How To Configure Card Payments

Introduction

This guide explains how to set up the Card payment method (tender type) to be used at the POS, and how to set the various rules to be applied for handling card payments.

The configuration covers creating card tenders, defining card types with their associated payment schemes and processing rules, establishing IIN ranges for card identification, and setting up tender menus so that card payment options appear on the POS.

The purpose of this guide is to demonstrate the steps to configure the POS to support card payments including card types, IIN ranges, and tender menu buttons.

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The intent of this guide is to provide basic guidance on configuration including required and the most common options. Please refer to the full solution documentation for a detailed explanation of all available settings.

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Overview

The following steps are required to enable card payments:

1. Tenders - Create and configure a card tender with payment rules, restrictions, and card-specific settings
2. Card Types - Define card types (e.g. Visa, Mastercard) with payment schemes, actions, authorisation, PIN, AVS, and ICC settings
3. IIN Ranges - Establish IIN (Issuer Identification Number) ranges to identify card types by their number prefixes
4. Tender Menu - Add a card tender button to the POS tender menu
5. Broadcasting - Deliver all configuration to the POS

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Configuration

Tenders

The Tender configuration is maintained using the Tender Maintenance function. This section covers creating a new card tender and configuring its properties across multiple tabs.

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Accessing Tenders

Navigate to Tender configuration using the Search or the path: Main Menu > Configuration > Financial > Tenders

The Tenders option opens the Tender Maintenance select page. This page lists currently configured tenders and enables you to add, view, edit, copy, or delete tenders.

The Tender Maintenance select page lists all configured tenders. Select Create a new Tender to add a new card tender, or use the edit icon on an existing tender to modify it.

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Creating a New Card Tender

In the Tender Maintenance select page, select Create a new Tender. An initial page captures the Region, Tender Type, and Tender ID. To configure a card tender, either select a pre-existing card tender for your region or create a new one.

Set the Region to the appropriate region, Tender Type to Card, and enter a unique Tender ID such as CARD_UK. Select Create to proceed.

Configuration	Example Value	Description
Region	United Kingdom	The region this tender applies to
Tender Type	Card	The type of tender being created
Tender ID	CARD_UK	A unique identifier for this tender

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General Tab

On the General tab, provide a description of the tender type and select the appropriate currency.

The General tab defines the tender description and currency. Set Description to a meaningful name such as Cards UK and select the appropriate Currency.

Configuration	Example Value	Description
Description	Cards UK	Display name for the tender
Currency	Pounds Sterling	The currency used for this tender
Maximum Tenders Per Transaction	0	Maximum number of this tender per transaction (0 means unlimited)
Open Drawer	Unchecked	Whether to open the cash drawer on tender
Open Drawer At End	Unchecked	Whether to open the cash drawer at end of transaction
Additional Receipts	0	Number of additional receipts to print

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Restrictions 1 Tab

On the Restrictions 1 tab, configure debit and credit permissions and limits.

The Restrictions 1 tab controls debit and credit permissions. Tick Debits Allowed and Credits Allowed, and tick Prompt With Amount Due to pre-fill the payment amount. Set limits if required or leave at 0.00 for unlimited.

Configuration	Example Value	Description
Debits Allowed	Checked	Allows debit (payment) transactions with this tender
Debit Tendering Restrictions	None	Restrictions on debit tendering
Debit Limit	0.00	Maximum debit amount (0 means unlimited)
Credits Allowed	Checked	Allows credit (refund) transactions with this tender
Credit Tendering Restrictions	None	Restrictions on credit tendering
Credit Limit	0.00	Maximum credit amount (0 means unlimited)
Prompt With Amount Due	Checked	Pre-fills the tender amount with the balance due
Minimum Transaction Value	0.00	Minimum transaction value for this tender

note

Credit Tendering Restrictions should be set to Amount less than or equal balance when limiting card refunds to the original transaction amount.

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Restrictions 2 Tab

On the Restrictions 2 tab, specify return tenders and void permissions.

The Restrictions 2 tab defines return tenders and void restrictions. When configuring a card tender, add alternative refund tenders (such as Cash) in the Return Tenders section for cases where the original card is no longer valid at the time of return.

Configuration	Example Value	Description
Prevent Tender Item Void (Debit)	Unchecked	Whether to prevent voiding a debit tender item
Prevent Tender Item Void (Credit)	Unchecked	Whether to prevent voiding a credit tender item
Prevent Transaction Void (Debit)	Unchecked	Whether to prevent voiding a debit transaction
Prevent Transaction Void (Credit)	Unchecked	Whether to prevent voiding a credit transaction
Prevent Post-Transaction Void	Unchecked	Whether to prevent post-transaction voids
Debit Tender Effect on Loyalty Points	None	Effect on loyalty points for debit transactions
Credit Tender Effect on Loyalty Points	None	Effect on loyalty points for credit transactions
Return Tenders	Cash	Alternative tenders available for refunds

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Card Tender Tab

The Card Tender tab contains card-specific settings such as cashback and card return options.

