©2017 Elavon Canada Company. Elavon is a registered trademark in the United States and/or other countries. Services within Canada provided by Elavon Canada Company.
All rights reserved. This document is prepared by Elavon as a service for its customers. The information presented is general in nature and may not apply to your specific
situation.
This guide provides at-a-glance tips and information for processing transactions
using an Ingenico terminal. To learn more about your product, we encourage you to
visit www.paymentsinsider.com. There, you will find information to help manage your
business, access to user guides and video demonstrations, and access to reporting
and self-service tools.
ACCEPTING PAYMENTS
Credit Cards
– associated with a line of credit, these cards include Visa, Mastercard,
American Express, Discover Network, Diners Club International, China Union Pay
and JCB.
Debit Cards
– associated with a bank account, these cards can be PIN-based,
signature- based or both. Signature-based cards should be processed just like a credit
card. PIN-based cards require the Cardholder to enter their PIN via the PIN pad inte-
grated or attached to your point-of-sale solution.
If you would like to accept additional payments at your business or add a PIN pad,
contact your sales representative.
TRANSACTION TYPES
There are five types of transactions: Card Present, Card Not Present, Credit/Refunds,
Delayed Delivery and Forced Transactions. Card Present, Card Not Present, and Credit/
Refunds are the three most common transaction types described here. For information
about Delayed Delivery and Forced Transactions, please visit www.paymentsinsider.com.
1. Card Present Sales
occur when the cardholder is with you at the point of sale and
can sign the receipt. These must be processed in one of two ways:
• Card-Swiped/Card-Inserted Transaction – this is the method of choice always. It is
safer for your business and costs less money.
• Key-Entered or Manual Transaction – if your point-of-sale device cannot read the
card, you will have to manually enter the card number and other prompted
information.
2. Card Not Present
Sales
occur when the cardholder is not present at your point-of-
sale to sign the receipt. Businesses that accept cards via Mail Order, Telephone Order
or e-Commerce are examples of card not present environments. Before you process
a card not present transaction, you must obtain important information from your
customers:
• Cardholder’s account number
• Card expiration date
• Cardholder’s billing and shipping addresses (if different)
• Cardholder’s telephone number and email address
• CVVS/CVC2/CID number (security code for the card)
The security code and address verification requirements are important steps you may
take to minimize your business’ risk to chargebacks – when a customer changes his
mind about a service that you have already provided. To learn more about security and
fraud prevention, visit www.paymentsinsider.com.
www.paymentsinsider.com
for user guides and other DIY
tips
24/7 Customer Service
for
when you need to speak with
someone (have your Merchant
ID number handy)
24/7 Voice Authorization
Center
for when you need to
obtain an authorization code
for a transaction but don’t
have a working POS device
OR if the Card Issuer requests
additional information during
electronic authorization
Quick Reference Guide
Transaction Quick Tips
VeriFone
®
Series
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