Mobile credit & debit card acceptance for your iPad
Spire® PosMate Smart™ PIN pad
Contents Content.
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User Information……………………………………………………………………..……..…….1. CardEase Mobile - Introduction …………………………………...……….........……..2. Basic requirements ……………………………………………………….…………..…..…….3. 1. The Spire PosMate PIN pad …………………………………………….……………4 - 5. 2. Pairing the Spire PosMate with an iPad…………………………………………….6. 3. Setup - Loading & Configuring the Application………………...…………..7 - 9. 4. Using CardEase Mobile. 4.1. Processing a sale transaction………..……………………………………….10 - 11. 4.2 Linked refund……………………………..………………………………………………...12. 4.3 Refunding a transaction……………..…………………………………………………13. 4.4 Voice referral……………………………..…………………………………………………14. 4.5 Mag stripe transactions…………..…………………………………………………….15. 4.6 Digital Signature capture……………………………………………………………….16. 5. WebMIS Reporting Tool…………………………………………………...…………….17. 6. Troubleshooting………………………………………………………………...…………..18. 7. Frequently asked questions……………………………………………...…………….19. 8. Support………….………………………………………………………………...…………….20.
User Information Record your Merchant Account and other useful information here. From time to time, you may need quick access to certain information in connection with your CardEase Mobile outfit. If you do complete these boxes, be sure to keep this book safe. Smartphone Mobile No. Phone IMEI
Merchant Account Merchant ID (MID) (Issued by Acquirer upon sign-up)
Terminal ID (TID) (Issued by Creditcall upon sign-up)
Transaction Key
PIN pad Serial Number (On the back of the PIN pad)
Bluetooth Passkey (You set this when first pairing)
Operator PIN (At default, the last four digits of Creditcall TID and needed for Voice Referrals and Signature transac-
Notes
User Information
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CardEase Mobile - simple mobile card acceptance Thank you for purchasing CardEase Mobile for your business - the revolutionary mobile phone based Point of Sale terminal. You will soon be enjoying the freedom to accept card payments from you customers wherever you are, and your business is sure to benefit from this mobility.
How does it work? CardEase Mobile uses an application (“app”) on your iPad to process credit and debit card transactions, in conjunction with a small PIN pad which is linked using secured Bluetooth wireless technology. It’s this simple: 1. You enter the amount you wish to charge your customer into the app. 2. Your customers insert their cards into your PIN pad and authenticate the transactions using their PIN, just like they would with any other PoS terminal. 3. The iPad then connects to Creditcall and via the internet to get bank authorisation for the transaction. The whole process only takes a maximum of 30 seconds and is fully secure. As far as your customer is concerned it’s exactly the same process as paying for something in a shop. The CardEase Mobile application is simple to install on your iPad. This guide will help get you up and running as quickly as possible.
What do I need? In order to process live card transactions you’ll need to arrange the following: 1. A merchant account with one of Creditcall’s recommended acquirers. 2. A Spire PosMate Smart 3. Download and configure the CardEase Mobile application (app) from the App store.
Welcome to CardEase Mobile
2.
Basic requirements Merchant account This is a special card accepting account through which the money from transactions (from your customers’ cards) will be automatically transferred into your bank account. When you apply for a merchant account you state which bank account you want it linked to.
MID This means ‘Merchant ID’ and is your unique merchant identification number with your acquirer.
PIN pad The CardEase Mobile system can be used with the Moo6 Shuttle unit manufactured by Miura.
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Take great care of the PIN pad as the security of the CardEase Mobile system depends upon it. It is designed with “tamper resistant, tamper evident” technology which means that if it is ever opened or dismantled (this could happen if it is dropped), it will cease to work, permanently. Your customers need to trust the PIN pad as they will be inserting their cards and entering PINs into it, so it should be kept clean and protected carefully when not in use.
