TD IWL252 Manuale utente

TD iWL252/255

Merchant Guide: UnionPay Cards

For the

• iWL252(Bluetooth)

• iWL255(3GWireless)

This publication is confidential and proprietary to The Toronto-Dominion Bank and is intended solely for the use of Merchant customers of TD Merchant

Solutions. This publication may not be reproduced or distributed, in whole or in part, for any other purpose without the written permission of an authorized

representative of The Toronto-Dominion Bank.

The Bluetooth® word mark and logos are registered trademarks owned by Bluetooth SIG, Inc. and any use of such marks by TD is under license. Other

trademarks and trade names are those of their respective owners.

NOTICE

The Toronto-Dominion Bank reserves the right to make changes to specifications at any time and without notice. The Toronto-Dominion Bank assumes no

responsibility for the use by the Merchant customers of the information furnished in this publication, including without limitation for infringements of intellectual

property rights or other rights of third parties resulting from its use.

MERCHANT INFORMATION

Merchant Name .............................................

Merchant Number ...........................................

- i -

UnionPay Cards Merchant Guide

Table of Contents

Who should use this guide?......................................................... 1

What is UnionPay? ....................................................................................................... 1

How do I identify a UnionPay card? ................................................................. 1

Financial Transactions.................................................................. 1

Transaction requirements ............................................................................................ 1

PIN entry ......................................................................................................... 1

Customer signature ......................................................................................... 1

Restrictions.................................................................................................................... 2

Sale (credit or debit card) ............................................................................................ 2

Sale (phone or mail) ..................................................................................................... 4

Void ............................................................................................................................... 4

Return ........................................................................................................................... 5

Pre-authorizations........................................................................................................ 6

Restrictions...................................................................................................... 6

Steps ............................................................................................................... 6

Open a pre-authorization............................................................................................ 6

Close a pre-authorization ............................................................................................ 7

Receipts ....................................................................................... 7

Receipt codes ................................................................................................................ 7

- ii -

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- 1 -

UnionPay Cards Merchant Guide

Who should use this guide?

YoushouldusethisguideifyouareaclientofTDMerchantSolutionsandperformtransactionsinvolvingUnionPaycredit

ordebitcardsduringthecourseofyourdailybusiness.

WhatisUnionPay?

UnionPayisaninternationalpaymentbrandthatisbecomingmorecommonlyusedworldwide.Youwillseeeither

singlebrandedcards(UnionPayonly)orco-brandedcards(UnionPayandanotherpaymentbrand).

*Morebrandsmaybeaddedovertime.

How do I identify a UnionPay card?

UnionPaycardsareeasytoidentifybytheirlogoshownbelow.

UnionPaycards

Currentlytheyofferthefollowingcards:

Single branded Co-branded

Credit card UnionPay UnionPayco-brandedwithVisa,

MasterCard,AmericanExpress,JCBor

DinersClub

Debit card UnionPay UnionPayco-brandedwithInteracDebit

orVisaDebit*

Financial Transactions

YoucanperformanyfinancialtransactionswithaUnionPaycardthatyouwouldwithanothercard.

Transactionrequirements

UnionPaysometimesrequirescustomerstoverifytheiridentityindifferentwaysthanwhatweareusedto.Thetwomost

commoncustomerverificationmethodsare:

PIN entry

TheterminalmayrequestthecustomertoentertheirPINforanytransaction.Forcreditcards,thecustomercanbypassthis

PINrequest,butiftheydoandthePINisrequestedagain,theymustentertheirPIN.DebitcardsalwaysrequireaPIN.

Customer signature

Thecustomermayberequiredtosignthemerchantreceipt.Thiscanoccurforanytransaction,evenonewherethe

customerhasalreadyenteredtheirPIN.IfyouseeasignaturelineontheMerchantreceipt,thecustomermustsignthe

receipt.Failuretodosomaypreventyoufrombeingpaidforthetransaction.

- 2 -

Restrictions

Thefollowingarenot allowedforUnionPaycards:

• Accountselection(chequingorsavings) on

debitcardtransactions-adefaultsettingwill

beused

• Nosignaturerequired(NSR)transactions

• Offlineauthorizations

• Partialsaleapprovals

• Transactionsinforeigncurrencies

• Voiceauthorization/forcedposttransactions

• Cashback

Sale(creditordebitcard)

1. Press /F1.

2. Enterthetotal dollar amount forthesaleand

pressOK.

