User Guide. Mobile Merchant and Virtual Terminal

User Guide Mobile Merchant and Virtual Terminal

Copyright Statements 2013 Fiserv, Inc. or its affiliates. All rights reserved. Printed in the United States of America. Information in this document is subject to change without notice. No part of this document may be reproduced or transmitted in any form or by any means, electronic or mechanical, for any purpose, without the express written permission of MagTek, Inc. MagTek is a registered trademark of MagTek, Inc. MagnePrint is a registered trademark of MagTek, Inc. MagneSafe is a trademark of MagTek, Inc. Magensa is a trademark of MagTek, Inc. idynamo/idynamo 5 and udynamo are trademarks of MagTek, Inc. ipod, ipad and App Store are registered trademarks of Apple Corporation. Android and Google play and Google play Android Market are registered trademarks of Google Corporation. WorldPay is a registered trademark of WorldPay Corporation. USB (Universal Serial Bus) Specification is Copyright 1998 by Compaq Computer Corporation, Intel Corporation, Microsoft Corporation, NEC Corporation. Visa is a trademark of Visa Inc. MasterCard /MC is a trademark of MasterCard Inc. JCB is a trademark of Japan Credit Bureau Co., Ltd. American Express is a trademark of American Express Inc. i

Table of Contents SpotPay delivers a broad range of compatibility, allowing your ios and Android devices to evolve into a highly secure payment system. Any variations between platforms are noted herein. About SpotPay 1 Overview 1 Key Features 1 Secure Card Reader Features 2 Using the Demos 3 Contact Support 5 Managing My Account 6 How to Download the SpotPay App 6 App Overview 8 SpotPay Menus 8 SpotPay Settings 9 Sign Up and Log In 10 Change the Email on Your SpotPay Account 11 Setup 12 Create Custom Receipts 13 Change Your Password 15 Set Tax and Tip on Your Mobile Device 17 Edit Tax and Tip at Point of Sale 18 Turn On/Off GPS Tracking 19 Connecting and Using My Device 20 Connect the idynamo/idynamo 5 to an ios Device 20 Sub-header Display 21 Connect the udynamo to an Android Device 22 ii

Processing Transactions 24 Make a Sale Swipe 24 Make a Sale Qwick Code 30 Transaction Authentication and Authorization 32 Transaction History, Void and Refund 34 Void Before Settlement 34 Refund After Settlement 36 History and Reports 38 Appendix 40 iii

About SpotPay Overview SpotPay is a complete mobile payment solution that uses a reliable and safe card swipe reader (secure card reader). SpotPay is made for businesses that need to easily accept card transactions on the go. All you need is the SpotPay app, a merchant account, and the secure card reader and you can easily accept credit and debit cards from almost anywhere. About SpotPay SpotPay delivers a broad range of compatibility, allowing your ios or Android device to evolve into a highly secure payment system. SpotPay delivers a payment processing platform, an account management system, a Virtual Terminal, reporting, encryption, card and device authentication, counterfeit card detection and card tokenization. Key Features Email receipts Create custom receipts Easy-to-use transaction reporting Capture digital signatures Capture images of cardholder or goods purchased Automatically calculate tip and tax Fill customer contact info from address book Card-present ONLY transactions Protects data and surpasses the PCI DSS standards with the MagneSafe Security Architecture Immediate encryption (Triple DES) of all cardholder data with a derived unique key per transaction (DUKPT) Immediate tokenization or substitution of all cardholder data Immediate authentication of the card to ensure it is not a fraudulent copy Dynamic payment card data with every transaction for maximum cardholder protection 1

About SpotPay Secure Card Reader Features Bi-directional card reading Reads encoded data that meets ANSI/ISO/AAMVA/JIS Type 2 standards Reads up to three tracks of card data Supplies 54 byte MagnePrint value Unique, non-changeable serial number which allows individual tracking Encrypts all magstripe track data and MagnePrint value Provides clear text confirmation data including cardholder s name, expiration date and a portion of the card number as part of the masked track data Affordable and flexible Lowers the cost of card acceptance by offering authentic, card-present transactions Reduces the scope of merchant PCI compliance by eliminating sensitive card data from the app SpotPay provides unmatched security for cardholders and merchants with DETA transaction security: Dynamic payment card data Encryption within the head Decrypted data delivered only to a PCI DSS certified payment processor or gateway Tokenization of sensitive data (three types card, card number, and transaction) and SpotPay Qwick Code exchange Authentication (card, cardholder data, device, host, session) Deters the costs and hassles related to the chargeback process by identifying counterfeit cards 2

