, ensure you have assigned Local Machine Codes to your tills and cash machines.

In the case of tills and cash machines with live connections to the server, open the Local Machine setting in the User Settings module and ensure the Code field in the header contains the correct Local Machine Code. You should do this separately on each till. If the Local Machine Code field was previously empty, you should quit Standard ERP on the till and restart.

In the case of a till with a live-sync connection to the server, you will have assigned a Local Machine Code when you connected the till to the server for the first time.

If you have tills with live-sync connections to the server, ensure you have define separate Number Series for Credit Card Slips for each live-sync till in the Synchronised Number Series setting, and that you have also defined a different Number Series for live tills in the Number Series - Coupons setting.

Bambora via iSMP Companion and Ingenico iPP 350

In Sweden, Standard ERP can process credit and debit card payments for POS Invoices through Bambora. The connection to Bambora will be made through credit card terminals that you should connect to each till and cash machine: supported terminals are the iSMP Companion (connects to iOS only, using Bluetooth) and the Ingenico iPP 350.

To configure Standard ERP to process credit card payments through Bambora, follow these steps:

  1. Connect iSMP Companion or the Ingenico iPP 350 credit card terminals to each till or cash machine likely to process credit card payments. In the case of the iSMP Companion, pair it to the iOS device that will run Standard ERP.

  2. Working separately on each till connected to an iPP 350, open the Local Credit Card Terminal setting in the Point of Sales module and set the Terminal Type to "Bambora". Enter the IP address of the device, and specify 1337 as the Port.

    On each iOS device connected to an iSMP, open the Local Credit Card Terminal setting. Set the Terminal Type to "Bambora" but leave the other fields empty.

  3. Add a "Credit Card" button to the POS Invoice window. In the row in the POS Button record that adds this button, you must specify a Payment Mode in the Code field, using 'Paste Special' if necessary. This Payment Mode will determine the Nominal Ledger Accounts that will be debited with the value of the credit and debit card payments. You should also add "Connect to CC Terminal" and "Reprint Last CC Slip" buttons:

    An option that is available is to use separate "Credit Card" buttons for each credit card type (e.g. American Express, Visa, MasterCard, Discover etc). For each button, specify a different Payment Mode as the Code, with each Payment Mode posting to a different Account. This will allow you to reconcile credit card statements more easily.

  4. Create a record in the Merchant ID setting in the Point of Sales module in which the Partner is "Bambora":

  5. Create a record in the Payment Gateways setting in the Point of Sales module that refers to the Merchant ID record from the previous step, and in which you have set the Type to "POS":

PC-EFTPOS

PC-EFTPOS is an application available in Australia and New Zealand that allows point of sales applications including Standard ERP to communicate with EFTPOS card devices. PC-EFTPOS can only be used on Windows tills and cash machines.

To configure Standard ERP to communicate with PC-EFTPOS, follow these steps:

  1. Connect EFTPOS credit card terminals to each till or cash machine likely to process credit card payments. EFTPOS credit card terminals are available with USB or DB9 serial port connections: if your terminals have DB9 connections, you will need to use USB-to-DB9 adapters.

  2. Install the PC-EFTPOS software on each till. Detailed instructions are available from your local HansaWorld representative.

  3. Again working separately on each till, open the Local Credit Card Terminal setting in the Point of Sales module and set the Terminal Type to "PC-EFTPOS (IP)". Enter "localhost" as the IP address. In the IP Port field, enter the port that you specified (when installing the PC-EFTPOS software) to be used by the EFTPOS card terminal to communicate with the till:

    Tick the Terminal prints Receipt and Terminal cuts Receipt options if you would like the card terminal to print receipts. Otherwise, they will be printed by Standard ERP.

    Although this setting is in the Point of Sales module, it is stored in the databases on the client machines. Therefore, you need to configure it separately on each client.

  4. Add a "Credit Card" button to the POS Invoice window. In the row in the POS Button record that adds this button, you must specify a Payment Mode in the Code field, using 'Paste Special' if necessary. This Payment Mode will determine the Nominal Ledger Accounts that will be debited with the value of the credit and debit card payments:

    An option that is available is to use separate "Credit Card" buttons for each credit card type (e.g. American Express, Visa, MasterCard, Discover etc). For each button, specify a different Payment Mode as the Code, with each Payment Mode posting to a different Account. This will allow you to reconcile credit card statements more easily.

