m Faster Smarter IP EFTPOS faster smarter ip eftpos Tyro EFTPOS Set Up Guide October 2014 Tyro’s EFTPOS terminals are easy to set up and use with step-by-step prompts guiding you through the process. This guide takes you through the installation and usage of your terminals while informing you of security standards and measures. Tyro Payments partners with most Point Of Sale (POS) and Practice Management (PMS) vendors to offer Integrated Payment Solutions for retail, hospitality, fashion, medical and other businesses. Go to www.tyro.com to check if your POS /PMS partner is Tyro certified. If not ask them how to integrate with Tyro. For the most updated version of this guide go to www.tyro.com. Thank you for choosing Tyro as your Merchant Service Provider. Unpack and Install Ethernet Connection XENTA Terminal Privacy Check your Tyro EFTPOS terminal package to ensure all components, as listed on the following pages are included. If any parts are missing, contact Tyro Customer Support. ! Select Ethernet (if necessary) and press DHCP for automatic or STATIC for manual IP address configuration. If unsure select DHCP. ! If you choose STATIC, the subsequent screens allow you to enter the necessary IP address information. ! Ask your network administrator for the IP address details. Tyro’s desktop terminal connects to the Internet via Ethernet or GPRS (only in standalone mode). XENTA’s innovative design offers maximum cardholder privacy. Set Up The first time you switch on your terminal, a Setup Wizard will assist you to connect to your network and to set up your terminal password. The desktop terminals connect via Ethernet, however they also support GPRS connections with additional hardware supplied by Tyro on request. The portable terminals support both GPRS and WiFi connections. Check on www.tyro.com to make sure that your network settings comply with Tyro’s requirements. The Setup Wizard deals with two issues: The type of network connection you are using and the IP address configuration method used in the network. GPRS Connection If using GPRS the terminals will have been pre-configured and will automatically connect to Tyro. Box Contents ! XENTA terminal ! Ethernet cable ! AC adapter/power cord Set Up Plug the Ethernet cable into the base of the terminal (1) connecting it to an available Ethernet port. Plug the power cable into the base of the terminal (2) and connect it to an available power outlet. Terminal Features WiFi Connection ! Select WiFi (if necessary), the terminal will then scan for available WiFi networks. ! Select your network from the list and then enter the required passphrase. ! Ask your network administrator for the WiFi configuration details. ! The terminal will only connect to a WPA2 secured network. Activate For security reasons Tyro terminals are shipped in deactivated mode. Once connected and powered up, call Tyro to activate. Quote your company’s trading name and the terminal’s serial no located on its base. Once activated, the terminal’s display will show your company’s name, current date/time and the 1 “Swipe/Insert Card” message. 1. 2. 3. 4. 5. 6. 7. 8. Chip card interface Display Function keys Magnetic stripe reader Keypad Reset button Printer Printer cover The terminal will automatically power up. Call Tyro Support on 1300 966 639 to activate. Accessories Paper Roll Terminal accessories such as a swivel base, mounting pole etc. are available at request for the XENTA terminal. To order them go to Tyro’s Merchant Portal. Open printer. Ensure paper reservoir is empty. Insert paper as directed, ensure that it is not wrinkled and the roll is not sealed. Unroll about 5cm. Shut printer cover until it clicks. Paper must come out straight. 2 XENTISSIMO Terminal Set Up Accepted Cards Tyro’s portable lightweight terminal connects to the Internet via WiFi or GPRS (only in standalone mode). Insert the battery as shown Tyro acquires payments for all EFTPOS, MasterCard and VISA cards. Box Contents ! XENTISSIMO terminal ! Rechargeable battery ! AC adapter/power cord Terminal Features Plug the power cable into the side of the terminal to charge the battery. Once it displays “Swipe/Insert Card”, the indicator will show the battery’s charge status. Call Tyro Support on 1300 966 639 to activate the terminal. Paper Roll 1. 2. 3. 4. 5. 6. 