3. Customerconfirmsthedollaramountandpresses

YesorNo.

4. Performoneofthefollowingpaymentmethods:

Contactless, Insertor Swipe.

Contactless

a) Thecustomertapstheircontactless-

enabledcreditcardonthecontactless

cardreader.Gotostep5.

Insert card

a) Thecustomerinsertstheircreditcard.

b) ThecustomerenterstheirPINandpresses

OK(creditcardonly).Gotostep5.

Swipe card

a) Merchantswipesthecard.

b) Thecustomerselectstheirpayment

method: Co-brandorUnionPay.

c) Verifythecardinfowithwhatisonthe

terminalscreenandpressOK.

d) Ifthetransactionisdeclined,pleaseretry

butselecttheotherbrandoptioninstep

b.Forexample,ifyoupreviouslyselected

Co-brand forthedeclinedtransaction,

selectUnionPaythistime.

5. Thescreenshowsthatthetransactioniscompleted

withanauthorizationnumberorapprovedmessage.Ifthereceiptrequeststhecustomer’ssignature,they

mustsignthereceipt.Ifyoudonotreceivetheirsignature,youmayberesponsibleforchargebacks.

6. YoucanREPRINTthereceiptorFINISHthetransaction.

Merchant Name

Address

City, Province

Merchant Number

Terminal ID

SALE

06-16-2016 12:41:02

cct # 455763******1632 SN

Card Type UP

Name: nnnnnnn

Trace # 010103

Inv # 109

Auth #089090 RRN 001003099

Sale $9.00

TOTAL $9.00

+++++++++++++++++++++++

APPROVED-THANK YOU

+++++++++++++++++++++++

Retain this copy for your

records

Merchant copy

- 3 -

UnionPay Cards Merchant Guide

SWIPE CARD

INSERT

CARD

UNIONPAY

ENTER PIN

(optional)

RECEIPTS

(optional)

FINISHED

ENTER AMOUNT SPLIT OR PAY FULL?

(optional)

CONTACTLESS

SELECT PAYMENT

OPTION

CONFIRM PAYMENT

OPTION

TIP?

(optional)

SELECT PAYMENT

OPTION

CONFIRM AMOUNT

CO-BRAND

- 4 -

Sale(phoneormail)

1. P r e s s  /F4Phone / Mail Sale.

2. Enterthedollar amountandpressOK.

3. Entertheaccount numberandpressOK.

4. Entertheexpiry dateandpressOK.

5. EntertheCVD numberandpressOK.Thisisan

optionalstepandisdependentuponyoursettings

andthecardrequirements.

6. Thescreenshowsthatauthorizationnumber,the

transactiontotalandthereceiptsprint.

Void

Thistransactionisusedtocorrectapreviouslyentered

transactionfromtheterminalinthecurrent,openbusinessday.

YoucanalsouseTransactionRecalltorecallandcancel/voida

transactionbasedoninformationotherthanthetrace#.

1. PressOKVoid.

2. Enterthetrace #forthetransactiontobevoided

andpressOK.

3. Verifythatthisisthecorrecttransaction:Voidor

Back.Ifyouselectback,youcanenteranewtrace

#tovoid.

4. Thevoidedtransactionreceiptsprint.

Merchant Name

Address

City, Province

Merchant Number

Terminal ID

PH/MAIL SALE

06-16-2016 12:41:02

cct # 476173******0010 M

Card Type UP

Name: nnnnnnn

Trace # 010017

Inv # 3

Auth #010589 RRN 001003099

PH/Mail Sale $11.00

TOTAL $11.00

Retain this copy for your

records

Merchant copy

• These instructions are used for sales where the card is not

present. If the card is present at sale, see Sale (credit card).

If you use the incorrect sale transaction you could incur extra

charges.

• There are risks performing transactions when the credit card

is not present. Ensure that you perform all of the available

security checks for phone / mail sale.

Merchant Name

Address

City, Province

Merchant Number

Terminal ID

VOID SALE

06-16-2016 12:41:02

cct # 455763******1632 SN

Exp Date: 10/20 Card Type UP

Name: nnnnnnn

Trace # 010112

Inv # 5

Auth #010590 RRN 001003099

TOTAL $25.00

+++++++++++++++++++++++

00 APPROVED-THANK YOU

+++++++++++++++++++++++

Retain this copy for your

records

Merchant copy

If you have closed the business day that the transaction was performed

in, you can only perform a return. The option to void the transaction

is no longer available.