Using the Demos SpotPay provides demos within the app. Simply download the app from the App Store or Google Play Android Market and tap on Menu then Merchant Info and choose your Demo Mode (with or without a secure card reader; for ios the secure card reader is called idynamo/idynamo 5, for Android the secure card reader is called udynamo). The demo credentials will automatically complete, you just need to enter your email address. About SpotPay Credentials (credentials are case-sensitive) DEMO With Secure Card Reader (idynamo/ idynamo 5 or udynamo) Without Secure Card Reader (no idynamo/ idynamo 5 or udynamo) Virtual Terminal Merchant ID QPM752480654 SpotPay DemoID demo Merchant SpotPayDemoPwd SpotPayDemoPwd Go4SpotPay!!! Password After you enter your email address, tap Done. Now you can use any credit or debit card to perform transactions in Demo Mode using your card reader. Note that transactions performed while in Demo Mode will not result in actual charges to your card. Please be certain to enter your live credentials once you are ready to make live transactions. You cannot perform actual transactions for settlement in Demo Mode. 3

About SpotPay ATTEMPTING LIVE TRANSACTIONS IN DEMO MODE WILL NOT TRANSFER FUNDS. While in Demo Mode, if you try to make a live transaction and tap Submit you will get the following warning: WARNING: You are currently configured for Demo Mode. This is NOT a Live transaction. To disable Demo Mode: Go to the application s Menu, tap Merchant Info, enter your Merchant ID and Password, then tap Done. Additionally the email receipt message will state: You are currently configured for Demo Mode. This is NOT a live transaction. Sample ios Screen Shot Sample Android Screen Shot 4

Contact Support SpotPay is easy to use and offers a variety of support documentation and FAQs. However, should you need assistance, please ensure your reader is charged (required), and have the part number and serial number available before you call, for faster response. Your serial number is on the reader, or you can launch the app and tap on Menu, then MagneSafe Reader to view the serial number and firmware version. About SpotPay Sample ios Screen Shot Sample Android Screen Shot A Note on Your Merchant Account Your Merchant Account provides an agreement between you and WorldPay for the settlement of credit card and/or debit card transactions. Most transactions settle within 24 hours. To ensure that you get the lowest fees possible, always swipe the customer s card through the secure card reader, and be sure to include all the required information when processing a transaction. Contact Information Customer Care: Email: support@spotpay.com Toll Free: 866-849-5965 (available 24 hours every day) 5

Managing My Account How to Download the SpotPay App Android Users Managing My Account 1. Android users tap on the Google Play Store icon on the main screen of your mobile device. 2. Enter your account password and user name. If you do not already have an account you will need to establish one with Google Play. 3. Search for SpotPay. 4. Select SpotPay from the list. 5. Tap on Install. The app will automatically start to install on your mobile device. 6. Once it is installed you will see the icon on your main screen. Apple ios Users 1. ios users tap on the App Store icon on the main screen of your mobile device. 2. Enter your account password and user name. If you do not already have an account you will need to establish one with itunes. 3. Search for SpotPay. 4. Select SpotPay from the list. 5. Tap on Install. The app will automatically start to install on your mobile device. 6. Once it is installed you will see the icon on your main screen. 6

Sample ios Screen Shot Sample Android Screen Shot Managing My Account 7

App Overview SpotPay allows you to turn your mobile device into a POS terminal. It also provides the administrative architecture you need to run your business. The default landing screen for SpotPay is the transaction screen. If you tap the Menu button you can manage your subscription, view history and more. SpotPay Menus Managing My Account History SpotPay provides all the reporting you need for your mobile business. Transaction search functionality Transaction detail viewing Allows you to easily pull up transactions for voids and refunds MagneSafe Reader Tap this to see the secure card reader s unique serial number and firmware version. The serial number will always be seven digits and begin with a letter. The firmware version will always be numeric. Saved Receipts Tap this to view unsent receipts; useful when the network connection is lost or if you do not have an email account set up on the device. SpotPay Help Tap this to launch the SpotPay website support page. Merchant Info Tap this to log in and enter your credentials and email. This information does not synchronize with your Virtual Terminal and will need to be updated at both locations. SpotPay Promos Tap here for updates on SpotPay promotions. Refer a Friend Tap this to send a populated email to friends and colleagues about SpotPay. About Tap this for version and application information. 8

Sample ios Screen Shot Sample Android Screen Shot SpotPay Settings SpotPay allows you to enter default settings for Tax and Tip values; CVV Field on or OFF; ZIP code Field on or OFF; and (for ios only) Receipt Printing on or OFF. Managing My Account Tax and Tip CVV Field ZIP Code Field Receipt Printing Clear Transaction History Set your default calculations for tax and tip. Set the default to require or not to require by selecting ON or OFF. Set the default to require or not to require by selecting ON or OFF. Available only with ios. ON enables you to print a hard copy receipt to an AirPrint printer. Clears the transaction history on your phone. The data is aggregated and remains in your Virtual Terminal. You can override the tax and tip manually at the point of sale by tapping on the blue arrow and editing the values on the Tax and Tip screen. See page 17 of this guide for more details. 9