7. Chip card interface Display Privacy shield Function keys Magnetic stripe reader Keypad Printer Open printer. Insert paper, ensure that it is not wrinkled and the roll is not sealed. Unroll about 5cm. Shut printer cover until it clicks. Paper must come out straight. Accessories Standby Mode Terminal accessories such as a cradle, carry bag, or lighter charger are available at request for the XENTISSIMO terminal. To order them go to Tyro’s Merchant Portal. The XENTISSIMO can be configured to go into standby mode after 2 minutes of inactivity. Privacy XENTISSIMO’s privacy shield offers maximum cardholder privacy and should not be removed. To enable/disable the standby mode: MENU >Settings >Standby Mode. When in standby, the display is blank. To re-activate the terminal press the ON button. Option not available for WiFi enabled terminals 3 integrated with a POS system. To accept American Express, JCB, Diners and Discover cards a supplementary agreement is required with American Express and Diners. ® EMV Chip Cards The terminal will beep and display “Remove Card” indicating when the card can be removed. The card must remain in the reading slot during the whole transaction Magnetic Stripe Cards Magnetic stripe cards must be swiped as shown: ® EMV enabled Chip Cards offer enhanced security for the merchant. They must be inserted into the reading slot as shown below. Fraudulent Cards Check for signs of suspicious activity: Insert the chip end of the card into ® the terminal facing up.The EMV Chip Card determines the way transactions are processed: ! ! ! ! ! No PIN or Signature PIN/Signature Signature only PIN only Both a PIN and a Signature. If the customer chooses to sign just enter OK on the PIN screen. Always follow the terminal prompts to process the transaction correctly. 4 ! The terminal shows “Insert Card” although the card does not have a chip. ! The cardholder tries to distract or rush you during the sale. ! The cardholder makes an initial small purchase, leaves and returns to make more purchases. ! Bulk buying of valuable goods regardless of size or colour. Call Tyro Support during or after the transaction on 1300 966 639 and ask for a “Code 10 Authorisation”. Tyro Support will guide you through a set of questions and if required will contact the card issuer. Administrator Password Recover Passwords Integrated EFTPOS/Easyclaim Menu Navigation The Administrator Password will be required to change the Tipping and Refund Passwords and to enable or disable functionalities on the terminal. The passwords are stored on the terminal and cannot be retrieved by Tyro Customer Support. With Integrated EFTPOS you can seamlessly integrate credit, debit, gift or any other card processing into your business. Press MENU to enter the menu. Use buttons ▲▼ to scroll through the settings. Press OK to choose. Return to the main display by pressing the red STOP button. Tyro will have emailed the default Administrator Password to the account administrator’s email address indicated in the application form. In case you lost or forgot any of the passwords go to: MENU >Settings >Recover Password. All passwords will be consequently emailed to the address shown on the terminal screen. Refund Password Change Passwords In order to restrict the ability to process Refunds, the administrator can allocate a separate password to this function. Go to MENU >Settings >Change Password to change the passwords. Password Security In case no Refund Password has been allocated the Administrator Password can be used as the default Refund Password. The Administration Password and the Refund Password are the only protection against misuse of the “Refund/Void” transaction feature. Tipping Password We strongly recommend changing the passwords: In order to restrict the ability to complete Tipping, the administrator can allocate a separate password to this function. ! On a regular basis ! After receiving new terminals ! When members of staff with knowledge of any password cease employment. In case no Tipping Password has been allocated then the Administrator Password can be used as the default Tipping Password. Tyro strongly advises you to use secure passwords and not to keep written records of any passwords. 5 With Integrated Medicare Easyclaim the PMS talks to the Tyro terminal preventing double entry errors, abolishing end of day batching while increasing transaction speed. Transaction Times The average transaction time is less than 3 seconds via Ethernet/WiFi and less than 7 seconds via GPRS. Tyro partners with the majority of POS/PMS vendors. Check on www.tyro.com for the current list of all Tyro’s POS/PMS partners. Purchase Transactions To process a Purchase Transaction, the customer must simply insert or swipe their card and select an account type. Tyro terminals will first have to be enabled for integrated transactions. To do so go to: MENU >Settings >Integrated EFTPOS >Enable >OK. If you have Integrated EFTPOS but want to process a transaction directly on the terminal go to: MENU >Transaction >Purchase. Swipe/Insert the card and follow the prompts. Integrated EFTPOS/Easyclaim is not available on GPRS terminals. Pairing with POS/PMS To process Integrated EFTPOS/ Easyclaim Tyro terminals must be paired with your POS/PMS system. Cash Out Transactions Cash Outs can be offered when processing a Purchase Transaction (only cheque/savings mode). This feature is only available to EFTPOS Debit cardholders. To do so refer to your POS/PMS’s User Guide Manual. If the terminal does not react to a POS/PMS initiated transaction, follow the instructions that appear on your POS/PMS display. 