QuickBooks POS Merchant Service

Accepting Credit Card Payments

To accept full payment by one credit or one debit/ATM card:

1. Start the receipt normally, listing items and other information.

   The customer can swipe their card at anytime; they do not have to wait for you to go to the receipt Payment window. The customer selects CREDIT or DEBIT/ATM as the transaction type. For debit transactions they enter their PIN and, optionally, select a cash back amount.

2. Select PAYMENT to go to the Payment window.

   If the customer finished entering information on the PIN pad before you reached the Payment window, the receipt amount is auto-filled in the Credit Card 1 or Debit payment field, as applicable and the Credit/Debit Card window is opened. Skip to Step 5 in this case. If you selected PAYMENT before the customer finished, complete Step 3 and then skip to Step 5.

3. Move the receipt amount to the Credit Card 1 or Debit payment type, as applicable, and then press Enter. The Credit Card or Debit Card dialog is opened.

4. Swipe the credit/debit card (or manually enter the card information) and any cash back amount, if applicable. Select AUTHORIZE if you manually entered information.

   Note: If manually entering credit card information, you must also enter the cardholder's ZIP code. The ZIP code is used to complete the address verification check for manually entered cards.

5. The customer must select OK on the PIN pad to approve the sale amount. (You will see the "Waiting for customer input" message until customer approves the amount.) Sample Debit Card QuickBooks POS connects to the Merchant Service to obtain authorization. If all of the following are true, QuickBooks POS will process the transaction and print the receipt without further action on your part. This allows you to return to servicing the customer.
   • You swiped the card, rather than manually entering card information
   • The transaction is approved
   • You are configured to automatically print and update the receipt upon approval

   If any of these are not true, continue with the following steps.

6. You will see one of the following messages:

   Authorized: The charge has been approved. Select OK to close the card dialog.

   Declined: The charge was not approved. Select CANCEL to return to the payment screen. Ask the customer to provide a different form of payment, or select AUTHORIZE to try again.

   Referral: Voice authorization is required. The cursor is automatically placed in the Authorization field. Call the number listed onscreen and give the operator your Merchant Number. Enter the authorization number the operator gives you and press Enter.

7. Wait for the receipt to print, if configured to print automatically on approval.

   Or

   Select PRINT/UPDATE to complete and print the receipt.

8. If applicable, the change window displays the cash amount to give the customer. Select OK to close the window.

9. (Credit Card) Have the customer sign the merchant copy of the receipt.

To accept split payments including credit or debit cards:

Split payment transactions involving credit or debit/ATM card are allowed. Up to three credit cards can be used on one transaction, while only one debit card is allowed. Credit card/debit cards can be used in combination with other payment methods. Follow the same procedure as above, modified as explained below.

Do not swipe the customer's card until directed to do so below.

1. Complete the receipt and select PAYMENT.
2. Enter the amount for the first card (credit or debit/ATM) in the appropriate payment field and press Enter.
3. Swipe the customer's card or manually enter the card information. Have the customer ok the amount on the PIN pad. QuickBooks POS connects to the Merchant Service for authorization in the same manner as in the previous procedure.
4. After authorization is received for the first card, enter or accept the amount for the second card in the appropriate field, or move the amount to another payment method, and press Enter.

5. If using a second card, swipe it now and follow the authorization process.

   Or

   If using another payment method, enter any requested information.

6. Repeat for a third card or another payment type, if necessary.
7. Once payment is balanced with the amount due, the transaction will immediately update/print (if configured to do so) or you can select UPDATE/PRINT to complete the transaction.
8. (Credit Card) Have the customer sign the merchant copy of the receipt.

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