Fall Back Sales Procedures; Electronic Fall Back - Westpac EFTPOS Connect User Manual

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7.0 Fall Back Sales Procedures.

7.1

Electronic Fall Back (EFB) is the ability to continue performing transactions on the terminal,

even when communication with the bank for online approvals has been lost.

•

EFB functionality is only available when enabled on the terminal and is only available

for certain cards.

•

Your Merchant Letter of Offer contains your debit and credit floor limits.

When the terminal is in EFB Mode, the offline transactions are stored in the terminal's memory.

After communication has been restored, the terminal forwards the stored transactions

to the bank for processing.

When processing in EFB Mode, some differences apply to normal online processing:

Contactless transactions aren't available in EFB mode. If you attempt a contactless transaction

it'll be declined. Ask your customer to retry the transaction by either inserting or swiping

their card.

For card transactions that are over your card floor limit, you'll be required to enter

an authorisation number which you can get 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 the 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 make sure 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.

Note: You mustn't 'split' a sale in order to avoid getting Authorisation.

Important: MOTO and e-Commerce transactions aren't available when the terminal

is in EFB Mode.

Cash Out is only supported when the terminal is in EFB Mode and the EFB Cash setting

is enabled. Remember, that if a Cash Out component is selected by the customer

and the terminal is in EFB Mode, it will attempt to go online to get the card issuer's

authorisation. If unable to go online, the transaction will be attempted in EFB mode based

on the EFB limit.

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