6 Cash Out must first be enabled via the settings menu: MENU >Settings >Prompt Cash Out >Enable >OK. Card-Non Present/MOTO Transactions The terminals can be configured to accept Card-Non Present, Mail Order Manual and Telephone (MOTO) Transactions. The MOTO function must be enabled via the settings menu: MENU >Settings >Enable MOTO >OK. Follow the prompts and enter your Administrator Password. Cardholder’s Data Storage Manual Transactions ! Never store the CVV2 security panel. ! Never store cardholder’s data on a computer or POS system. ! Securely store mail/fax orders for 6 months after the transaction. ! Securely dispose of all stored data after 6 months. If you cannot electronically process a payment (no connection to Tyro /no power supply) you have the option to complete the transaction manually. To do so, use Tyro’s Manual Transaction Receipts to be found on Tyro’s Merchant Portal. Secure MOTO Transactions ! When the card is present always process the payment using the chip, magnetic stripe or tap. ! If none of the above work, do not accept the card. ! Never use MOTO to bypass electronic processing. ! If you were to accept an order using MOTO, you must ensure that -on collection of the goodsthe card is used to process the payment of the remaining balance. ! When goods are picked up following MOTO orders, you must process the card electronically. Note that MOTO transactions have a higher risk of chargeback and are conducted at the merchant’s own risk. Please use them with care. Integrated MOTO In integrated environments, when the terminal faces the customer, you ‘”The Merchant” should be the only one using the MOTO button. After initiating the transaction on the POS press the “Menu” button and select the MOTO option. The POS will ask you to confirm the use of MOTO. Cardholder’s Data Security ! If you can’t enter the client’s data while on the phone, process the transaction as a Mail Order. ! Never request cardholder’s data to be sent in any electronic form. ! For fax orders use a secured /monitored fax machine. Above rules are set by the Payments Card Industry (PCI) Council. By failing to apply them you increase the risk of identity theft and may incur heavy fines. Please be aware that Voice Authorisations are processed as MOTO transactions and as such bear a greater risk of chargeback. Use Tyro’s Manual Transaction Receipts to document the transaction and to record the customer’s signature at the moment of purchase. After completion call Tyro Support on 1300 966 639 to get a Voice Authorisation. The Manual Transaction Receipts must be retained on your premises in accordance with the PCI rules. We recommend pre-printing a stock of Manual Transaction Receipts. Voice Authorisation Void Transactions To process credit card transactions offline please provide Tyro with the following: Most credit transactions can be voided (cancelled) up to 48 hours after the transaction occurred. ! Merchant ID and Terminal ID (MENU >Settings >Terminal Info) or Account name and the terminal’s 7-digit serial number ! Customer’s credit card number and its 4-digit expiry date ! Card’s 3 or 4-digit security code ! Amount of the transaction Voiding a transaction requires the Refund or Administrator Password. Go to: Menu >Void Transaction> Last transaction/By Transaction Reference. To void a transaction using “By Transaction Reference” enter the original transaction reference. Tyro will give you a transaction reference number to be noted on the Manual Transaction Receipt. EFTPOS transactions can’t be voided. Note that debit card transactions cannot be manually processed. 