Gasboy CFN III Manager Manual V3.6 - Manual (Page 303)

MDE-4871 CFN III Manager’s Manual for Windows® XP Embedded - Version 3.6 · August 2010 Page F-1
Type of Cards Dialout Communications
Appendix F: Dialout Communications
In addition to accepting privately issued cards, the SC III can be configured to accept cards
issued by financial institutions (FI). This appendix covers card-authorization networks
supported by the CFN System.
The CFN system can handle many types of credit and Debit Cards. You must decide which
cards (if any) fit the needs of your operation and set up the required business relationships to
accept those cards profitably.
With privately issued cards you have a billing relationship directly with your customer. With
cards issued by FIs, your billing relationship is with the financial network that governs the
card and with the FI you select to do your transaction processing.
You must order your system with the particular network interface you want. Then, you require
to set up an agreement with the bank or network for the system to be able to work. The bank or
network representative will provide information on loading the system, such as phone
numbers, merchant IDs, and type of cards accepted.
The following sections cover many aspects of the system which have to be set up according to
the dictates of the network. Make sure that all aspects of the system have been set up correctly,
because sometimes the response of the network to invalid parameters can be confusing to
diagnose.
Be sure to check with your local fire marshal for approval to accept credit and Debit Cards
when the site is unattended.
Type of Cards
Cards issued by FIs fall into two, occasionally overlapping, categories:
• Debit cards electronically move the customer’s funds from a checking or savings account
to pay for the sale. Debit cards are also used in automatic teller machines at banks and
thrifts, and they are usually issued only by banks and savings and loan associations.
• Credit cards obligate the customer to pay the issuing financial institution (issuer) the
amount of the sale. The FI that does your processing pays you, and the issuing financial
institution pays your FI.
Familiar examples of Credit Cards are MasterCard, VISA, and American Express. MasterCard
and VISA are issued by banks that are participating members in those credit organizations,
when American Express (issued by American Express) and Discover (issued by Sears
Financial Services) are issued by non-banks.
Credit cards may sometimes be used to initiate debit transactions, provided that the customer
enters a PIN (Personal Identification Number) at the time of sale. Less frequently, Debit Cards
may bear VISA or MasterCard symbols so that they may be used as Credit Cards.