Sign Up and Log In You must have a WorldPay merchant account set up specifically for SpotPay to take advantage of its benefits. If you do not, click on Sign Up on the SpotPay website to set up a WorldPay merchant account and order your secure card reader. Enter Your Credentials Once your application has been approved, you will receive two (2) sets of login credentials: SpotPay credentials and WorldPay credentials. Your SpotPay credentials must be entered into the SpotPay application on your mobile device before you can process your first transaction. Your WorldPay credentials will allow you to log in to the WorldPay portal where you can manage your merchant account and review settled transactions. Managing My Account To continue setup, launch the application and tap on the splash screen, then tap on the Menu button in the top right corner. Tap on Merchant Info and be certain to turn the demo modes OFF. Enter your credentials and the email address you wish to be associated with this subscription. Tap Done to save your completed details. Sample ios Screen Shot Sample Android Screen Shot 10

Change the Email on Your SpotPay Account Before the SpotPay applications can send transaction receipts, there must be an active email account established on the device. You can use a current email account you have established, or create an email account you use only for SpotPay transaction receipts. It is important to save and store copies of signed receipts in case you have chargebacks. This will provide you with signed proof of these transactions. To change the email address or credentials in the SpotPay app: 1. Launch the SpotPay app and tap on the screen. 2. Once you are on the main page of SpotPay, tap on the Menu button in the top right corner. 3. In the Menu screen, tap on Merchant Info. 4. At the bottom of the Merchant Info screen, you can enter a new email address in the Merchant Email field. 5. Tap Done to save the update. NOTE: Please do NOT adjust or touch the Merchant ID or Merchant Password already in use unless you need to change it. Also make sure that the Demo Mode is OFF. Sample ios Screen Shot Sample Android Screen Shot Managing My Account 11

Setup Visit the Virtual Terminal The Virtual Terminal is your office in the cloud; this is where you can access all transactions, create reports, perform administrative tasks and create customized receipts. Open a browser and go to https://myspotpay.com and click on Login using the same login credentials you use for your mobile app. Managing My Account Home Reports Standard Custom Account Administration Saved Receipts Receipt Settings Help Documentation Support Logout The Welcome landing page. Allows you to get a standard report of all of your card swipe transactions. If you accept transactions with the same SpotPay subscription on multiple devices, all of your transactions will be listed here (even ones deleted on your mobile devices). Allows you to create a custom report of your card swipe transactions. Allows you to change your password. If you change your password at the Virtual Terminal, you will also need to change it on your mobile device. This is the location of your saved receipts. If you accept transactions with the same SpotPay subscription on multiple devices, all of your saved receipts are located here. This allows you to build your own branded and customized receipts. See the next page for complete details. Brings you to the Help area on the SpotPay website. Brings you to the Support landing page on the SpotPay website. Brings you to the FAQs on the SpotPay website. Securely logs you out. 12

A Note on Settlement Your Merchant Account provides an agreement between you and WorldPay for the settlement of credit, debit and/or prepaid card transactions. Most transactions settle within 24 hours. To ensure that you get the lowest fees possible, always swipe the customer s card through the secure card reader, and be sure to include all the required information when processing a transaction. Create Custom Receipts SpotPay allows you to create your own custom receipts. 1. Locate your credentials, your SpotPay Merchant ID and SpotPay Merchant Password. The credentials are case sensitive. Please enter the credentials exactly. 2. Open a browser and go to https://myspotpay.com. 3. Click Login and enter your SpotPay Merchant ID and Password. 4. The SpotPay Welcome page will open. 5. Under Account, go to Receipt Settings. 6. Add your logo, a header and a footer; you can also add a signature line for the Virtual Terminal receipts, allowing you to print out receipts for hard copy signature after transactions are completed. 7. Save your updates. You will need to close and restart the SpotPay app on your mobile device in order for any updates made at your Virtual Terminal to take effect. The receipt formatting updates are saved locally on your device and each time you start the app it will check for the most recent revision. If updates are available, they will be automatically downloaded and saved. Managing My Account 13

Managing My Account 1 Logo The logo must be in PNG, GIF or JPG format and cannot be more than 40 KB in size, 250 pixels wide and 100 pixels high. (TIP: If you want the logo background to blend in with the background of the receipt, you should put the logo on a white background with the hex color set to #FFFFFF.) 2 Header The header is the information located at the top of the receipts just under the logo. It is always centered. Most commonly, the header consists of address and contact details. 3 Signature Line (Virtual Terminal ONLY) Check the box to add a signature line for Virtual Terminal receipts so customers can sign a printed copy. This field will not populate with or show signatures taken on mobile devices. 4 Footer Information The footer information is located after the receipt information and is left justified. It is commonly used for thanking customers, providing URL information and stating your return policies to deter potential chargebacks. 5 Save Be certain to save your receipt updates. To view the updates on your mobile devices, close then reopen the app on your device. 1 2 3 4 5 14