8 7 Refund Transactions Settlement Time Manual Settlements The Refund function is by default disabled for security reasons. It must first be enabled via the settings menu: MENU >Settings >Enable Refunds >Enter Refund Password >Enable >OK. The Administrator or Refund Passwords are required for you to process Refunds. By default each terminal is configured to settle at midnight, terminal local time. In rare circumstances you may want to force a Manual Settlement at a non-routine time. This can be done through the Manual Settlement feature that is activated via your POS. Settlement time can be changed; ! On the terminal ! Via Tyro customer support When using Tyro manual settlement is not required. If the wrong password is used the terminal will lock out for increasing periods of time every time the wrong password is entered. After 15 wrong attempts the terminal will block. Tyro Support must then be contacted. For next day funds transfer, the latest settlement time is 5 am AEST. If the terminal settles after 5 am AEST, Tyro’s instructions for the funds transfer will occur on the following banking day. Reprint Receipt To check the settlement time or to change settlement time go to MENU If you want to reprint a receipt for the last transaction go to: MENU >Reprint Receipts. >Configuration>Automatic Settlement on the terminal. Tyro Customer Support can configure the default settlement time to be fixed to 5am AEST. If this is selected the settlement time cannot be changed on the terminal and the terminal cannot be manually settled. Transaction Receipts Transactions receipts must be securely stored in your premises up to six months from the date of transaction for the case of a dispute. Terminal Reporting If for any reason, you wish to personally change the settlement time, go to: Menu> Configuration> Automatic Settlement. For transaction summaries and detailed reports go to: MENU > Print Reports >Summary/Detailed. Choose reporting date/type of card. 9 In the majority of the cases, Tyro’s Auto Settlement at your selected time is the most convenient way to settle. Manual settlement should only be used in exceptional circumstances. Dynamic Currency Conversion (DCC) Businesses can register for Dynamic Currency Conversion (DCC) offering their international customers the choice of paying in AUD or in their home currency. Tyro offers DCC functionality for most international credit cards. If the terminal is DCC enabled, it will recognise an international card and will present the cardholder with a currency choice. Explain the DCC options to your customers. Accommodation The Accommodation Services is a feature specifically designed for businesses offering accommodation. Using the Pre-Authorisation function you can confirm/guarantee a booking. This function is by default disabled and you must call Tyro to enable it. It will automatically be added to all terminals linked to a Merchant’s ID. To enable/disable Pre-Authorisation per terminal go to: MENU >Settings >Pre-Auth >Enable/Disable. The pre-authorised amount cannot exceed the accommodation fee plus the expected expenses. If a customer pays in his home currency, the transaction amount will appear both in AUD and in the foreign currency including the applied exchange rate. You can also offer MOTO DCC to your mail/telephone customers, provided you have requested the activation of this feature. You must be in compliance with the MOTO DCC Guidelines when doing so. VISA and MasterCard may audit merchants offering DCC. If you fail to comply with the DCC or MOTO DCC Guidelines they have the right to stop you from offering DCC. Go to www.tyro.com to download the comprehensive DCC and MOTO DCC Guidelines. Pre-Authorisations and Completions can be differentiated and reported on Tyro’s transaction reporting website 10 Integrated Pay@Table pre-authorised transaction at a later stage but before Auto Settlement. With Integrated Pay@Table, Tyro’s mobile terminal synchronises with the POS to enable you to take card payments at your customer’s table. The Tipping function is compatible with DCC allowing the cardholder to enter the tip in their home currency. Entering a table number into the terminal automatically displays the bill amount to the cardholder, who will then be guided through a Full Payment or Split-Bill process. Different tipping options will also be offered to the cardholder. To activate Tipping go to: MENU >Settings >Tipping >Enable >OK. Tipping The Rental Services feature is meant to accommodate businesses that offer equipment or vehicles for rent. Go to www.tyro.com to download the comprehensive Paying and Tipping Guidelines. Rental The Tipping function allows a tip to be added to the transaction amount in two different ways; which ever suits your business best. Electronic Imprint Instead of keeping credit card details on file as collateral, an electronic imprint is made and securely stored by Tyro. The customer can either enter the tip amount directly into the terminal (before the receipt is printed out) or can manually add the tip to the receipt afterwards. As part of this process the