Basic requirements
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1. The PosMate Smart PIN pad Introduction The Spire PosMate Smart PIN pad connects to your iPhone via secured Bluetooth. Card-swipe slot for non-chip cards
LCD
Charging LED
Bluetooth LED
Confirm key
Cancel key
Clear key
Card entry slot
Power button Charger socket
Card swipe slot for non-chip cards
The PosMate Smart PIN pad
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1. The Spire PosMate Smart PIN pad Charging. The PIN pads have their own internal battery which needs to be charged before use. It can be charged from 3 sources: 1. Using the USB lead and the mains charger, both supplied. 2. Using the USB connected to a computer. 3. Using the optional car charger (Spire PosMate Smart only) When the charger is connected the red “Power” LED will light. When charging is complete it will turn green. It can take up to 6 hours to charge the PIN pad if the battery is completely flat. The PIN pad can be used while the battery is being charged, and the “power connected” icon, a small plug symbol, will flash on the LCD: The state of the battery is shown by a battery icon on the display:
Switching on and off Press the power button on the top edge of the PIN pad. It will power up and be ready for use in a few seconds, and will show its serial number on the display. To switch the PIN pad off, press and hold the power button until 3 options are shown (Spire only): 1. Low Power Mode 2. Turn off completely 3. Return to normal operation The “low power” mode puts the PIN pad in standby where it uses very little power, but it will be ready immediately the power button is pressed again. This can be useful if you are expecting to make a number of transactions throughout the day and don’t want to wait for the PIN pad to power up each time.
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Never use any other charger than the ones supplied with the PIN pad as damage may result
Charging and switching on and off
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2. Pairing the Spire PosMate Smart PIN pad with the iPad Before you start... The PIN pad and iPad need to establish a Bluetooth connection between them. Please follow the below instructions:
Turn on the iPhone and navigate to the Bluetooth settings. Turn Bluetooth on.
Turn on the PIN pad, you should see a screen appear which states COMMUNICATION LINK NOT SET UP. This will quickly change to SETTING UP BLUETOOTH LINK. It is at this point that the PIN pad is ready to be paired, you should see the PosMate appear on the list of Bluetooth devices on the iPad.
Select the correct PosMate device on the list of Bluetooth devices, you can do this by checking the serial number located on the back of the PosMate. The PIN pad should display ENTER BLUETOOTH PASSKEY
A dialogue box should appear on the iPad with a Bluetooth code, enter this into the PIN pad and press the green OK button.
The devices should now be paired. If pairing should happen to fail, you can reset the PIN pad to re-enable Bluetooth mode.
On the iPad, select the arrow next to the PIN pad and choose “Forget this Device”. On the PosMate Smart, press the yellow button, select “Data Bearer” and press OK.
Follow the steps above.
Bluetooth pairing
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3. Setup - Loading Application The CardEase Mobile application The CardEase Mobile application is the point of sale programme that runs on the iPad and communicates with the PIN pad and an acquirer/processor to authorise transactions. To download the CardEase Mobile App, follow these instructions:
Launch the App Store on your iPad and search for CardEase Mobile
Select and download the CardEase Mobile App. Please note that you will need an Apple ID to be able to download apps from the App Store.
When you first open the App you be prompted to create a PIN code. You will need to enter this each time you open the App.
Note: If 5 incorrect passwords are entered in a row you will be required to create a new password and all information will be reset.
The App will then test the connection between your device and the Creditcall Test platform.
The App will confirm that the Bluetooth is on the device is working with the App.
Setup - Loading Application
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3. Setup - Configuring Application
You will have already paired the device to your PIN pad (page 6) so the paired PIN pad will appear in the ‘Devices found’ screen. Select the PIN pad from the list.
The App will then connect to the PIN Pad and confirm when this is complete.
You can pair another PIN pad from here.
Select ‘Pair new PIN pad’ from the screen at the top of the page and if the Bluetooth on the new PIN pad is active it will appear on the screen in the ‘Select An Accessory’ screen.
Select the PIN pad and confirm the pairing process by entering the passkey that will appear on the iPad.
The new PIN pad is now ready to use.
Setup - Configuring Application
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3. Setup - Configuring Application
On the left hand side of the screen select ‘Settings’.
On this screen you can also perform the following:
Configuration update
Select and pair a new PIN Pad
Quick link to the last transaction
Run set up wizard (this will check the details you have entered and test the connection to the test platform).
Adjust the volume.
Setup - Configuring Application
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4.1 Using CardEase Mobile Processing your first sale transaction You should now have completed the setup of CardEase Mobile and be ready to take your first card transaction.
On the left hand side of the screen Select “Sale”.
Before attempting to process a transaction, make sure your PIN pad is switched on. And is on the home screen. To get to the home screen press the red button on the device.
From the next menu, enter the amount of the transaction. Next, you can add a reference for the transaction so you can find it in the WebMIS reporting system later. This can be the customer’s name, or an invoice number, or you can leave it blank.
When you are sure the details are correct, click ‘Next’.
Next, you will see “Card Entry Prompted” on the iPad. Hand the PIN pad to your customer and ask them to insert their card. They will be prompted to confirm the amount, then enter their PIN.
