Card Reader User Guide

Transcription

1 Card Reader User Guide

2 1 MYOB PayDirect User Guide Getting started in a few easy steps MYOB PayDirect turns your smartphone into a mobile payments terminal, so you can get paid on the spot anywhere, anytime. This guide: > Shows you how to use the MYOB PayDirect payments service > Introduces you to your MYOB PayDirect Reader > Shows you how to pair your smartphone to your PayDirect Reader > Provides the information you need to start taking payments Learn more Please visit myob.com.au/paydirectsupport for customer support and additional information, including: > Frequently Asked Questions > Demo Videos

3 2 MYOB PayDirect User Guide Get to know your MYOB PayDirect Reader Ref Feature Function 1 Swipe Card Slot Reads magnetic stripes cards (strip facing away from user) 2 LED Display Display instructions for user 3 Power Button Powers the terminal on and off and enters sleep mode 4 Revive Button Pin-hole button used to reset the Reader 5 Enter Key Confirms actions including PIN entry 6 Cancel Key Cancels actions including PIN entry 7 Clear Key Removes the last PIN digit entered 8 Smart Card Slot Reads chip cards (chip facing towards user) 9 Charging LED Red LED above Micro-USB connector - indicates unit is charging 10 USB Connector USB Micro-B receptacle - used for charging/file transfer

4 3 MYOB PayDirect User Guide Charging your MYOB PayDirect Reader Your MYOB PayDirect Reader may not come fully charged so we recommend you charge it for 3 hours before using it for the first time. To recharge your PayDirect Reader, plug one end of the supplied USB cable into your PayDirect Reader and the other into a: > Standard USB charger, or > Powered USB port on your computer. Important note! When fully charged, your MYOB PayDirect Reader will perform about 150 transactions and last three to four days in standby mode. Your MYOB PayDirect Reader may lose its charge if you do not use it for some time. There is a battery level indicator on the screen of your MYOB PayDirect Reader. You can find out the percentage of charge in the app menu under Reader Information.

5 4 MYOB PayDirect User Guide MYOB customers can manage accounts and cash flow on the go Existing MYOB Essentials and AccountRight subscribers with MYOB PayDirect can take advantage of the added convenience and time saving features of mobile accounting. In just a few taps you can create and send invoices and manage your contacts, and it s all automatically updated to your accounting software without the need for any further data entry. For more information on the MYOB OnTheGo app and the additional mobile accounting features visit myob.com.au/onthego Downloading the mobile app Before you re able to make your first transaction, you need to install the MYOB OnTheGo app (if you re an existing MYOB Essentials or AccountRight subscriber) or the MYOB PayDirect app (if you re new to MYOB) onto your smartphone. A list of supported devices can be found at myob.com.au/paydirectsupport If you have an Apple iphone, follow these instructions: 1 Go to the App Store on your phone 2 In the search box, type in MYOB OnTheGo or MYOB PayDirect 3 Download the MYOB PayDirect app If you have an Android phone follows these instructions: 1 Visit the Google Play Store on your phone. If you do not have Google Play, you can download it at play.google.com 2 In the search box type in MYOB OnTheGo or MYOB PayDirect 3 Download the MYOB PayDirect app

6 5 MYOB PayDirect User Guide Using the mobile app The mobile app allows you to process transactions using your MYOB PayDirect Reader. Now you have the app, it s a good idea to spend a few minutes becoming familiar with it. It will make processing your first few transactions quick and simple. Log in to the mobile app 1 Open the mobile app on your smartphone 2 Log in using your MYOB username and password 3 You will be prompted to set up a 4 digit security PIN. This will become your login PIN from now on.

7 6 MYOB PayDirect User Guide Navigating the Menu in the app Now that you have logged in, let s look at the Menu screen. You ll use this screen to process transactions with your PayDirect Reader and to manage all basic operations, including your transaction history, reader information and security settings. Swipe right from within the app to access the Settings Menu or tap on the Menu icon ( ). You ll find these options: > Transaction History Shows all processed transactions. Use this screen to process a refund. > Reader Information Shows your PayDirect Readers serial number, Device model and Battery charge % > Security Settings Use to enter and change your Signature Verification Code > Log out Use to exit the app

8 7 MYOB PayDirect User Guide Connecting your Reader for the first time 1 Charge your card reader with the USB cable for at least 3 hours when using it for the first time. 2 Familiarise yourself with the key features and buttons of your PayDirect Reader using the graphic and explanations on page 2. 3 Turn on Bluetooth on your smartphone and turn on your PayDirect Reader. The on/off button is on the left hand side. The flashing Bluetooth symbol on your PayDirect Reader indicates you are ready to connect. If it s not flashing, hold down the Enter key until the Bluetooth symbol starts flashing, then release immediately. If you continue to hold it down it will flash twice and then stop flashing, and it won t appear in your Bluetooth device menu on your smartphone. 4 Find your PayDirect Reader in the Bluetooth devices menu. It will appear as PayDirect 123, with the digits being the last 3 numbers of the serial number on the Reader. 5 Tap pair on your phone first then press Enter on the Reader to confirm the 6 digit code presented. 6 Now the PayDirect Reader is in connected mode you can start using it to accept credit card and EFTPOS payments.

