POS TRAINING
OUTLINES
1.INTRODUCTION TO POS
2.ACQUIRING BANKS
3.PTSP
4.PERFORMING A POS TRANSACTION (NETOP)
5.END OF DAY RECEIPT(NETOP)
6.POSSIBLE ERROR RESPONSE (NETOP)
7.PERFORMING A CASHOUT TRANSACTION (GLOBALACCELEREX)
8.END OF DAY RECEIPT (GLOBALACCELEREX)
9.PERFOMING A KEY EXCHANGE (GLOBALACCELEREX)
10.POSSIBLE ERROR RESPONSE (GLOBALACCELEREX)
A point-of-sale terminal popularly known as the POS terminal is basically used for transactions done
between a merchant and a customer at a particular place. The merchant here is regarded as the Agents.
The cash out POS terminals are for cash withdrawals; this is done between the Agent and the customer. The cash out terminal is what we use on our platform basically.
To acquire a POS terminal, the agent is to send the request to
support@ppl.zendesk.com and the agent will pay a sum of #10,000 which is refundable if the agent meets the target of #3,000,000 after the first month of activation. This is applicable only to analog POS.
The charges for ReadyCash POS withdrawal transactions is 0.65% flat rate and 0.5% for Android POS.
In simple terms, there are Banks that acquire POS terminals and deploy either directly to
merchants or retailers through CBN licensed Payment Terminal Services.
We currently have terminals from the following banks;
•Gtb
•Fidelity Bank
•Unity Bank
•FCMB
•Zenith Bank
•Providus Bank
•Access Bank
•Union Bank
•Wema Bank
A PTSP is an entity in the Nigerian Payment space licensed by the CBN and charged with the responsibility to ensure effectiveness of POS operations and a proper support/maintenance infrastructure. Their main duty is to make sure POS machines are in good shape for transactions, hardware and software wise.
We currently have two PTSPs we work with on our platform;
•Global Accelerex
•Netop
This is to guide the Agents on carrying out a POS transactions.They are to follow the steps below to carry out Cash withdrawal transactions;
Insert the card with the chip side facing up Select the cash out option.
Enter the Amount and press enter (the green button) Select the account type operated by the customer
Customer enters their PIN and press enter (the green button)
The terminal processes the transaction
If transaction is approved, terminal prints out the customer’s copy of the receipt (Agent gives customer cash.)
If transaction is declined, Agent is advised to print out the end of day receipt to
confirm the status of the transaction. (The agent is advised not to pay the customer).
The End of the day option provides the details of all the POS transactions done in a particular day
•Every terminal from the Acquiring Bank has its own End of Day code. The code is assigned to each Bank and does not work for another.
•The main use of this option is to provide the status of every POS transaction done on the Agent’s terminal in a
day.
•There are instances when the status of a particular transaction needs to be confirmed before proceeding, hence the need to print the “End of day” receipt
•The Agent is advised to print out the end of the day transaction receipt to confirm every of your transactions.
A stand for Approved D stands for declined R stands for reversed
•For both D and R, please advise the Agent to give the customer a copy of the end of the day receipt, they can
take it to the bank to log a reversal request.
•The Table below contains the Supervisor PINs for all the Terminals we have from NETOP.
S/N BANK SUPERVISOR PIN ADMIN PASSWORD
1 GTB (2058) 21058 210058
2 FIDELITY (2070) 21070 210070
3 PROVIDUS (2001) 21001 210001
4 UNION (2032) 21032 210032
5 FCMB (2014) 21014 210014
6 WEMA (2035) 21035 210035
7
ZENITH (2057)
21057 210057
POSSIBLE ERRORS POSSIBLE SOLUTIONS
1. Connection failed 1. Network error, confirm that GPRS SIM is active. Switch off the POS for two minutes and restart.
If the same error occurs, contact the support team.
2. Recv connection error 2. Network error, confirm that GPRS SIM is active. Switch off the POS for two minutes and restart.
If the same error occurs, contact the support team.
3. Do not honour
3. This is a Bank restriction on the card, the customer should contact the Bank for further resolution.
4. Transaction Declined/Reversed
4. Print out the End of Day receipt to confirm the status of the transaction
5. Application (App) exemption 5. Confirm the GPRS SIM is active. A reboot is advised. If issue persists afterwards, please contact the support team.
6. PED TAMPERED
6. The POS has been damaged and should be sent back to our office for a repair
7. Error unpacking response/ clear keys
7 . The merchant is advised to update the Terminal Parameters. Steps below:
i. Once the menu page is displayed, select option 3 which is the administration option
ii. Enter the Admin PIN for the terminal (note the bank of the terminal)
Iv. Navigate with the blue arrow button and select delete keys
v. Once the procedure is completed, reboot terminal.
8. SSl connect failed 8. This happens to be a general downtime most of the time. But in cases where it is particular to an agent, Agent is advised to change the sim in the terminal.
9. Printer issue 9 i. Confirm If the paper is well placed. If it is well placed, probe further to ask if it is printing a blank receipt, if yes, a repair is required.
ii. If the terminal isn’t printing out paper at all, confirm if it makes any sound, if yes, a repair is required.
The Global Accelerex is another PTSP for POS terminals. The terminal requires a password which is 000000. The agents are to follow the steps below to carry out cash withdrawal transactions
•Insert the card with the chip side facing up
•Select the purchase option;
•Confirm the card details
•Enter the Amount and press enter
•Customer enters their PIN and press enter (the green button)
•The terminal processes the transaction
•If transaction is approved, terminal prints out the customer’s copy of the receipt (Agent gives customer cash.)
•If transaction is declined, terminal displays the reason and does not print out any receipt. (The agent is advised not to pay the customer).
Please find below the steps of printing the end of day receipt on the Global Accelerex POS terminal:
•Select the reprint option on the menu;
•Enter the password 000000;
•Select the EOD option 3
•Select the option 2 PRINT EODs
•Select the option 1 PRINT EOD
You can print the EOD depending on the Date or the exact option you want. Just select the options on the menu to proceed.
This option contains all the configuration of the terminal. It is advisable for the merchants not to tamper with this menu. We would be focusing on the key exchange option basically , which is to know the status of the terminal’s network connectivity. The steps below are to be followed to confirm if the SIM in a terminal is active.
•Once the terminal is fully booted, press the enter button
•Select option 4 (Admin), password is 000000
•Select Log on
•Select trans log on, password – 01, then another password to be entered – 0000
•The terminal screen starts displaying the ‘Linking Option’and it shows ‘Down Para ok’, it means the Terminal is active (SIM is active with Data) .
•Once the process is completed, the screen displays the ‘’Log on successful’and a print out is done.