Change Your Password If you change your SpotPay Password in your Virtual Terminal, you must also update the SpotPay app running on any mobile device in order for the passwords to match. Virtual Terminal 1. Locate your credentials, your SpotPay Merchant ID and SpotPay Merchant Password. The credentials are case sensitive. Please enter the credentials exactly. 2. Go to https://myspotpay.com. 3. Copy and paste the SpotPay Merchant ID and Password. 4. The SpotPay Welcome page will open. 5. Under Account, click on Administration. 6. Enter the original SpotPay Password into the top field (you can copy and paste). 7. Create a password for your SpotPay account. 8. Reenter for verification. 9. Click on Change Password. Your password is now reset on your Virtual Terminal. 10. Change it on any mobile devices. Mobile Device Managing My Account 1. Launch and open the SpotPay app. 2. Once you are on the main page of SpotPay, tap on the Menu button on the top right hand corner. 3. Tap on Merchant Info. 4. Make certain that the Demo Modes are OFF. 5. Clear or tap the X next to the SpotPay Merchant Password fields to remove the old password. 6. Type in the new password you just created on your Virtual Terminal in these two middle fields. (No need to touch the Merchant ID because that will never change.) You can update the Merchant email address here as well; this is where all copies of the SpotPay transaction receipts will be sent. 15

7. Tap the Done button at the bottom of the page to save these settings. If your login was accepted, it will take you back one page. Tap the Back button to return to the main SpotPay page and you will be ready to start processing card transactions. Sample ios Screen Shot Sample Android Screen Shot Managing My Account 16

Set Tax and Tip on Your Mobile Device Create Your Default Settings This sets a default tax and tip that is calculated as a percentage of the sale amount. 1. Launch the app. 2. Tap Menu. 3. Tap SpotPay Settings. 4. Set the tax and tip default calculation settings percentages. In this example the tax is set to 6.250 percent and the tip is set to 20.000 percent. 5. Tap Done to save changes. 6. Tap Back to go to the transaction screen. The next time you initiate a sales transaction, the tax and tip will automatically calculate to this default setting. Sample ios Screen Shot Sample Android Screen Shot Managing My Account 17

Edit Tax and Tip at Point of Sale Managing My Account This allows you to edit the tax and tip amount at the point of sale. 1. Launch the app. 2. After you enter an Amount in the Amount field you can edit the Tax and Tip. 3. Once you enter the Amount, you can tap on the blue arrow and the Tax and Tip override screen will slide into view. (The Amount field is carried over from the prior screen and cannot be edited here. To edit the Amount, tap Next and go back to the Trans.Sale/ Swipe page to adjust the Amount.) 4. Here you can select to enter either the Tax and Tip percentages or the Tax and Tip amounts. Change any of the fields using the keyboard for input. (Changing the percentages will show how the amounts change and changing the amounts will show how the percentages change.) 5. Tap Next to save your changes for this sale. NOTE: Tax and Tip will revert back to default settings for subsequent transactions. Sample ios Screen Shot Sample Android Screen Shot 18

Turn On/Off GPS Tracking GPS tracking is currently only supported on Apple ios devices. When you first install SpotPay, the app will ask you if you wish to allow the SpotPay app you are installing to use your current location. This feature provides a record of where the transaction took place. If you tap OK, the GPS coordinates will appear on all the SpotPay transaction receipts. If you tap Don t Allow, these coordinates will not appear on your SpotPay transaction receipts. If you decide to change the settings on your ios device: 1. Tap Settings on your main screen. 2. Tap Location Services. 3. Once in Location Services, look for the SpotPay app. Turn the location services on or off for the app. 4. Return to Settings or simply exit and the new settings will be saved. The feature will then be enabled or disabled. Managing My Account 19

Connecting and Using My Device SpotPay Adapters for Better Stability SpotPay supplies adapter kits with the respective idynamo devices to make attaching to your different ios devices simple. The idynamo 5 adapter kits are available for iphone 5s, iphone 5, ipad with Retina Display and ipod touch 5th generation. The legacy idynamo adapter kits are available for ipad 2, ipad, iphone 4s, iphone 4, iphone 3GS, and ipod touch. Connect the idynamo via the 30-pin or the Lightning connector. Launch SpotPay and tap on MENU. Then tap on SPOTPAY SETTINGS. Select the idynamo device ( On ). Then tap the DONE button. idynamo ipod touch* 3rd and 4th generation iphone 4s iphone 4 iphone 3GS ipad ipad 3rd Generation ipad 2 *This uses the iphone 3 adapter and a smaller adapter that slips in. Face the label inwards of the generation ipod touch you have. idynamo 5 Connecting and Using My Device ipod touch* 5th generation 20 iphone 5c iphone 5s iphone 5 ipad mini ipad Air ipad mini with Retina display ipad with Retina display

