Terminal and Account User Guide

Verifone VX520 EMV Cash Advance

Merchant #:

Merchant Name:

Visa/MC Voice Authorization:

Acumen Help-Desk:

Contents

Installation Guide......................................................................................................................... 1-2

Powering On................................................................................................................................... 3

Cash Advance Procedures............................................................................................................ 14

Cash Advance General Information..............................................................................................14

Communication Processing/Error Messages................................................................................15

Bank Responsibilities.................................................................................................................... 16

Alternate Authorization.................................................................................................................. 16

Refund/Credit a Cash Advance..................................................................................................... 16

Address Verification System (AVS)...............................................................................................17

First View Setup............................................................................................................................ 18

PCI DSS........................................................................................................................................ 18

Acumen Equipment Terms............................................................................................................19

the credit card application.

Powering On:

After powering on, or after

power interruption the

terminal will display the

VMAC menu.

03/31/17 16:00

SOFTPAY-TSYS

Navigating the Terminal

4

Command Keys:

Use command keys to

Direct terminal.

ENTER KEY:

Press to continue

BACKSPACE KEY:

Remove incorrect value

CANCEL KEY:

Adding Static IP Address

If your POS terminal communication method is internet and you have assigned a Static IP Address, you must enter the address

information into the terminal before first use. (Contact your IT support if needed).

Press Ø

This column intentionally left blank

Press F2 CommServer

Press Purple Key under

Press F2 IP

Press F1 Static

Press F2 Next

Press F3 Edit

Type Gateway IP Add (press 1 then Alpha for period) press ENTER

Press F2 Next

Press F3 Edit

Type DNS1 IP Address (press 1 then Alpha for period) press ENTER

Press F2 Next

Press F3 Edit

Type DNS2 IP Address (press 1 then Alpha for period) press ENTER

Press F4 Exit

Save Changes? Press F1 Yes

EMV Chip Technology and Contactless Payments

same size and thickness as magstripe cards and are embedded with a micro computer chip that stores information

required to authenticate, authorize, and process transactions, increasing security and reducing fraud. When the

card is inserted into a POS terminal a metal contact in the reader provides power to the microchip and then both

devices are able to communicate.

CONTACT PAYMENTS

Your Verifone terminal supports smartcard contact payments. When a customer presents a smartcard you should

initiate a sale and then pass the terminal to the customer (where practical, or if you do not have an attached PIN

pad). The customer should insert their card into the chip reader at the bottom of the terminal where it will remain

until the transaction is complete. Your terminal will instruct the customer when to remove their card.

CONTACTLESS PAYMENTS

Your Verifone terminal may also support contactless payments. Some customers may present a dual interface card

If a customer has forgotten their PIN, instruct them to contact their card-issuing bank to have their PIN reset. You

Integrated Contact/Contactless Chip Card Transactions

▪ Note the physical description of the cardholder.

card has been swiped.

help-desk)

you must re-authorize.

3. Ownership or Incorporation change

4. Telephone System change

Alternate Authorization:

Should your terminal at any time become inoperable, or if the authorization network is unavailable, follow the

1. Should your terminal become inoperable, you must call the Voice Authorization Center at 1-844-309-

7601 to obtain authorization for a transaction. If the card is present, you must make an imprint of the

card using your manual imprinter. When your terminal is repaired or replaced you will need to capture

your voice-authorized transactions, by following the Cash Advance Force instructions located in this

user guide.

These steps are necessary for your protection, and your ability to continue to accept credit cards for cash

1. An Imprinter

both names on it). Cardholder can then take it to the issuing bank if local for endorsement and

application to their card account, otherwise it must be mailed to the issuer. (Bank should never issue a

check in the cardholders name only).

OR

2. Bank may advise the cardholder to contact their issuer and initiate a chargeback (required in writing and

letter serves as a credit letter, or slip).

the information on file with the card-issuing bank.

Code Description Visa MC Amex Disc

Partial - Address matches, ZIP code does not (for

Discover, both address and ZIP match)

W

Partial - 9-digit ZIP code matches, address does

not (for Discover, no data from issuer)

Partial - ZIP code matches, address does not

does not support AVS

Retry - Issuer’s system unavailable or timed out

Not supported - AVS not supported by issuer at

this time

To access your Merchant Statement, Authorization, Settlement, and Chargeback reports for your merchant account, you

Payment Card Industry Data Security Standards – PCI DSS (What it means to you)

By keeping your systems secure your customers can trust you with their sensitive payment card information.

When you stay compliant with the payment brands security standards you join the global response to fighting

obtain the latest Requirements and Security Assessment Procedures.

Acumen Connections has partnered with Security Metrics a leading provider of PCI DSS audit and scanning

services. After approval and setup of your merchant account, you will receive an email from Security

Metrics, select the embedded link and establish a password for your account. Follow the prompts to

complete your audit, SAQ and if necessary a network scan. After successfully validating your compliance

you can download a copy of your Attestation of Compliance (AOC) for your records. Validating your

compliance must be performed once a year and you will receive an email notification from Security Metrics

when your due date is near.

Please contact us if you need assistance with completing validation.

• Only Acumen Connections can alter or modify POS terminals or other equipment owned by us.

• You are responsible for safeguarding POS terminals or other equipment from loss, damage, or theft.

• If necessary, replacement equipment will be sent to you. If you fail to return the defective equipment, you will be

responsible for its replacement value and for any legal and/or collection costs incurred by us in connection with

recovering the equipment.

• You are responsible for keeping all Acumen Connections owned equipment from claims, liens, and legal processes

initiated by creditors.

• Equipment may not be subleased at any time. The cost of comparable new equipment, as well as any associated legal

and/or collection costs incurred by Acumen Connections will be assessed to you for each piece of equipment not

returned to us upon termination of the Merchant Agreement by either party, or upon our request for the return of the

Replacement of Merchant Owned Equipment

• Rental equipment must be shipped to us by traceable delivery. Equipment not sent traceable, and lost in transit will be

billed to you at retail value.