Card payment

Following are instructions on how to take a card payment using the AgentCASH mobile app and a Miura M010 card reader.

Note: Contactless payment is the default function for the card reader. If a customer does not want to use contactless, press ‘Cancel’ () on the reader when it asks for the card to be presented and the contactless functionality will be turned of, allowing for payment by card insertion or swiping.

To take payment:

1. Contactless

        

             

  • Ensure that the card reader is turned on, the blue bluetooth light is blinking and the card reader is in range of the mobile device.
  • Enter the amount being charged into the app (to clear, tap C).
  • Tap the amount.
  • Ask the customer to touch the card reader with their contactless payment card or with a mobile device (for Android/Apple pay) and hold it in place until a beep is emitted and the four green lights flash.
  • If a secondary authorisation is requested by the card reader, ask the customer to sign or enter their PIN, as appropriate.
  • If successful, a ‘Transaction successful!’ message appears on the screen of the mobile device. 
  • Ask the customer if they would like a printed receipt or if they would like a link to it their receipt sent by SMS or email. 
  • Ask for and enter their mobile phone number for an SMS receipt or their email address for an email receipt.

Note: Contactless payment types may be limited depending on the country of business or payment provider. For amounts greater than £30, authentication of the card with signature or PIN may be required. 

2. Inserting the card with the chip

  • Insert the card in the narrow slot at the bottom of the card reader. The card must be facing upwards and with the chip in the reader.
  • Ask the customer to complete the purchase by authenticating the card as requested by the card reader. If by signature, they sign above the line displayed on the screen of the mobile device using their finger. Otherwise, they enter their PIN on the card reader’s keyboard and click ‘Enter’ () to complete the transaction. If they enter an incorrect digit they can go back with the yellow arrow key.
  • If the customer has given their signature, check that it is the same as the signature on their card. If correct, tap ‘Authorise’ to complete the transaction.
  • Ask the customer to complete the purchase by authenticating card with their PIN. Let the customer enter their PIN on the card reader’s keyboard and click ‘Enter’ () to complete the transaction. If they enter an incorrect digit they can go back with the yellow arrow key.
  • If successful, a ‘Transaction successful!’ message appears on the screen of the mobile device. 
  • Ask the customer if they would like a printed receipt or if they would like a link to it their receipt sent by SMS or email. 
  • Ask for and enter their mobile phone number for an SMS receipt or their email address for an email receipt.

3. Swiping cards with a magnetic stripe

  • Swipe the card through the open slot at the top of the card reader. The card must be facing upwards with the magnetic stripe inside the swipe slot.
  • Ask the customer to complete the purchase by authenticating the card as requested by the card reader. If by signature, they sign above the line displayed on the screen of the mobile device using their finger. Otherwise, they enter their PIN on the card reader’s keyboard and click ‘Enter’ () to complete the transaction. If they enter an incorrect digit they can go back with the yellow arrow key.
  • If the customer has given their signature, check that it is the same as the signature on their card. If correct, tap ‘Authorise’ to complete the transaction.
  • Ask the customer to complete the purchase by authenticating card with their PIN. Let the customer enter their PIN on the card reader’s keyboard and click ‘Enter’ () to complete the transaction. If they enter an incorrect digit they can go back with the yellow arrow key.
  • If successful, a ‘Transaction successful!’ message appears on the screen of the mobile device. 
  • Ask the customer if they would like a printed receipt or if they would like a link to it their receipt sent by SMS or email. 
  • Ask for and enter their mobile phone number for an SMS receipt or their email address for an email receipt.

4. Failed or declined transactions

If the message Transaction failed or Transaction was declined appears, it could be for one of the following reasons: 

  • The wi-fi is off or unstable. 
  • The card reader connection timed out.
  • Inserting/swiping the card timed out.
  • Waiting for the PIN/signature authorisation timed out.
  • The card is damaged (chip error, magnetic tape damaged).
  • The card type is not supported. If this is the case, ask the customer to pay with another card.
  • The available balance on the card is insufficient to make the payment.
  • The customer may have exceeded a spend limit.

The reason for the transaction failure or decline will be stated on the transaction receipt.

5. Search, send & refund

  1. Tap the payment icon.
  2. Enter into the search box: payment number, invoice amount or the last 4 digits of the card number.
  3. Tap on the selected payment to:
  • display details (payment type, payment no., date, authorisation type)
  • make a refund or
  • send payment by SMS or e-mail.
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