Once the PIN has been entered correctly CardEase Mobile will go online to authorise the transaction. The speed of this depends upon the signal strength at your location. It should take no longer than 30 seconds.
Processing a sale transaction
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4.1 Using CardEase Mobile Processing your first sale transaction (continued)
You will then see a confirmation screen, showing the receipting options. You must select at least one. CardEase Mobile supports e-Receipting, by email or SMS as well as supporting AirPrint and digital signature capture.
You can ask your customer which they prefer, tick the appropriate box, then select ’Send Receipts’.
The SMS and email receipt will have a similar format to the below:
Note: If the customer does not wish to provide you with either their mobile number or email address yet still requires a receipt, you can use the CardEase Mobile receipt pad to provide a hand-written receipt.
Making a sales transaction
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4.2 Using CardEase Mobile Processing your first sale transaction - Linked Refund
The last transaction that was processed or an amount up to the amount first processed can be refunded once a receipt for the original transaction.
To process this linked refund select ‘Linked Refund’ at the bottom left of the screen.
Enter the amount you wish to refund. The max amount you can refund in the transaction is shown above the amount box.
Enter a reference if you require one.
Select ‘Next’.
The App will now go online to authorize this refund. Once the refund has been approved you will be able to issue a receipt.
Selecting the ‘Finish’ tab will take you to the home screen.
Linked Refund
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4.3 Using CardEase Mobile Refunding a transaction You may occasionally need to issue refunds for transactions taken by card. CardEase Mobile provides the facility to refund any amount.
On the left hand side of the screen Select ‘Refund’.
Before attempting to process a refund, make sure your PIN pad is switched on.
From the next menu, enter the amount of the refund transaction. Next, in the same way as a sale transaction you can add a reference for the transaction. When you are sure the details are correct, click ‘Next’.
Next you will see ‘Card Entry Prompted’ on the iPad. Hand the PIN pad to your customer and ask them to insert their card and confirm the refund amount. A PIN may be required for a refund transaction.
When the refund is authorised you will see the confirmation screen with the receipting options. You are required to issue a receipt for this transaction.
Select ‘Finish’ to go to the CardEase Mobile application main screen. Note: A card present refund can only be authorised if there is sufficient signal for the Smartphone/tablet to connect to the internet. If there is no network coverage, you will need to action a card-not-present refund using WebMIS - Creditcall’s transaction management system when you return to your office.
Refunding a sales transaction
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4.4 Using CardEase Mobile Voice referral The banks occasionally require voice referral for high value credit and debit card transactions. CardEase Mobile fully supports this bank requirement. If you plan to accept high value transactions it is worthwhile familiarising yourself with the procedure for voice referral.
You can demo a voice referral in the Test environment by entering the amount of £47.23
If voice referral is requested by the bank, you will see the following message displayed on the iPad after your customer has entered their PIN.
Make a note of the telephone number displayed.
The PIN pad display will show: Press the green “OK” button on the PIN pad.
PLEASE GIVE THIS DEVICE TO THE MERCHANT
You will be prompted to enter your Operator PIN
OPERATOR
(This is the last 4 digits of your Terminal ID and should be stored on page 1)
ENTER PIN:
You will need to use an additional handset to make the Voice Referral call.
The call will be answered by the bank and they may ask to speak to your customer to ask security questions. The bank will then speak to you again to authorise or decline the transaction.
On the PIN pad, enter 1. if the bank approve, or 2. if the bank decline the transaction. Enter the Auth code that the bank will have given you over the phone.
End the call.
Return to CardEase Mobile and the App will go online to complete the transaction.
Voice referral
MERCHANT CALL AUTHORISATION CENTRE PRESS ANY KEY
REFERRAL RESULT 1.
APPROVED
2.
DECLINED
ENTER AUTH CODE:
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4.5 Using CardEase Mobile About magnetic stripe (magstripe) transactions Nearly all UK-issued cards and many European cards have a chip which is read when you insert a customer’s card into your PIN pad. Cards that are issued overseas, for example in the USA, may not have a chip. You can still accept these cards, and CardEase Mobile will perform a normal online authorisation, although the procedure is slightly different, and your customer will be verifying the transaction by signature.
Accepting a non-chip card
Before starting the sale transaction process, take your CardEase Mobile receipt pad and fill in the details of the sale.
Start a sale transaction in the usual way.
