How To Use Payclip On A Credit Card On A Payclip

Transcription

1 TM PayClip User Guide The easy way to accept Visa and MasterCard credit and debit card payments on the spot. Getting started made easy This User Guide gives you all the information you need on how to use PayClip. It introduces you to your PayClip device and gives you enough information about the PayClip app so you can get started. We also walk you through how to make simple everyday transactions and how to process refunds. Information for Merchants If you re the Merchant, please refer to page 2 of this User Guide. There you ll find information on how to complete the registration process in the BNZ PayClip Merchant portal and, importantly, on how to set up Mobile Users. Learn more Please visit bnz.co.nz/payclipinfo for more information about PayClip, including the following: Quick Start Guide for Merchants Quick start Guide for Mobile Users Information about PayClip-compatible smartphones/tablets Customer support If you are having problems using PayClip, please contact BNZ on Get to know your PayClip device 1. Your PayClip device. 2. Card slot for cards with a chip: If your customer s card has an embedded chip you need to insert it into the card slot. 3. Magnetic reader: If your customer s card doesn t have a chip, you need to swipe it through the magnetic reader Audio jack: Used to clip your PayClip device into your smartphone/tablet s headphone socket. 5. USB port: Used for charging your PayClip device Securing clips: Used to secure the PayClip device onto your smartphone/tablet. Charging your PayClip device Your PayClip device comes fully charged, so it s ready to use straight away. To recharge your PayClip device, plug one end of the USB cable (which comes inside the box) into your PayClip device and the other into: A standard USB charger (not supplied, but if your smartphone/tablet comes with a USB charger you should be able to use this), or A powered USB port on your computer. Important note: Once fully charged, your PayClip device should perform around 2,500 transactions. To check how much battery charge your PayClip device has remaining, in the PayClip app, swipe right for the Settings menu and select About. You ll find more information about how to do this on page 3. 1

2 Download the PayClip app Before you re able to take your first payments, you need to download the free PayClip app onto your smartphone/tablet. A list of PayClip-compatible smartphones/tablets can be found at bnz.co.nz/payclipinfo. If you have an Apple iphone TM or ipad TM, follow these instructions 1 : 1. Visit the App Store Search for BNZ PayClip. 3. Download the free PayClip app onto your smartphone/tablet. If you have an Android TM phone or tablet, follow these instructions: 1. Visit Google Play Search for BNZ PayClip. 3. Download the free PayClip app onto your smartphone/tablet. Finding your way around the PayClip app The PayClip app lets you process transactions using your PayClip device and your smartphone/tablet. Now you have the PayClip app on your smartphone/tablet, you should spend a couple of minutes getting to know your way around it. It will make processing your first few transactions quick and simple. Login to the PayClip app 1. Open the PayClip app on your smartphone/tablet. 2. At the prompt, login to the app by entering your user ID and PIN. Important note: When you login to the PayClip app for the first time, you ll be prompted to enter the user ID and temporary PIN which were ed to you. You ll also be required to enter the new user activation code which we sent to your mobile phone. Note that you ll be asked to change your PIN as part of this process. Forgotten your PIN? If you can t find your login details or have forgotten them, call us on and we ll send them to you again. Information for merchants Important note: This section contains important information for Merchants. You can skip this section if you re not the Merchant. The BNZ PayClip Merchant portal is where you ll manage all aspects of PayClip for your business, including the ability to: View all transactions relating to your Merchant account. Set up Mobile Users who can use your PayClip device. Manage your PayClip device and disable it in the event it s lost or stolen. Login to the BNZ PayClip Merchant portal 1. You can access the BNZ PayClip Merchant portal at payclip.co.nz. 2. At the prompt, login by entering your username and password. Important note: When you login to the BNZ PayClip Merchant portal for the first time, you ll be prompted to enter the username we ed to you. You ll also be required to enter the temporary password which we sent to your mobile phone. Note that you ll be asked to change your password as part of this process. 1. ipad and iphone are trademarks of Apple Inc., registered in the U.S. and other countries. 2. App Store is a service mark of Apple Inc. 3. Google Play is a trademark of Google Inc. 2