Sub-header Display You will see the app sub-header change from Device Not Ready to Device Ready upon attaching your device. Made for ipod and Made for iphone and Made for ipad mean that an electronic accessory has been designed to connect specifically to ipod or iphone or ipad respectively, and has been certified by the developer to meet Apple performance standards. Apple is not responsible for the operation of this device or its compliance with safety and regulatory standards. ipod touch, iphone and ipad are trademarks of Apple Inc., registered in the U.S. and other countries. ipod, iphone and ipad not included. 21 Connecting and Using My Device

Connect the udynamo to an Android Device The udynamo has no user controls. It requires SpotPay to control the operation of the card reader. Charging To charge the battery, connect the device to a USB host interface. Ensure the LED indicator shows that the battery is charging (flashing amber and green). The udynamo is powered by rechargeable internal lithium-ion batteries. The udynamo can process up to 300 swipes on a single battery charge. If the reader is left on awaiting a card swipe, the battery will deplete in 3.5 hours. Recharging can take up to six hours. Connecting and Using My Device Charging and Powering On/Off LED Indicators LED Meaning Notes Steady green Fully charged Ready for a card swipe. Waiting for state authentication. Blinking green Steady red Blinking green and amber Blinking short red and long green Fast blinking red 22 Solid amber Authenticated Authentication failed Charging in healthy battery state Reader in low battery state Reader is in critically low battery state Charging in critically low battery state While the reader is authenticated, no charging or battery level information is indicated. After an authentication failure, the LED remains red until a power cycle or successful authentication. No charging or battery level information is indicated. The reader is in the healthy state when the battery voltage is in between the fully charged state and low battery state. Reader is fully operational. Recommend charging the reader until the battery reaches the healthy state. Card swipe disabled. Stop using the reader. If the reader is connected to a mobile device, disconnect it before charging. Card swipes and most commands are unavailable. Allow the reader to charge to at least the low battery state before using again. LED Indicator (Charging)

Card transactions may be performed using either the audio jack or USB interface while the udynamo is charging. USB Connection Using the included Micro-USB cable (Micro-B), connect the udynamo to a host USB port on your computer or mobile phone/tablet. Then launch SpotPay. The device is now connected and ready to use. Audio Jack Connection When using the udynamo, make certain to setup SpotPay to communicate with the audio device. Plug the udynamo into the audio jack. Launch SpotPay and tap Menu. Tap SpotPay Settings. Select the udynamo device (radio button). Press the Done button. The device is now connected and ready to use. Updating the Settings will enable SpotPay to automatically do two things: 1. Turn the volume ON on your device to maximum for better data transfer. (If you have a physical mute button on your phone, SpotPay cannot automatically detect this and you will need to turn mute OFF.) 2. Turn the device ON and OFF automatically, to save on battery usage. (SpotPay will turn on automatically only while you are on a transaction swipe screen and will power off as soon as you go to another screen in order to decrease the frequency of recharging.) Protect the udynamo audio jack by folding it in when not in use. 23 Connecting and Using My Device

Processing Transactions Processing Transactions Make a Sale Swipe 1. Select Transaction Type Starting from the SpotPay main transaction screen, touch the Trans.Sale (ios) or Trans.Swipe (Android) button in the upper left corner. Select Sale Swipe to accept a credit or debit card. Sample ios Screen Shot Sample Android Screen Shot 24

2. Swipe the Card Swipe the payment card through the secure card reader. The card data is masked so that full card data is never displayed. The customer name and account automatically appear from the card swipe. If the customer name and account do not automatically appear after repeated swipes, refer to Voice Authorization Instructions on page 28. You can tap Details to add information to your customer contact (including email and address). Processing Transactions idynamo Card Swipe udynamo Card Swipe 3. Enter the Details Enter the three-digit security code on back of card and a ZIP code (optional). Enter the dollar amount, tax and tip (tax and tip are automatically calculated, but can be changed by pressing the blue arrow button). Take a picture using the Camera function to include a photo of the customer or the goods being purchased (optional). You can also select an image from your Photo Library (size 78x70 pixels), which could include an inventory of your products. 25

Processing Transactions Sample ios Screen Shot Sample Android Screen Shot 4. Submit the Sale Press the Submit button when you are ready to process the sale. 26