customer acknowledges the bond amount related to the rental agreement. Both credit and debit cardholders can enter the tip directly into the terminal whereas only credit cardholders can add a tip directly on the receipt. To allow for this, enter a tip of $0 into the terminal directly after having entered the bill amount. The terminal will process a PreAuthorisation and will produce a receipt with space allocated for tips. The tip amount can be added to the Return of Goods 11 Once the rented goods returned, the electronic imprint must be cancelled through the terminal. If the goods are not returned or are damaged, the bond amount (agreed to by the customer) can be fully or partially captured by entering the imprint reference no. and amount into the terminal. Gift Card Program Transaction Data Tyro’s Gift Card Program includes a complete set of online reporting and administrative tools allowing easy management and evaluation of card-based programs. Occasionally a cardholder might question a transaction on their bank statement; their bank can request from Tyro the relevant data. You must be able to present all receipts. Your Tyro account manager can inform you on the advantages of the Gift Card Program. Go to www.tyro.com to download the comprehensive Integrated Pay@Table, Rental and Accommodation Guidelines. After enrolling to Tyro’s Gift Card Program, call Customer Support to enable this feature. Merchant Portal A complete summary of all types of transactions and an updated and detailed breakdown of the cards used can be found on Tyro’s Merchant Portal on www.tyro.com >Log In You can enter the Gift Card menu by swiping a Gift Card. You can then access the following options: ! Issue – Issues a new Gift Card ! Purchase – Processes a Gift Card transaction ! Add Value – Adds value to an issued Gift Card. This option only appears if previously enabled on the terminal. ! Balance Inquiry ! Void ! Reports ! Enable Add Value To access this portal, you will need your username (email address on your application) and password (sent to this address). More information on the use of the Merchant Portal can be found on www.tyro.com. System Updates Above features apply only to the Tyro Gift Card Program. For all other Gift Cards refer to their program’s guidelines. Tyro remotely conducts system updates that guarantee user friendly and secure terminal usage and constantly improved functionality. . 12 PCI-DSS Security Recommendations Use Virus Scanners The POS system and any mobile devices, e.g. laptops or mobile phones connecting to the same network as the EFTPOS terminals, should have anti-virus and antimalware software installed and frequently updated using the automatic software update feature. As well as protecting cardholder information, the PCI-DSS Security Recommendations aim to protect customer information and systems sharing the same connection to the Internet. Most credit card schemes require the merchants to be PCI-DSS compliant. Change Default Settings We recommend that you change the default password and security settings on you router and ADSL modem to protect your network. Should members of the staff with knowledge of any security passwords cease employment, all passwords and security codes should be changed. Use WPA2 on WiFi networks Payment Card Industry (PCI) Rules PCI Compliance If you process face-to-face credit and debit card transactions exclusively using Tyro’s payment solution and you follow Tyro’s MOTO transaction guidelines (found on the Tyro website), you’ll be PCI-DSS compliant. The PCI Security Standards Council promotes the highest cardholder data protection. Three PCI standards regulate the payment process: ! PIN Transaction Security Standard (PTS): Standard for physical and logical security of the cardholder’s PIN. ! Payment Application Data Security Standard (PA-DSS): Data standard aiming to prevent payment applications from exposing cardholder data. ! The PCI Data Security Standard (PCI-DSS): Standard setting the minimal requirements for proactively safeguarding customer’s privacy and payment card data. The version of Tyro Payment Application running on your terminal is 14.04.XX (Year. Iteration. Patch). The ‘Patch’ value may change without negatively affecting security, PCI compliance or features. Go to tyro.com for further details of current versions of the Tyro Payment Application. When using other vendors’ POS solutions you must refer to their PCI-DSS compliance requirements. Cyber Security We suggest you regularly check www.staysmartonline.gov.au >Small and Medium Businesses, a free resource with plenty of information on cyber security for small and medium businesses. Only