9 8 MYOB PayDirect User Guide How to process your first transaction 1 Connect or Pair the PayDirect Reader to your smartphone via Bluetooth. 2 Open the PayDirect app on your smartphone and log in using your MYOB username and password or your 4 digit PIN number (if you have set it up already). 3 Enter the transaction amount on your smartphone and tap Next. You ll be asked to confirm the amount. Press OK. 4 When prompted, ask your customer to insert or swipe their card, or do it for them. > If the card has a chip, insert the card into the card slot at the base of the PayDirect Reader. > If the card doesn t have a chip, swipe the card through the magnetic stripe card slot at the top of the Reader. 5 Select account > For EFTPOS transactions, when prompted, ask your customer to select which account they d like to use: 1. Savings 2. Cheque 3. Credit 6 When prompted ask your customer to enter their PIN on the PayDirect Reader. Note: > Sometimes a card will require a signature. When this happens a signature panel will appear on your smartphone and the Signature needed message will appear on the PayDirect Reader. Follow the instructions under Cards that require a signature.

10 9 MYOB PayDirect User Guide > When prompted to enter a PIN some customers may tell you they don t have one. If they have presented a credit or debit card, ask the customer to press Enter on the Reader and follow the instructions under Cards that require a signature. 7 You will be prompted to remove the card from your PayDirect Reader. 8 If OK, Approved will appear on the screen of your smartphone and PayDirect Reader. If the customer wants a receipt, enter their address or mobile number and press Send. If the card is declined, the reason (incorrect PIN, insufficient funds etc.) will appear on the display of the smartphone and the PayDirect Reader. > Depending on what the customer wants to do, repeat the process from step 3. > If the customer does not provide another card or a correct PIN, cancel the transaction. Your daily transaction limit is set to $2,500 AUD. Contact MYOB Support on if you require an increase. Cards that require a signature 1 If the signature panel appears on your smartphone and the Signature needed message appears on the PayDirect Reader, ask your customer to sign the screen with their finger. 2 Check the signature against the one shown on the back of their card. At this point it s safe to remove their card from your PayDirect Reader. 3 Press Signature Verified if you re happy. 4 Enter your Signature Verification Code at the prompt. This is set to 0000, but you can change this at any time in Security Settings. You can get to this from the Menu ( ) on the dashboard or by swiping right from the dashboard. 5 If OK, Approved will appear on the screen of your smartphone and PayDirect Reader. If the customer wants a receipt, enter their address or mobile number and tap Send.

11 10 MYOB PayDirect User Guide Inserting or swiping cards Chip and PIN Cards Swipe and PIN Cards If your customer has a card with an embedded microchip ( chip ): Insert the card chip first, with the front of the card facing the front of the PayDirect Reader (the side with the keypad) If your customer has a credit card without an embedded chip: Swipe the card through the magnetic reader, with the front side of the card facing the front of the PayDirect Reader (the side with the keypad). You can swipe the card in either direction. Important note! PayDirect will accept Visa or MasterCard credit, debit and EFTPOS cards. PayDirect does not support American Express (Amex) or Diners. If your customer s card has a chip, you must insert the card into the card slot. You cannot swipe credit cards which have a chip.

12 11 MYOB PayDirect User Guide Obtaining a customer s signature MYOB PayDirect may prompt you to obtain the customer s signature on your smartphone screen. Here s what to do when this happens: 1 Rotate the screen to the correct orientation shown in the app. 2 Ask your customer to sign the screen using their finger. If the customer makes a mistake, tap Clear Signature to allow them to sign again. 3 Check their signature against the one shown on their card. If the signature doesn t look correct or you re concerned about the validity of the card, tap Void to cancel the transaction. 4 If you are happy to proceed, tap Signature Verified and you ll be prompted to enter your four-digit Signature Verification Code. This is set to 0000, but you can change this at any time in Security Settings. You can get to this from the Menu ( ) on the dashboard or by swiping right from anywhere within the app. Important info! The Signature Verification Code is not the customer s four-digit card PIN.

13 12 MYOB PayDirect User Guide Finishing the transaction and issuing a receipt When the transaction has been authorised the MYOB PayDirect app will tell you. > If your customer does not want a receipt, finish the transaction by tapping Done > If your customer wants a receipt, enter their address or mobile phone number and tap Send. You can only send one receipt from here, if you want to resend or send later you can do so from the Transaction History menu. Success you ve transacted using MYOB PayDirect!

