Beginning with talech Register version 4.8.3, PIN debit processing is now available for US Elavon merchants with supported card readers. This article will explain how the feature works, and how to customize the behavior of the card reader when a debit card is used at the point of sale.
It's important to note that PIN debit processing is currently only available for US merchants who are processing payments though Elavon, and are using one of the following card readers:
- Ingenico iCMP
- Ingenico iPP320
- Ingenico Link/2500
The setting is located in Back Office > Settings > General > Payment > Debit Type, and has three options.
- None/No Preference (default)
- US Common Debit
- Global Network
|None||Prompt both Global and US Debit options to give cardholder choice|
|US Common Debit||US Debit - Process debit card on PIN preference network (will require the customer to enter the PIN)|
|Global Network||Process debit card on the debit signature network (allow the customer to sign instead of entering a PIN)|
US Common Debit: When this option is selected, the payment will be routed through the appropriate PIN preference debit network, and the cardholder will be asked to provide their PIN number to complete the transaction.
Important notes about US Common Debit:
- The PIN will be required
- No Signature required
- Tips are not supported
- Refunds are not supported (be prepared to offer an alternative refund, like store credit, cashback, or refund without receipt)
Global Network: If this option is selected, the payment will be processed similarly to a credit transaction. This will allow tips to be added to the payment.
- Signature is supported
- Tips are supported
Refer to the table below for an at-a-glance explanation of the settings and card reader behavior.
|Debit Preference||Card Reader Behavior||Notes|
|None / No Preference||Upon insertion of a debit card, the reader will prompt the cardholder to choose between US Common Debit or Global (Visa, Mastercard, etc.)|
|US Common Debit||The card reader will auto-select US Common Debit, and the payment will be processed as a debit.||
|Global Network||The card reader will auto-select Global Network and the payment will be processed similarly to a credit transaction.|
Disclaimer: Some Credit and Debit cards are configured by the issuer as strictly PIN-preference and cannot be run through a signature network. With cards like this, the cardholder will always have to provide their PIN to proceed with the transaction. If the cardholder does not know their PIN, the POS operator will need to manually key in the card number or insert the card into the reader upside down three times. After 3 failed EMV chip reads, the card reader will fallback to swipe entry, at which point, the card's magnetic stripe can be used instead of the chip.