5. Transaction Authorization The transaction is sent to SpotPay and a response will appear almost immediately. (An error alert will appear if the card could not be properly authenticated. For example, if the MP score is below.5, SpotPay will display the error alert shown here. Processing Transactions For additional details on MP score, please refer to Transaction Authentication and Authorization, page 32.) Tap Add to Contacts to save the customer details (optional). 6. Obtain a Signature Customers may sign the receipt with their finger or use an optional stylus. Tap Done. 7. Send Receipt Press Send to email your custom receipt to the customer. A copy will automatically go to your Merchant email address. SpotPay stores unsent receipts locally on your mobile device (50 KB). You can delete any saved receipts at your discretion. SpotPay Virtual Terminal stores a history of all transaction receipts. Saved Receipts can be found under Account; click on the receipts to view details and/or print. 27

Processing Transactions Print Receipt (only available with ios) After you email the receipt you can also print the receipt to any available AirPrint printer. Under SpotPay Settings, change Receipt Printing to ON and SpotPay will automatically prompt you to print a receipt after each transaction. Voice Authorization Instructions If the customer name and account do not automatically appear after repeated swipes, you may call one of the numbers listed below for Voice Authorization. Please have your merchant number ready when you call. Visa/MC/Discover/JCB 888-999-8546 American Express 800-528-2121 Authorization and Capture The Authorization and Capture function saves all transaction(s) in a batch and posts them to WorldPay automatically every night. The Ticket Only option adds a previously authorized but not processed item to the open batch for processing that night. Voice Prompt Method English or Spanish voice prompts will walk you through each step below: 1. Dial 888-999-8546 2. At the prompt, select 1 for Authorization and Capture 3. At the next prompt, select 1 for Voice Prompt 4. Enter your Merchant ID 5. Select the transaction type: a. For Sale, tap 1 b. For Return, tap 2 c. For Ticket Only, tap 3 (have previous authorization number ready) 6. Enter the Card Number 7. Enter the Card Expiration Date 8. Enter the Sale Amount 9. Verify the Sale Amount 10. Record the authorization code that the system provides on the sales draft along with an imprint of the card and cardholder signature. 28

Key-Through Method Recommended for more experienced users. The Key-Through method allows you to quickly enter the information in each step followed by the pound key. The steps are: 1. Dial 888-999-8546 2. At the prompt, select 1 3. At the prompt, select 2 for Key-Through 4. Enter your Merchant ID and # 5. Select the transaction type and # a. For Sale, tap 1 b. For Return, tap 2 c. For Ticket Only, tap 3 (have previous authorization number ready) 6. Enter the Card Number and # 7. Enter the Card Expiration Date and # 8. Enter the Sale Amount and # 9. (Ticket Only) Enter the Authorization Code and # 10. Verify the Sale Amount 11. Record the authorization code that the system provides on the sales draft along with an imprint of the card and cardholder signature Processing Transactions Cancel Previous Authorization If you need to cancel a transaction the same day in your WorldPay account, you may use this menu option. English or Spanish voice prompts will walk you through each step below: 1. Dial 888-999-8546 2. At the prompt, select 4 for Bank Phone/Cancel Authorization 3. At the prompt, select 2 for Cancel Authorization 4. Enter your Merchant ID 5. Enter the Card Number 6. Enter the Card Expiration Date 7. Enter the Sale Amount 8. Verify the Sale Amount 9. Enter the Approval Code 10. The system will state that the authorization has been cancelled 29

Processing Transactions Make a Sale Qwick Code A Sale Qwick Code transaction sends the eight-digit alpha Qwick Code to SpotPay whereby the Qwick Code is securely exchanged for decrypted card data, which is then transmitted on to a PCI-certified processor and used for authorization. The customer s credit/debit card will then be charged for the amount of the transaction, and the transaction will be placed in a queue for settlement later that day. 1. Select Transaction Type Starting from the SpotPay main transaction screen, touch the Trans.Sale (ios) or Trans.Swipe (Android) button in the upper left corner. Select Sale Qwick Code to accept a Qwick Code. 2. Enter the Qwick Code Enter the eight-digit Qwick Code. Sample ios Screen Shot Sample Android Screen Shot 3. Enter the Amount Enter the dollar amount(s), tax and tip (tax and tip are automatically calculated, but can be changed by pressing the blue arrow button). Note: The Trans.Code button will take you back to the Transaction Type menu. 30