3 Forgotten your password? If you can t find your login details or have forgotten them, call us on and we ll send them to you again. Setting up Mobile Users Before you can use the PayClip app you need to set up your Mobile Users. Even if you re the only person using PayClip in your business, you need to set yourself up as follows: 1. Login to the BNZ PayClip Merchant portal. 2. Select Add a Mobile User from the main screen. 3. Enter your address (this will become your username in the app), name and mobile number. Check the box if you d like to be able to perform refunds within the app. 4. We ll send you an containing your username and a temporary PIN. We ll also send a new user activation code to your mobile phone, which you ll need the first time you login to the PayClip app. You ll be asked to change your PIN during this process. You should also set up any staff members who you wish to use your PayClip device. Repeat the process above, entering the details (including their address) for each new Mobile User you wish to set up. Navigating the Settings menu in the PayClip app Now you re logged in to the PayClip app, let s go over one of the main screens, the Settings menu. You ll use this screen to manage all basic operations. Swipe right in the PayClip app to access the Settings menu. You ll find the following options: New Sale: Used to begin a new transaction. Transaction History: Shows all processed transactions made by the Mobile User. You ll visit this screen to process a refund (see page 6). Security Settings: Used for entering and changing your Signature Verification Code (see below). Support: Contact details for help and support on BNZ PayClip. About: Used to find information about your PayClip device, including how much battery charge is remaining. Logout: Used to exit the PayClip app. The Signature Verification Code Before you re able to use your PayClip device to process a transaction, we recommend you set up your own four-digit Signature Verification Code within the app. Important note: The Signature Verification Code is defaulted to If you do not set your own code, this will be your code. The Signature Verification Code gives you (or any Mobile User) the opportunity to check the customer s signature before a transaction begins processing. It s not the customer s four-digit PIN. How to set your Signature Verification Code 1. Swipe right in the PayClip app to access the Settings menu. 2. Select Security Settings. 3. Check Signature Verification is set to ON, select a PIN and follow the on-screen instructions to set and confirm your four-digit Code. The Signature Verification Code is stored within the PayClip app on a smartphone/tablet. So if you login to the PayClip app on someone else s smartphone/tablet using your own user ID and PIN, you ll need to set a new Signature Verification Code. You can do this at any time without having to know the previous code you (or someone else) had set. You now have all the information you need to get started. Over the next few pages we ll walk you through how to process a simple transaction using BNZ PayClip. 3

4 Taking a payment for the first time How to process your first transaction using PayClip 1. Open the PayClip app on your smartphone/tablet. 2. At the prompt, login to the app by entering your user ID and PIN. 3. You ll be instructed to clip your PayClip device into your smartphone/tablet. Insert the audio jack on your PayClip device into your smartphone/tablet s headphone socket. It should fit snugly. If you have a cover on your smartphone/ tablet, you may need to remove it. You can also adjust the clips on your PayClip device to hold it more securely in place. A Reader Detected message will appear in the PayClip app when correctly fitted. If you re using an Apple iphone or ipad, see Important note below. Depending on the location of the audio socket on your smartphone/tablet, you may have to clip your PayClip device into the top or bottom of your smartphone/ tablet, or back-to-front. Important note: If you re running ios 7 on an Apple device, you may get the warning Missing Reader, Please Connect Your Reader. This is due to a new privacy setting in ios 7, but it s easy to fix. Go to Settings on your Apple device, select Privacy, then Microphone. Turn Microphone ON for BNZ PayClip. Enter in the amount The PayClip app defaults to the New Sale screen. This is so you can take payments quickly at the point of sale. 1. Enter the value of your transaction. For example, the value of your transaction is $ Type The decimal point will be automatically inserted. If you enter an amount incorrectly, or your customer changes their mind about a transaction, use the backspace key. 2. Press Pay to enter an amount. Check the amount 1. You ll be prompted to check the amount before you continue to the next stage of the transaction. 2. Press Cancel to stop the transaction going to the next stage, or OK to confirm the value of the payment. 4

