Electronic Fallback; Surcharging - VeriFone EFTPOS 1 User Manual

5 Electronic Fallback.

Electronic Fall Back (EFB) is the ability to continue performing transactions on the terminal, even when
communication with the bank for on-line approval has been lost or the card issuer is unavailable�
In EFB mode, transactions are stored within the terminal and manual vouchers are not required�
After communication has been restored, the terminal forwards the stored transactions to the
bank for processing�
Note: EFB functionality is only available when enabled on the terminal, and only for certain
card types.
Your Merchant Letter of Offer contains your debit and credit floor limits.
When processing in EFB Mode some differences apply to normal 'on-line' processing:
• For Credit card transactions that are over your credit card floor limit, you will be required to
enter an authorisation number which you can obtain by calling 1300 780 940� Alternatively
ask your customer for an alternative means of payment�
• Signature capture is required on all EFB transactions regardless of the account selection or
whether PIN was entered� The terminal will process the transaction in accordance with the EFB
floor limits and other validation settings.
Cheque/Savings account transactions exceeding your debit card floor limit will be declined.
Ask your customer for an alternate means of payment.
Remember: You must not 'split' a sale in order to avoid obtaining authorisation�

6 Surcharging.

Merchants have the ability to charge customers an additional fee for paying by debit or credit
cards surcharging. The surcharge can be either a fixed fee or a percentage fee based on the value
of the transaction�
A surcharge fixed fee amount that is greater than $X or a percentage amount greater than
Y% is prohibited by the terminal.
To add a surcharge fee the merchant must contact the Merchant Helpdesk to activate the feature.
Terminal will apply surcharging to the purchase component of the transactions only for the
following transaction types:
• Purchase
• Purchase + Tip
• Purchase + Cashout
• MOTO
Note: Transactions completed with Contactless card presentment method will not have
surcharge applied.
72 EFTPOS 1 USER GUIDE