  5. Create a record in the Merchant ID setting in the Point of Sales module in which the Partner is "PC-EFTPOS":

  6. Create a record in the Payment Gateways setting in the Point of Sales module that refers to the Merchant ID record from the previous step, and in which you have set the Type to "POS":

Point via Banksys Yomani or VeriFone Vx810

In Finland, Standard ERP can process credit and debit card payments for POS Invoices through the Point Transaction Collecting System. The connection to Point will be made through credit card terminals that you should connect to each till and cash machine: supported terminals are the Banksys Yomani and the VeriFone Vx810.

To configure Standard ERP to process credit card payments through the Point Transaction Collecting System, follow these steps:

  1. Connect Banksys Yomani or VeriFone Vx810 credit card terminals to each till or cash machine likely to process credit card payments.

  2. Working on a desktop client, change to the Technics module and open the Local Machine Serial Port Devices setting. This setting should contain separate records for each individual serial port device (i.e. separate records for each individual card terminal). By specifying a Local Machine Code in each record, you will in effect use the setting to specify which tills and cash machines are connected to card terminals. Enter a separate record for each individual card terminal as follows:

    Code
    Enter a unique Code for the card terminal. The Code can consist of up to ten characters, and you can use both numbers and letters.

    Local Machine
    Paste Special    Local Machines setting, Point of Sales/Restaurant/Technics module
    Enter the Local Machine Code of the till or cash machine to which the card terminal is or will be attached.

    Device Class
    Paste Special    Choices of possible entries
    Use 'Paste Special' to set the Device Class to "Credit Card Terminal".

    Device Model
    Paste Special    Choices of possible entries
    Use 'Paste Special' to set the Device Model to "Credit Card Terminal Yomani Banksys" or "Credit Card Terminal Verifone" (depending on the model of card terminal you are using).

    Port
    Specify the till's serial port to which the card terminal is connected.

    If the till is a Windows machine, you may need to obtain a USB virtual comport driver.

    If the Till is a Mac OS X or Linux machine and does not have a serial port, you will need an RS232-to-USB adapter. Install the driver supplied with the adapter. To discover the port number of the new port, you can use the Network section of System Preferences or type ls /dev/tty.* in a new Terminal window. Then enter the port number in this field (for example, /dev/tty.usbserial or /dev/tty.KeySerial1).

    Baud Rate, Flow Control, Data Bits, Stop Bits, Parity
    Refer to the manual for the card terminal to specify the appropriate communications settings. In the case of the Flow Control field, you can choose the relevant value using 'Paste Special'.

    Codepage
    Paste Special    Choices of possible entries
    Specify the code page (character encoding system) that is to be used when communicating with the card terminal. This information can again often be found in its manual.

    All other fields should be empty.

  3. Again working separately on each client or Till, open the Local Credit Card Terminal setting in the Point of Sales module and set the Terminal Type to "Yomani banksys (Serial/COM)":

    Leave the other fields empty. The purpose of this record is simply to signify that credit card payments are to be sent to Point via a credit card terminal.

    Although this setting is in the Point of Sales module, it is stored in the databases on the client machines. Therefore, you need to configure it separately on each client.

  4. Add "Credit Card" and "Credit Card Payment Reversal" buttons to the POS Invoice window. In the rows in the POS Button record that add these buttons, you must specify a Payment Mode in the Code field, using 'Paste Special' if necessary. These Payment Modes will determine the Nominal Ledger Accounts that will be debited with the value of the credit and debit card payments (credited in the case of the "Credit Card Payment Reversal" button):

    An option that is available is to use separate "Credit Card" buttons for each credit card type (e.g. American Express, Visa, MasterCard, Discover etc). For each button, specify a different Payment Mode as the Code, with each Payment Mode posting to a different Account. This will allow you to reconcile credit card statements more easily.

  5. Refer to the USB/Wifi receipt printers with user-definable print-outs page for details about connecting printers and designing the Form Template that will be used to print receipts.

    To print credit card slip information on receipts, include the following fields in your Form Template:

    Credit Card Slip Note
    Enter CUSTOMER as the Field Argument in this field.

    Credit Card Slip Note 2
    Enter MERCHANT as the Field Argument in this field.

    Specify a Line Height in both fields.

    Depending on the printer you are using, you may need to set the Form Template to print two copies, using the 'Copies' function on the Operations menu).