use WPA2 to secure your WiFi networks. Avoid unsecured or WEP encrypted wireless networks. Use Firewalls In accordance with security best practices and the advice of www.staysmartonline.gov.au, Tyros recommends you protect your network with an effective firewall. Tyro’s recommendations are not meant to replace the current PCI Guidelines, which can be found on www.pcisecuritystandards.org. 13 14 Terminal Damage Policy Terminal Return Policy If a merchant damages a terminal, Tyro will debit the cost of repairing it or replacing it from the merchant’s account. Terminals must be returned to Tyro within 5 business days of receipt of the courier satchel sent to you upon your return request. Tyro’s flat rate repair fees are: We will supply you with a prepaid courier satchel and instructions as to how to return the terminal. $160 for XENTA $260 for XENTISSIMO The removal of the PIN privacy shield, the damage or permanent marking of terminal casing, the damage from liquids or other misuse/neglect will attract repair or replacement fees (e.g. $90 for a PIN privacy shield replacement). Securely package the terminal and place in courier satchel. Call the courier company on indicated phone number to book a pick up, quote the pre-paid consignment note number and Tyro’s address: 125 York Street, Sydney, NSW 2000. If a Tyro terminal is lost or damaged beyond reasonable repair - as duly determined by Tyro - its residual value will be charged to the merchant. Above rates exclude GST and are subject to change. To order Tyro’s terminal paper rolls, call Tyro Customer Support. When ordering, please specify the type of terminal you are using. Paper Rolls Standard delivery time is 5 to 7 business days. Fees may apply. SIM Card Removal Tyro Customer Support Removal of the GPRS SIM card will automatically disable the SIM card functionality and will require the terminal to be returned for reconfiguration to Tyro. Call Tyro Customer Support on 1300 966 639 for terminal activation, authorisations, or other queries going beyond the content of this Set Up Guide. 15 If transaction decline codes 04, 13, 34, 35, 36, 63, 67 appear call immediately Tyro Customer Support on 1300 966 639. If following transaction decline codes appear call immediately the customer’s card issuing bank. 00 01 02 03 05 06 07 08 12 14 15 17 18 19 21 22 23 25 30 31 33 37 38 39 40 41 42 43 44 Approved Problem with card number Problem with card number Invalid Merchant ID Do not honour Problem with card number Card reported lost or stolen Approved Invalid transaction format Non existent card number Issuer not existing Merchant under dispute Error - Retry Problem with card number Issuer can’t be contacted Unacceptable transaction fee Unrecognisable card details Unrecognisable transaction details Card not accepted Transaction declined Transaction declined PIN retries exceeded Not credit account Function not supported Card reported lost Incorrect account type Card reported stolen Non valid account type 51 52 Non existing cheque account 53 Non existing savings account 54 Expired card 55 Incorrect PIN 56 Non existent card number 57 Incorrect account chosen 58 Not suitable for this transaction 59 Card appears to be fraudulent 60 Exceed refund limit 61 Exceed withdrawal limit 62 Card has some restrictions 64 Amount incorrect 65 Exceeded withdrawal frequency 66 Transaction declined 75 PIN retries exceeded 76 Unsolicited reversal 77 Transaction declined 78 Transaction not permitted 82 CVV Invalid 86 Can not verify PIN 90 Cutoff in progress 91 Card issuer unavailable 93 Transactioin declined 94 Duplicate transmission 96 System error 97 CVV2 Invalid Y1,Y2,Y3 Chip approved transaction Z1,Z2,Z3 Chip declined transaction © Tyro Payments 125 York Street Sydney 2000 www.tyro.com 16 Troubleshooting Cannot connect to Tyro Terminal Activation Enable Pre-Authorisation No WiFi network Terminal does not start/ is not charging Call Tyro Support 1300 966 639 Get Voice Authorisation Operates locally 24/7 Mon-Fri: 7am-7pm Sat-Sun: 9am-5pm Terminal Issues After Hours: On-call staff to be contacted only in case of emergency. Order Paper Rolls Poor GPRS signal Integration Issues Terminal does not print/ poor print quality Call your POS Software Provider Real Time Reporting Invoices / Statement Terminal not pairing/ not responding to POS www.tyro.com > Merchant Login Cards Payment Statistics Terminal cannot detect a network cable. Comprehensive User Guides No network cable Online Reporting Manual Missing PIN or SIM card Terminal is declining ALL transactions www.tyro.com Manual Transaction Receipt © Tyro Payments 125 York Street Sydney 2000 www.tyro.com
© Copyright 2024