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7.0 Fall Back Sales Procedures.
7.1
Electronic Fall Back.
Electronic Fall Back (EFB) is the ability to continue performing transactions on the
terminal, even when communication with the bank for online approval has been lost
or the card issuer is unavailable.
•
EFB functionality is only available when enabled on the terminal, and only for
allowed card types.
•
Your Merchant Letter of Offer contains your debit and credit floor limits.
During EFB mode, transactions are processed and stored offline by the terminal. After
communication has been restored, the terminal will forward the stored transactions
to the bank for processing. When processing in EFB mode, some differences apply to
normal online processing, including:
•
Contactless (tap & go) transactions are not available in EFB mode. If you attempt
a contactless transaction it will decline. Request your customer to retry the
transaction by either inserting or swiping their card.
•
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 132 415.
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.
•
Debit card transactions (when selecting cheque or savings) exceeding your debit card
floor limit will be declined. Ask your customer for an alternate means of payment.
•
Please ensure the terminal remains powered ON and placed on the base during all
EFB processing. If the terminal has been powered OFF, the terminal must perform
a successful bank logon to continue EFB processing.
Remember: You must not 'split' a sale in order to avoid obtaining authorisation.
When communication has been lost and the amount of the transaction is over your
floor limit, the terminal will display the following:
TERMINAL DISPLAY
ENTER AUTH ID
ON POS
VERIFY SIGNATURE
CORRECT?
82
PROCEDURE
You will be required to enter an authorisation number, which
you can obtain by calling 132 415.
Key in the authorisation number on the POS and press
ACCEPT.
Have the customer sign the receipt. If the signature matches
the signature on the card, press YES on the POS. Otherwise
press NO.
WESTPAC EFTPOS 1i TERMINAL USER GUIDE
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