Verifone

In Latvia, Standard ERP can process credit and debit card payments for POS Invoices through Verifone. The connection will be made through credit card terminals that you should connect to each till and cash machine.

To configure Standard ERP to process credit card payments through Verifone, follow these steps:

  1. Connect credit card terminals to each till or cash machine likely to process credit card payments.

  2. Working on a desktop client, change to the Technics module and open the Local Machine Serial Port Devices setting. This setting should contain separate records for each individual serial port device (i.e. separate records for each individual card terminal). By specifying a Local Machine Code in each record, you will in effect use the setting to specify which tills and cash machines are connected to card terminals. Enter a separate record for each individual card terminal as follows:

    Code
    Enter a unique Code for the card terminal. The Code can consist of up to ten characters, and you can use both numbers and letters.

    Local Machine
    Paste Special    Local Machines setting, Point of Sales/Restaurant/Technics module
    Enter the Local Machine Code of the till or cash machine to which the card terminal is or will be attached.

    Device Class
    Paste Special    Choices of possible entries
    Use 'Paste Special' to set the Device Class to "Credit Card Terminal".

    Device Model
    Paste Special    Choices of possible entries
    Use 'Paste Special' to set the Device Model to "Credit Card Terminal Verifone".

    Port
    Specify the till's serial port to which the card terminal is connected.

    If the Till is a Mac OS X or Linux machine and does not have a serial port, you will need an RS232-to-USB adapter. Install the driver supplied with the adapter. To discover the port number of the new port, you can use the Network section of System Preferences or type ls /dev/tty.* in a new Terminal window. Then enter the port number in this field (for example, /dev/tty.usbserial or /dev/tty.KeySerial1).

    Baud Rate, Flow Control, Data Bits, Stop Bits, Parity
    Refer to the manual for the card terminal to specify the appropriate communications settings. In the case of the Flow Control field, you can choose the relevant value using 'Paste Special'.

    Codepage
    Paste Special    Choices of possible entries
    Specify the code page (character encoding system) that is to be used when communicating with the card terminal. This information can again often be found in its manual.

    All other fields should be empty.

  3. Remain in the Local Machine Serial Port Devices setting and enter separate records for the fiscal printers that will be attached to each till and cash machine. Please refer here for more information about fiscal printers.

  4. Again working separately on each client or Till, open the Local Credit Card Terminal setting in the Point of Sales module and set the Terminal Type to "Verifone (Serial/COM)":

    Leave the other fields empty. The purpose of this record is simply to signify that credit card payments are to be sent to Verifone via a credit card terminal.

    Although this setting is in the Point of Sales module, it is stored in the databases on the client machines. Therefore, you need to configure it separately on each client.

  5. Add "Full Payment" and/or "Pay (one Mode)" buttons to the POS Invoice window.

    In the case of "Full Payment" buttons, you can add more than one button, representing different payment methods. For example, you might add one "Full Payment" button to be used for cash payments and one for credit card payments. In the rows in the POS Button record that add these buttons, you must specify a Payment Mode in the Code field, using 'Paste Special' if necessary. These Payment Modes represent the payment method (e.g. cash or credit card) and will determine the Nominal Ledger Accounts that will be debited with the value of the payments. You can use separate "Full Payment" buttons for each credit card type (e.g. American Express, Visa, MasterCard, Discover etc). For each button, specify a different Payment Mode as the Code, with each Payment Mode posting to a different Account. This will allow you to reconcile credit card statements more easily:

    In the case of the "Pay (one Mode)" button, list the Payment Modes (i.e. the payment methods) that can be used on each till in the Local Machine Payment Modes setting. Again, you can use separate Payment Modes for different credit card types. The Local Machine Payment Modes setting is described here.

Workflow (except Verifone)

After completing the configuration steps described above, cashiers will be able to receive credit and debit card payments, as follows:
  1. After adding every Item to a POS Invoice, the cashier should click or touch the appropriate "Credit Card" or "Debit Card" button for the type of the credit or debit card.

  2. If you are using Bambora or PC-EFTPOS, the 'Credit Card Payment' window will appear:

    If you are using Point via Banksys Yomani, a simpler window will appear:

  3. Enter the value of the credit card payment in the Amount field (this will default to the total of the POS Invoice) and click or touch [Proceed].