Optional: You may choose to take a picture using the Camera function to include a photo of the customer or the goods being purchased. You can also select an image from your Photo Library (size is 78x70 pixels), which could include an inventory of your products. 4. Submit the Sale Press the Submit button when you are ready to process the sale. 5. Transaction Authorization The transaction is sent to SpotPay and a response will appear almost immediately. (An error alert will appear if the card could not be properly authenticated.) Processing Transactions Press Done to send your custom receipt via email to the customer. A copy will automatically go to your Merchant email address. 6. Obtain a Signature Customers may sign the receipt with their finger or use an optional stylus. Press Done. 7. Send Receipt Press Send to email your custom receipt to the customer. A copy will automatically go to your Merchant email address. SpotPay stores unsent receipts locally on your mobile device (50 KB). You can delete any saved receipts at your discretion. SpotPay Virtual Terminal stores a history of all transaction receipts. Saved Receipts can be found under Account; click on the receipts to view details and/or print. Print Receipt (only available with ios) After you email a receipt you can also print the receipt to any available AirPrint printer. Under SpotPay Settings, change Receipt Printing to ON and SpotPay will automatically prompt you to print a receipt after each transaction. 31

Processing Transactions Transaction Authentication and Authorization Once you submit your transaction, a transaction authentication and authorization screen appears. Authentication You may not be familiar with authentication since this is unique to the MagneSafe Security Architecture (MSA) for SpotPay. Only secure card readers use the MSA and can perform real-time counterfeit card detection and encrypt the card data within the read head. Our secure card readers use the MSA to deliver instant encryption so your customers sensitive card details never enter your phone and are sent securely over SSL connections for decryption, authentication and processing. This lowers the scope and cost of PCI audits, saving you more time and money. A key feature of MagneSafe is MagnePrint card authentication, a patented, proven technology that reliably identifies counterfeit credit and debit cards. MagnePrint is a dynamic card authentication technology based on the unique physical properties of the magnetic stripe, also referred to as the stripe s digital identifier or (DI). It provides validation that the card itself is genuine and that its encoded data has not been altered. Authorization You are probably familiar with transaction authorization: the process of confirming payment with the credit or debit card company. The card data and amount are sent securely for processing with the customer s credit or debit card account. Processing involves confirming card number, expiration, CVV (security code) values, name on the card, ZIP code and available funds. 1. Authentication Data MP Score aka Authentication Value The MagnePrint score from the transaction. The score will range anywhere from -1 to +1 and be represented as 3 decimal places (ex: -.856). The higher the score, the more likely the card is authentic and not a copied card. The lower the score, the more likely it is a fraudulent card and may incur a chargeback. MP Days on File The number of days that the MagnePrint has been on file. MP Reg by The party that initially registered the MagnePrint; examples include Merchant, Gateway, Processor, Brand or Financial Institution. MP Count The number of times the MagnePrint has been read. 32

2. Authorization Trans Type The type of transaction. Examples can be: Sale Swipe, Sale Qwick Code, Void or Refund. Status The status of the transaction as it is returned from the cardholder s financial institution, such as approved or declined. Transaction ID An alphanumeric code that is unique to the specific transaction. Auth Code The authorization code that is returned from the cardholder s financial institution when a transaction is authorized for sale. Total Charge/Amount The total amount charged for a specific transaction (with applicable tax and tip). Tip Amount The amount charged as Tip. Tax Amt The amount charged as Sales Tax. Card # The primary account number (or PAN) from the card used to initiate the transaction. This number will be partially masked. Exp date The expiration date of the card used to initiate the transaction. Transaction Token A unique token or code generated with each swipe. This code can be used for post processing to reference back to the original, secured swipe data. Email The customer email address where the receipt will be sent. Location The geographic location where the transaction occurred. This can be set to ON or OFF on your device settings. Processing Transactions 33

Transaction History, Void and Refund Transaction History, Void and Refund Void Before Settlement You can perform a void on any sale transaction that has been submitted for payment but has not yet been settled. Launch the mobile app. Tap the Menu button in the upper right corner of the screen. Select History. The most recent transactions are listed first. Select the transaction to be voided and its details will display. Tap the Void button in the upper right corner of the screen and it will automatically launch the Trans.Void screen where it will populate the transaction ID to be voided. Tap the Submit button to void the transaction. If preferred, you can have the customer sign the receipt indicating the transaction was voided and have an optional receipt sent to them by email. Another way to perform a void is to: Launch the mobile app. Choose the Trans.Void transaction from the transaction options listed in the upper left corner of the screen. Enter the original transaction ID from the transaction you wish to void. Tap the Submit button to void the transaction. If preferred, you can have the customer sign the receipt indicating the transaction was voided and have an optional receipt sent to them by email. 34

Sample ios Screen Shot Sample Android Screen Shot Virtual Terminal You can also perform a void on your Virtual Terminal. Launch https://myspotpay.com. Tap Login. Enter your login credentials. Under Credit Card, tap on Void. Enter the transaction ID. Tap Void to submit your void. Saved Receipts SpotPay stores unsent receipts locally on your mobile device (50 KB). You can delete any saved receipts at your discretion. SpotPay Virtual Terminal stores a history of all transaction receipts. Saved Receipts can be found under Account; tap on the receipts to view details and/or print. Transaction History, Void and Refund 35