14 13 MYOB PayDirect User Guide Processing a refund It s easy to process refunds with MYOB PayDirect. The customer must present you with the same card that was used to process the original transaction and, ideally, the STAN number on their receipt. 1 Go to Transaction History, which is accessed through the Settings menu in the app (swipe right from anywhere within the app) or tap ( ). 2 Search for the transaction using the STAN number on the customer s receipt. 3 Once located, tap on the transaction to view the Transaction Details screen. Tap Refund. Follow the on-screen prompts to process the refund. Important info! You cannot refund more than the original transaction amount. There s no time limit on processing refunds. If you process a transaction for the wrong amount, it s best to refund the entire amount and then process the transaction again, rather than refunding part payments.

15 14 MYOB PayDirect User Guide Security of your PayDirect Reader and smartphone Security of your information is paramount. That s why you need a username and a four-digit PIN to access the app. To keep your information secure we recommend you: > Log out of the app whenever you re not using the MYOB PayDirect Reader. > Set a password on any smartphone you use with the MYOB PayDirect Reader, as additional protection in the event of theft. Keeping your PayDirect Reader secure Your Reader is tamper-proof to ensure that card details and PINs are processed securely. Please follow these security guidelines, so that no illegal activities can be undertaken with your device. 1 Make a note of your serial number on the back of the device. The last 3 digits of the serial number will display in the Bluetooth menu when you connect to your smartphone. 2 Inspect your device regularly to ensure it does not show any marks caused by an illegal attempt to open the plastic case. 3 Ensure your PayDirect Reader is only used by trusted staff and never left unattended. Lock it away when not in use. 4 Only use secure PINs or passwords to access the PayDirect app. 5 Never try to repair or open up the PayDirect Reader yourself. 6 If the PayDirect Reader identifies a tamper attempt during usage, the terminal will immediately close the payment application aborting any transaction in progress. The tamper state is indicated on the display by **SYSTEM TAMPERED**. 7 The PayDirect Reader will automatically perform a security check every 24 hours. A suspected tampered device should be returned for investigation. Please contact MYOB customer support on

16 15 MYOB PayDirect User Guide 8 If your PayDirect Reader shows unusual behaviours such as a high number of read failures or card declines, contact customer support on These can be indicators of a tampered or damaged device. 9 Make sure anyone using a PayDirect Reader reads and follows these guidelines. If you lose your MYOB PayDirect Reader Report a lost or stolen PayDirect Reader immediately to MYOB so we can disable it. Once a PayDirect Reader has been disabled, for security reasons you must contact MYOB to have it re-activated. Troubleshooting The MYOB PayDirect Reader doesn t work with my smartphone The PayDirect Reader and app are designed to work with a number of Apple ios and Android devices. A list of these is available at myob.com.au/paydirectsupport. The MYOB PayDirect Reader doesn t read the chip on my customer s card Make sure the card is inserted fully. If your customer s credit card has a chip, check you re inserting the card so the front of the card faces the front of the PayDirect Reader. Also make sure you insert the card chip-first into the PayDirect Reader. The MYOB PayDirect Reader doesn t read the magnetic stripe on my customer s card If your customer s card has a chip, you must insert the card into the card slot. If it only has a magnetic stripe, check you re swiping the card so the front of the card faces the front of the PayDirect Reader. Everything works but it won t process the transaction Check the network coverage on your smartphone. If you re in a bad or no-signal area, you may not be able to process transactions because they are done in real-time using your smartphone s network coverage. If you re in a no-signal area, you may have to move to get network coverage.

17 16 MYOB PayDirect User Guide If my PayDirect Card Reader has a fault, what do I do? Please contact MYOB Support on and they will advise how you can receive a replacement. Do I need to turn on anything within my smartphone to make the PayDirect service work? You must turn on Bluetooth on your smartphone and then use this function to connect to the PayDirect Reader. There is an error reading the card s chip. You can insert and remove the card 3 times. After this you will be prompted to swipe the card and approve with signature. The PayDirect Reader is not reading the card s magnetic stripe. Make sure you are swiping the card level and at a normal speed. My PayDirect Reader was paired to my smartphone, but is not being detected by the app. > Try unpairing the reader, then go through the pairing process again > Make sure you only have one reader paired per phone > Make sure the reader is not paired to another phone.

18 myob.com.au/paydirectsupport MYOB is a registered trade mark and PayDirect is a trade mark of MYOB Technology Pty Ltd. The Bluetooth word mark and logos are registered trademarks owned by Bluetooth SIG, Inc. any use of such marks by MYOB is under license. Other trademarks and trade names are those of their respective owners. MasterCard and the MasterCard brandmark are registered trademarks of MasterCard International Incorporated. Google Play and the Google Play Logo are trade marks of Google, Inc.Apple is a trade mark of Apple Inc., registered in the U.S., and other countries. iphone 6, iphone 4S and iphone 4 are trade marks of Apple Inc. AWD138501/0614