  4. In all cases, control will be passed to the credit card terminal. The customer should swipe their card, and the payment will be processed. The terminal will send information to the till or cash machine so the cashier can monitor progress.

  5. After the payment has been processed, a line will be added to the bottom of the POS Invoice, showing the value of the credit card payment. A record will also be created in the Credit Card Slips setting in the Point of Sales module.

  6. If the payment was successful and was sufficient to pay the POS Invoice in full and depending on which credit card processing system you are using,, the Invoice will be Finished automatically, and a new POS Invoice opened. Otherwise, register additional payments as appropriate and then use the "Finish" button.

Workflow (Verifone)

After completing the configuration steps described above, cashiers will be able to receive credit and debit card payments, as follows:
  1. After adding every Item to a POS Invoice, the cashier can click or touch the appropriate "Full Payment" button for the type of the credit or debit card, or they can click or touch the "Pay (one Mode)" button.

  2. If the cashier uses the "Pay (one Mode)" button, the 'Payment' window will appear:

    This window will contain one button for each Payment Mode (payment method) assigned to the till in the Local Machine Payment Modes setting.

    If the Customer pays the full amount using a single credit card, there is no need to enter a figure in the Amount Tendered field. Simply click or touch the button that represents the relevant credit card.

    If the Customer pays using more than one credit card, enter the value of the first payment in the Amount Tendered field and click or touch the button that represents the relevant credit card. The payment will be processed as described in steps iii-iv. The, enter the next payment value in the Amount Tendered field and click or touch the button that represents the next credit card.

  3. In both cases ("Full Payment" and "Pay (one Mode)", control will be passed to the credit card terminal. The customer should swipe their card, and the payment will be processed. The terminal will send information to the till or cash machine so the cashier can monitor progress.

  4. After the payment has been processed, a line will be added to the bottom of the POS Invoice, showing the value of the credit card payment. Records will also be created in the Credit Card Slips and Credit Card Terminal Slips settings in the Point of Sales module.

  5. If you used the "Pay (one Mode") button and the payment was sufficient to pay the POS Invoice in full, click or touch [Proceed] to close the 'Payment' window. The Invoice will be Finished automatically, and a new POS Invoice opened.

    If the payment was not sufficient to pay the POS Invoice in full, click or touch the [Close] button to return to the POS Invoice to process additional payments as appropriate.

    If you used the "Full Payment" button, use the "Finish" button to close the Invoice and open a new one.

Returns

If you need to refund a credit card transaction, you will usually need to open the POS Invoice that is to be refunded, use the "Return" button and then the "Credit Card" button (or "Full Payment" or "Pay (one Mode)" buttons if you are using Verifone). Please refer here for details about the "Return" button.

However, if you are using Point via Banksys Yomani, you may be able to use the "Return" button and then the "Credit Card Payment Reversal" button. After a credit card transaction has been processed through Point via Banksys Yomani, it will be cleared through the Point system. The clearing process normally occurs nightly. If a transaction hasn't been cleared, you can reverse it using the "Credit Card Payment Reversal" button. If it has been cleared, use the "Credit Card" button instead of the "Credit Card Payment Reversal" button to create a new transaction.

Follow these steps:

  1. Open the POS Invoice whose credit card payment is to be refunded.

  2. Click or touch the "Return" button. A new POS Invoice will be opened, a duplicate of the original in which the amounts are negative.

  3. if you are using Point via Banksys Yomani and you can reverse the transaction, click or touch the "Credit Card Payment Reversal" button. The 'Yomani Banksys Credit Card Payment Reversal' window will open, showing the Transaction ID of the transaction that is to be reversed.

    If you cannot reverse the transaction or you are not using Point via Banksys Yomani, click or touch the "Credit Card" button (or "Full Payment" or "Pay (one Mode)" buttons if you are using Verifone).

  4. Enter the value of the reversed or refunded payment in the Amount field (this will default to the total of the POS Invoice) and click or touch the [Proceed] button.

  5. Process the payment reversal or refund following the instructions on screen.

  6. A line will be added to the bottom of the POS Invoice, showing the value of the credit card payment reversal or refund. A record will also be created in the Credit Card Slips setting in the Point of Sales module.

  7. If the POS Invoice was paid in full by the credit card payment reversal or refund, it will be Finished automatically, and a new POS Invoice opened. Otherwise, register additional payments as appropriate and then use the "Finish" button.
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Configuring the POS Invoice Window:

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