Transactions & Processing
  • 29 Aug 2022
  • 3 Minutes to read
  • Contributors
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Transactions & Processing

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Processing a Sale

  • Press 1 for SALE
  • Enter sale amount and press green OK button
  • Insert chip card into reader, swipe the card or manually enter the card number
  • Have customer enter PIN and press green OK button
  • Select YES or NO for customer copy of the receipt



Processing a Keyed Transaction

  • Press 1 for SALE
  • Enter sale amount and press green OK button
  • Enter credit card number and press green OK button
  • Enter expiration date (format: MMYY) and press green OK button
  • Select YES or NO for customer copy of the receipt



Pre-Authorizing a Credit Card

  • Press 6 for AUTH ONLY
  • Enter amount and press green OK button
  • Swipe(black magnetic strip facing in), insert chip or manually key in credit card number
  • Press OK to confirm transaction amount
  • Select YES or NO for customer copy of the receipt


Capturing a Pre-Authorization

  • Press 4 for FORCE
  • Enter sale amount and press green OK button
  • Swipe(black magnetic strip facing in), insert chip or manually key in the credit card number - If swiped, enter last 4 digits of card, press green OK key - If manually entered , input expiration date, press green OK key
  • Press OK to confirm transaction amount
  • Enter approval code (this can be found from the original receipt), press green OK button
  • Transaction authorizes
  • Select YES or NO for customer copy of the receipt



Processing a Refund

  • Press 2 for RETURN
  • Enter the supervisor password
  • Enter refund amount and press green OK button
  • Insert chip card into reader, swipe the card or manually enter the card number
  • Have customer enter PIN and press green OK button
  • Select YES or NO for customer copy of the receipt


Voiding a Transaction

  • Press 3 for VOID
  • Press 2 for Reference #
  • Enter the Reference number from the receipt and press the green OK button
  • The screen should now display the original transaction, select SELECT
  • Press YES to confirm void
  • Credit - Transaction authorizes Debit - Swipe or insert card, have customer enter PIN and press green OK button
  • Select YES or NO for customer copy of the receipt

Processing a Debit Transaction (For US Merchants Only)

Debit vs Credit Network

Debit transactions in the US are charged differently depending on which network they go through, either the debit network, or the credit network. Either method results in a debit transaction for your customer, but the transaction fees you (the merchant) pay are different depending on which network is used.

When using US PIN debit cards, if your terminal has the latest terminal application it should automatically select the debit network by default when it identifies that your customer is using a debit card and ask your customer to enter their PIN. This was recently made the default debit transaction type, as a PIN is required, the transaction is less likely to be fraudulent and the interchange fees are lower. To be able to complete the transaction on the debit network your customers will need to know their PINs which may be new to them if they are used to selecting the credit network when using their debit cards. You do have the option to bypass the debit network and process the transaction on the credit network if needed, for example - when your customer doesn't know their PIN (see below). For more information on this recent change to processing US PIN debit, check out this page here.

How to Process a US Debit Card

PIN Debit (default):

  • Press 1 for SALE.
  • Enter the sale amount and press the Green OK button.
  • Insert the chip card into the reader.
  • The customer will enter their PIN and press the Green OK button.
  • The transaction will be authorized over the debit network.
  • Select YES or NO for the customer copy of the receipt.

Override to Signature Debit

If you have a customer who wants to pay using their debit card but wants to process the transaction on the credit (Signature Debit) network, you can bypass the PIN debit network by following these steps from the "Enter PIN" screen to bypass the PIN requirement on your Ingenico terminal:

  • Instead of entering a PIN on the "Enter PIN" screen, press the "Yellow" key on the terminal.
  • The terminal will ask you if you want to try without using a PIN.
  • Select "Yes"
  • Ask the cardholder to remove and then reinsert their debit card.
  • The transaction will now be initiated on the credit network.
  • Complete the transaction as usual.
  • NOTE: The terminal may still show the transaction is a debit sale.

Learn More

We believe that helping you better understand the payments industry can help you make better decisions for your business.

Here are some additional articles that might be helpful:

If you have any questions, please call Helcim Support at 1-877-643-5246.