Refund After Settlement You can perform a refund on any sale transaction that has been settled. Transaction History, Void and Refund The easiest way to perform a refund is to: Launch the mobile app. Press the Menu button in the upper right corner of the screen. Select History. The most recent transactions are listed first. Select the transaction to be refunded and its details will display. Tap the Refund button in the upper right corner of the screen and it will automatically launch the Trans.Refund screen where it will populate the transaction ID to be refunded. Enter the original sale amount or adjust by pressing the amount field and launching the keyboard. Press the Submit button to refund the transaction. If preferred, you can have the customer sign the receipt indicating the transaction was refunded and have an optional receipt sent to them by email. Another way to perform a refund is to: Launch the mobile app. Choose the Trans.Refund transaction from the transaction options listed in the upper left corner of the screen. Enter the original transaction ID from the transaction you wish to refund. Enter the amount you wish to refund. Press the Submit button to refund the transaction. If preferred, you can have the customer sign the receipt indicating the transaction was refunded and have an optional receipt sent to them by email. 36

Sample ios Screen Shot Sample Android Screen Shot Virtual Terminal You can also perform a refund at your Virtual Terminal. Launch https://myspotpay.com. Tap Login. Enter your login credentials. Under Credit Card, tap on Refunds. Enter the amount and transaction details. Tap Refund to submit your refund for processing. Saved Receipts SpotPay mobile stores unsent receipts locally on your phone (50 KB). You can delete the saved receipts at your discretion. SpotPay Virtual Terminal stores a history of all transaction receipts. Saved Receipts can be found under Account; tap on the receipts to view details and/or print. Transaction History, Void and Refund 37

History and Reports On Your Mobile Device Only the transactions performed on your mobile device can be seen on your mobile device. History should be cleared from your phone at the discretion of the user; a warning message will appear when the memory is near the limit (each transaction takes about 20 KB of storage space without a receipt and with a receipt it takes approximately 50 KB of storage space). On Your Virtual Terminal All SpotPay transactions from any of your devices are aggregated on your Virtual Terminal. Transaction History, Void and Refund A record of each transaction is accessible in the SpotPay Menu History and in the SpotPay Virtual Terminal under Reports located at https://myspotpay.com. Following the instructions below, you can run custom transaction reports for days, weeks, or up to three months of transaction history. NOTE: Each daily batch may take one to three business days before showing up in your account. If you believe there was an error with settlement and processing of any of your transactions, please contact Customer Care at support@spotpay.com or 866-849-5965. 1. Log in to the Virtual Terminal at https://myspotpay.com using your SpotPay Merchant ID and Password. These are the same Username and Password you received via email when you originally signed up for SpotPay. 2. Once you have logged into the Virtual Terminal, click on Custom located under the Reports section in the left-hand menu. 3. Select the date range for which you would like to run the transaction report. When you have selected the desired transaction history dates, click on Get Report at the bottom of the page. 38

39 Transaction History, Void and Refund

Appendix FCC Warning Statement This equipment has been tested and was found to comply with the limits for a Class B digital device pursuant to Part 15 of FCC Rules. These limits are designed to provide reasonable protection against harmful interference when the equipment is operated in a residential environment. This equipment generates, uses, and can radiate radio frequency energy and, if not installed and used in accordance with the instruction manual, may cause harmful interference with radio communications. However, there is no guarantee that interference will not occur in a particular installation. FCC Compliance Statement This device complies with Part 15 of the FCC Rules. Operation of this device is subject to the following two conditions: (1) this device may not cause harmful interference, and (2) this device must accept any interference received, including interference that may cause undesired operation. Canadian Doc Statement This digital apparatus does not exceed the Class B limits for radio noise from digital apparatus set out in the Radio Interference Regulations of the Canadian Department of Communications. Le présent appareil numérique n émet pas de bruits radioélectriques dépassant les limites applicables aux appareils numériques de la classe B prescrites dans le Réglement sur le brouillage radioélectrique édicté par le ministère des Communications du Canada. Appendix This Class B digital apparatus complies with Canadian ICES-003. Cet appareil numériqué de la classe B est conformé à la norme NMB-003 du Canada. CE Standards Testing for compliance with CE requirements was performed by an independent laboratory. The unit under test was found compliant with standards established for Class B devices. UL/CSA This product is recognized per Underwriter Laboratories and Canadian Underwriter Laboratories 1950. 40

RoHS Statement When ordered as RoHS compliant, this product meets the Electrical and Electronic Equipment (EEE) Reduction of Hazardous Substances (RoHS) European Directive 2002/95/EC. The marking is clearly recognizable, either as written words like Pb-free, lead-free, or as another clear symbol. Appendix 41