When prompted to insert or swipe card, swipe the card through the slot at the top of the PIN pad with the magstipe facing away (card should be face up and upside down. You can swipe from left-to-right or right-to-left. Ask the customer to sign the receipt pad and check that it matches the signature on the back of the card.
CardEase Mobile will go online for authorization.
Confirm that the signatures match and select ‘Approve’.
If the transaction is declined, you will need to seek alternative payment from the customer.
Magstripe transactions
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4.6 Using CardEase Mobile Digital Signature capture CardEase Mobile can also take a digital signature for non chip transactions.
Once CardEase Mobile has been online for authorisation it will require signature verification. A screen for the customer to perform a digital signature capture will appear.
Pass the iPad to the customer and ask them to sign within the area and check that the signature matches the signature on the back of the card.
Select ‘Next’ from the bottom right of the screen.
You will then be asked to confirm your Operator PIN (this is the last 4 digits of your Terminal ID and should be recorded on page 1).
CardEase Mobile will then go online and authorise the transaction.
Magstripe transactions
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5. WebMIS Reporting Tool CardEase Mobile comes with the online WebMIS reporting tool which enables you to run reports and check transactions. The feature runs in real time so any transactions taken on CardEase Mobile will be shown instantaneously on WebMIS.
Test WebMIS can be accessed online at https://testwebmis.creditcall.com/login.php or via the app.
Main WebMIS features include:
Real time reporting
Online transaction capabilities
Refunds
Voids
Receipting
A full guide is available to download from the help option once you have logged in.
WebMIS Reporting Tool
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6. Troubleshooting Troubleshooting suggestions PIN pad does not turn on.
Check PIN pad charger - red light should come on when charging. If not, try plugging PIN pad into a computer’s USB port. Bluetooth light does not come on.
Try resetting the Bluetooth connection (see page 6. ) Delete PIN pad from iPad and re-connect (see page 6.) PIN pad display shows an open padlock.
Tamper system in the PIN pad has been tripped. Contact Creditcall.
Transactions always decline.
This will happen if there is insufficient mobile coverage. Check network signal is present on your iPad.
CardEase Mobile app only shows “Update Application”.
This indicates a mandatory update is available. Select “Update”, then re-start PIN pad and iPad if necessary.
I get a message “TMS update failed”.
This indicates an error in the Terminal ID or Transaction Key. Check these and re-enter if necessary as described on page 9.
PIN pad does not turn on.
The battery is probably flat. Plug it into the PIN pad charger - the red light should come on when charging. If it doesn’t, try plugging PIN pad into a computer’s USB port.
If the PIN pad still doesn’t turn on, press ‘Reset button’ by inserting a thin pointed object (such as a paperclip) into the hole on the underside of the unit, and wait for a full reset. Then select option 1.
Troubleshooting
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7. Frequently asked questions Answers to common questions about CardEase Mobile. Can I swipe from right to left
Yes the card swipe can be read from both directions. Left to right and right to left. Ensure the magstripe on the card is facing up.
What happens if I lose my PIN pad device?
Contact Creditcall to purchase a new PIN pad.
If I get a new SIM card or a new smartphone, what do I do?
If you are sent a new SIM card by your network operator, this should not affect CardEase Mobile. Install the SIM card as instructed by the operator and wait for any SIM updates that may be sent. Ensure you have mobile internet services working before trying to use CardEase Mobile.
If you get a new phone, pair the PIN pad with it as described on Page 6, then load the app to the new phone and set it up as described.
What is the battery life of the PED device?
It’s a lithium battery, so life is determined by the number and depth of charge/ discharge cycles. The normal life is 300-500 cycles which should equate to over 2 years typical use.
Can this device be used by multiple users / shared device possible?
We would not recommend that a PIN pad is paired with more than one iPad.
How can I view transactions that I’ve taken
You can see all the transactions you have taken, including refunds, by using WebMIS the CardEase Mobile Transaction Reporting System. You can access WebMIS from any internet-connected computer. Go to https://testwebmis.creditcall.com/login.php
Log in here using the log in detail sent to you upon sign up.
Troubleshooting
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Contact Details Contact Details - CardEase Mobile Pilot As a participant in the CardEase Mobile pilot, we are very interested to hear about your experience of using the system, whether good or bad. If you have any questions at all, please don’t hesitate to contact us directly. The Support Centre can be reached between Mon-Fri from 0900 to 1700 on the following Email address:
[email protected]
You can also visit: www.cardeasemobile.com
Contact details
Issue 1. August 2014