5 Inserting or swiping cards Next you ll be prompted to enter or swipe your customer s card. The front of the card should always face the flat side of your PayClip device. If customer has a card with a chip: Insert the card into the card slot, chip first, then press Continue. If customer has a card without a chip: Press Continue, then swipe the card through the magnetic reader. You can swipe the card in either direction (left to right, or right to left). Flat side of your PayClip device Card slot for chipped cards Swipe for magnetic reader Important note: PayClip only works with Visa and MasterCard credit and debit cards. It does not support EFTPOS, American Express (Amex) or Diners cards. If your customer s credit card has a chip, you must insert the card into the card slot. You cannot swipe credit cards with a chip through the magnetic reader. At the moment PayClip is a signature-only payment device and does not support Visa paywave or MasterCard PayPass. Therefore you must insert the customer s card into the card slot, or swipe the customer s card (if they only have a magnetic stripe on their card) and your customer must provide you with their signature. Obtain the customer signature The PayClip app now requires you to obtain the customer s signature on your smartphone/tablet s screen. Rotate the screen to the correct orientation shown in the app. 1. Obtain the customer s signature by getting them to sign the screen using their finger. If the customer makes a mistake, press Clear Signature to allow them to sign again. 2. Check their signature against the one shown on their card (if the customer s card is in the card slot, it s safe to remove it now). If the signature doesn t appear correct and you re concerned about the validity of the card, press Void to cancel the transaction. 3. Press Signature Verified if you re happy. 4. You ll be prompted to enter your four-digit Signature Verification Code (see page 3). Important note: The Signature Verification Code is not the customer s four-digit card PIN. See page 3 for more information. 5

6 Payment notifications and errors The PayClip app tells you when the transaction has been authorised. There may be occasions where you get an error message to let you know why a transaction has not been processed. The most common error messages are as follows: Transaction declined: This may be a result of the customer not having sufficient funds to complete payment. Or, if you re processing a refund (see below), you may get this message if the customer has not presented you with the original card they used to pay in the first instance. Transaction cancelled: This may occur if anything has interrupted the transaction process, such as a phone call. If this happens you should try taking a payment again. You have exceeded your maximum daily transaction limit: This is where you ve exceeded your daily transaction limit. If you re the Merchant, call us on and we may be able to increase the limit for you. Issuing your customer with a receipt 1. If your customer would like a receipt for the transaction, enter their address or mobile phone number and press Send. 2. If they do not want a receipt, press Done to finish the transaction. 3. Success you ve transacted using PayClip! Processing a refund You can easily process refunds in the PayClip app. The customer must present you with the same card that was used to process the original transaction and, ideally, their transaction ID (which was ed/texted to them). 1. First, locate the original transaction. You do this in Transaction History, which is accessed through the Settings menu in the PayClip app (swipe right from anywhere within the app). 2. Scroll through the records to find the original transaction (use the customer s name and/or the last four digits of their card to locate it). Or, search using the reference number on the customer s receipt. 3. Once located, select the transaction to get taken to the Transaction Details screen. 4. Choose Refund and follow the on-screen prompts. It s similar to taking a new payment. Important note: You can only process refunds in the PayClip app if you re authorised to do so. If you re the Merchant you can set yourself up to do this in the BNZ PayClip Merchant portal. You re unable to refund more than the original transaction amount and there s no time limit on processing refunds. If you accidentally processed a transaction for the wrong amount, we suggest you refund the entire amount and then process the transaction again, rather than refunding part payments. 6

7 Security of your PayClip Device and smartphone Security of your information is paramount. That s why you need a user ID and PIN to login to the PayClip app. You should note that no customer information or card details are held on the app or on a Mobile User s smartphone/tablet. We recommend all Mobile Users of your PayClip device take the following actions: Log-out of the PayClip app whenever they re not using PayClip. Place a security PIN/password on any smartphone/tablet they use with their PayClip device, as additional protection in the event both items are stolen. If you lose your BNZ PayClip device You should report any lost or stolen PayClip devices to BNZ by calling us on We can disable your PayClip device for you. If you re the Merchant, or it s out-of-hours (evenings and weekends), you can disable your PayClip in the BNZ PayClip Merchant portal. If you ve disabled your PayClip device (or we ve done this for you), for security reasons you must contact BNZ to have it re-enabled (e.g. if you find your PayClip device after you thought it was lost). 7