- 5 -

UnionPay Cards Merchant Guide

Return

Youcanonlyperformareturnonatransactionthathasalready

beensubmittedforreimbursement.

1. P r e s s  OKReturn.

2. Enterthedollar amountandpress OK.

3. Customerconfirmsthedollaramountandpresses

YesorNo.

4. Performoneofthefollowing:Insert ,Swipeor

Manual entrythecardinquestion.

Insert card

a) Verifythecardinfowithwhatisonthe

screenandpressOK.

b) Thecustomermayberequiredtoenter

theirPIN.Gotostep5.

Swipe card

a) Verifythecardinfowithwhatisonthe

screenandpressOK.Gotostep5.

Manually enter card

a) Entertheaccount numberandpressOK.

b) Entertheexpiry dateandpressOK.Thisis

fourdigitsinlength.

c) Indicateifthereturnisforaphone/mail

sale:Yesor No.Gotostep5.

5. Thescreenshowsthatauthorizationnumber,the

transactiontotalandthereceiptsprint.The

customermustsignthesignaturefieldonthe

merchantcopy.

Merchant Name

Address

City, Province

Merchant Number

Terminal ID

RETURN

06-16-2016 12:41:02

cct # 476173******0010 M

Card Type UP

Name: nnnnnnn

00000000980840

Trace # 010009

Inv # 17

Auth #931333 RRN 001003099

Return $15.00

TOTAL $15.00

RETURN

+++++++++++++++++++++++

APPROVED-THANK YOU

+++++++++++++++++++++++

X________________________

Signature

Retain this copy for your

records

Merchant copy

Debit returns are disabled by default. If you wish to activate debit

returns on your terminal please call the TD Merchant Solutions Help

Desk at 1-800-363-1163.

- 6 -

Pre-authorizations

Thistransactionisgenerallyusedbyhotels,restaurantsthatdeliverfoodandcarrentalagencies.Byrunninga

pre-authorizationthemerchantverifiesthatthecustomer’screditcardcurrentlyhastheavailablefundsforthe

purchase.Thepre-authorizedamountischargeduponcompletionofthetransactionatalatertimeordate.

Restrictions

• Activateonterminal(s)-Ifyouwishtousepre-authoriizationsinyourbusiness,youmustcontactTDMerchant

SolutionsHelpDesktoactivateit.

• Pre-authorizationscanbeleftopenfor10daysmaximum.

Steps

Thepre-authorizationoptionhastwosteps:

• Open

• Close

Openapre-authorization

Performthistransactionifyouwishtocreateanewpre-authorization.

1. Press /F3 key.

2. Enterthetotal dollar amount forthepre-authorization

andpressOK.

3. Customerselectsoneofthefollowingpaymentmethods:

Insert,Swipeor Contactless.

Contactless

a) Thecustomertapstheircontactless-enabledcredit

cardonthecontactlesscardreader.Gotostep4.

Insert card

a) Thecustomerinsertstheircreditcard.

b) ThecustomerenterstheirPINandpressesOK (credit

cardonly).Gotostep4.

Swipe card

a) Merchantswipesthecreditcard.

b) ThecustomerselectsUnionPayastheirpayment

method: Co-brandorUnionPay.

c) Verifythecardinfowithwhatisontheterminal

screenandpressOK.

d) Ifthetransactionisdeclined,pleaseretrybutselect

thebrandoptioninstepb.Forexample,ifyou

previouslyselectedCo-brand forthedeclined

transaction,selectUnionPaythistime.

4. Thescreenshowsthetransactiontotalandthereceipts

print.Thecustomermustsignthesignaturefieldonthe

merchantcopy.

Merchant Name

Address

City, Province

Merchant Number

Terminal ID

PREAUTHORIZATION

06-16-2015 12:41:02

cct # 455763******1632 C

Exp Date 12/18 Card Type UP

Name: nnnnnnn

Trace # 050034

Inv # 62

Auth # 010669

RRN 001003099

Pre-Auth Sale $30.00

Tip $__________

TOTAL $__________

X _______________________

Signature

I agree to pay the above total

amount according to the card

issuer agreement.

Retain this copy for your

records

Merchant copy

The customer may be required to swipe or

insert their card in some cases.

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