integrated processing & credit/debit tender types

Posted by OlyBikes on December 7, 2006, 3:06 pm

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I am considering using integrated card processing with RMS (currently I use
a standalong credit terminal I own and a tender type I created called
"Credit and Debit"). I have the following questions:

- Will RMS detect the proper card type when it is swiped, or does the
cashier have to arrow down to the right tender type? If so it would help
eliminate errors in choosing the wrong tender type (e.g. VISA, when it was
really Mastercard).

- Because of our fee rate structure with our card processor, we process
debit cards as credit cards below a certain sales amount because it is
cheaper. Will we retain that ability if we use integrated processing? That
is, if RMS auto-senses the tender type, can we override it to process debit
cards as credit cards when desired?

- We have to manually input the "last 4 digits" of the credit card number on
our standalone terminal. This is a pain.Will we still have to do this if we
use integrated card processing?

Thanks in advance for your help. Please Cc me with your responses so I can
see them faster. Thanks!

______________________________________________________

Larry Leveen
OlyBikes
Bikes, Parts, Repairs
& GREAT Customer Service!

124 State Avenue NE
Olympia, WA 98501

P: 360-753-7525
F: 360-528-7526
info@olybikes.com

www.olybikes.com
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Posted by Marc on December 10, 2006, 11:53 am

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See some of the answers (the ones I can help with) below ...

> - Will RMS detect the proper card type when it is swiped, or does the

> cashier have to arrow down to the right tender type? If so it would help

> eliminate errors in choosing the wrong tender type (e.g. VISA, when it was

> really Mastercard).

Cashier will have to arrow down - BUT you can setup to have RMS double check
(by first digit of card number) and detect any wrong 'card type' entry

> - Because of our fee rate structure with our card processor, we process

> debit cards as credit cards below a certain sales amount because it is

> cheaper. Will we retain that ability if we use integrated processing? That

> is, if RMS auto-senses the tender type, can we override it to process

> debit cards as credit cards when desired?

NA / RMS does not detect card type. You will have to get a compatable pin
pad to work with RMS to acept debit cards.(non Master/Visa branded)

> - We have to manually input the "last 4 digits" of the credit card number

> on our standalone terminal. This is a pain.Will we still have to do this

> if we use integrated card processing?

No - if you have or add a card mag reader, just swipe card

Off Topic PS: I assume you are a bike store? I am a bike lover and recently
got my first recumbent bike - and LOVE it!!

Hope that helps,

Marc
Beverly's Pet