To use Debit Card Processing, you must select PPI (Payment Processing, Inc.) or TSYS (VISANET) at the Authorization Service prompt in the Credit Card Validation Settings. You must also enter the proper merchant ID number set up in STORIS for PPI or TSYS.
The following are also true for Debit Card Processing in STORIS:
You must swipe debit cards. STORIS treats all cards you enter manually as credit cards. If you try to manually enter a debit card, an error message appears and the system rejects the transaction.
STORIS captures the encrypted PIN and forwards it to the clearing house along with the Derived Unique Key Per Transaction (DUKPT). This data is not stored in any STORIS file, nor is the transaction “batched” or stored and sent in a batch after the re-establishment of communication (that is, if the communication port was not available). If the communication port is not available and/or no response is returned to the authorization program, debit card transactions fail and send a reversal.
STORIS initiates the PIN pad prompting at payment entry time if the card that has been swiped is a Visa, MasterCard, or an unidentified card type.
The transaction amount is sent to the PIN pad device as a requirement of Debit Card Processing. Once confirmed as a debit transaction at the PIN pad by the customer and the PIN code has been entered, the data is returned to the Debit Card Payment Entry Window.
The Enter/Credit button allows a debit/credit card to be processed as a credit card. Upon first display, the button says Credit. If you enter a PIN, the button switches to Enter.
The payment entry routine checks for PIN pad data and if present, processes the entry as a debit card with a payment type of DEBIT and stores the debit card data in memory (this data is never written to file) until the update / credit card authorization process completes.
STORIS sends the required debit card information for authorization during the credit card authorization process. If successful, the authorization number is updated and no further changes are allowed for the debit transaction.
If you void an order prior to initial filing, STORIS clears the PIN pad data from memory.
If you cancel the order after the initial filing, the system treats credits to debit card accounts as refunds. You must enter the debit card and PIN number prior to issuing the refund. You can also refund cash for the amount of the debit transaction.
STORIS does not permit debit card refunds once the order has been delivered (invoiced). In this instance, you must issue a refund check or a cash refund if a refund is required.
Debit Card Processing uses Payment Class 6.