The Card Tender tab configures card-specific options. Set Cashback Tender to specify which tender is used for cashback. The Card Tender Return Option controls whether returns can be made to any card or only the original card used in the transaction.

Configuration	Example Value	Description
Cashback Tender	Cash (United Kingdom)	The tender used for cashback amounts
Disable Card Validation	Checked	Disables card validation checks
Print Separate Customer Voucher	Checked	Prints a separate customer copy voucher
Always Print Merchant Copy Voucher	Unchecked	Whether to always print the merchant copy
Card Tender Return Option	Any Card	Whether returns can be done to any card or only the original card

tip

To enable basic card tender functionality, no settings changes are necessary under Discount Restrictions, Overlap Tenders, User Limits, Change, Surcharge, or Attributes. Information regarding these additional options can be found in the full Enactor documentation.

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A separate guide covering Cash Management has been published. Cash management settings at the tender level are covered in the separate Cash Management guide.

This completes the Tender configuration.

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Card Types

Card Types define the processing rules for different card brands (e.g. Visa, Mastercard, Amex). Each card type specifies its payment scheme, authorisation rules, PIN handling, AVS requirements, and EMV settings.

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Accessing Card Types

Navigate to Card Types configuration using the Search or the path: Main Menu > Configuration > Financial > Card Types

The Card Types option opens the Card Type Maintenance page. This page lists currently configured card types.

The Card Type Maintenance page lists all configured card types. Select Create a new Card Type to add a new card type, or use the edit icon on an existing entry to modify it.

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Creating a New Card Type

Select Create a new Card Type and specify the Region, Type, Payment Merchant Id, and Card Type ID.

Set the Region, select Type as Payment Card, and enter the Card Type ID (e.g. VISA). Select Create to proceed.

Configuration	Example Value	Description
Region	All Regions	The region this card type applies to
Type	Payment Card	The built-in type classification
Payment Merchant Id	-	Optional payment merchant identifier
Card Type ID	VISA	A unique identifier for this card type

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General Tab (Card Type)

On the General tab, enter a description and select the tender type and acquirer.

The General tab defines the card type identity. Set Description to the card brand name, select the Tender created in the previous section, and choose the appropriate Acquirer if already configured.

Configuration	Example Value	Description
Type	Payment Card	The card classification (read-only)
Description	Visa	Display name for the card type
Tender	Cards (United Kingdom)	The tender type this card uses
Acquirer	WorldPay Saas Test	The payment acquirer for processing
Card Group Name	Empty	Optional grouping for card types
Display Image	-	Optional image shown on POS for this card type

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Payment Tab

On the Payment tab, configure the card scheme, transaction limits, and refund/cashback settings.

The Payment tab controls payment processing rules. Select the Card Scheme Type that matches the card brand. Set a Transaction Ceiling if desired, tick Enable Refund to allow refunds, and tick Enable Cashback with a ceiling amount if cashback is supported.

Configuration	Example Value	Description
Card Scheme Type	Visa	The card scheme for processing
Transaction Ceiling	1,000.00	Maximum transaction value (0 means unlimited)
Enable Refund	Checked	Whether this card type accepts refunds
Enable Cashback	Unchecked	Whether cashback is supported
Cashback Ceiling	50.00	Maximum cashback amount
Card Identity Token Required	Checked	Whether a card identity token is required
Force ICC to Magstripe Processing	Unchecked	Forces chip cards to use magstripe processing

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Actions Tab

The Actions tab configures how non-conforming transactions are handled. Each exception can be set to always accept, always reject, or require an online connection to the host.

The Actions tab defines how the system handles transaction exceptions. Set each action to Accept, Reject, or Online Only based on your business requirements.

Configuration	Example Value	Description
Keyed Sale	Accept	Action for manually keyed sale transactions
Keyed Refund	Accept	Action for manually keyed refund transactions
Cardholder Not Present	Accept	Action when cardholder is not present
ICC Fallback To MSR	Online Only	Action when chip card falls back to magstripe
Expired Card	Online Only	Action for expired cards
Expiry Limit Exceeded	Online Only	Action when expiry limit is exceeded
Pre-Valid Card	Online Only	Action for cards not yet valid
Invalid PAN	Online Only	Action for invalid card numbers

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Authorisation Tab

The Authorisation tab defines the business policy and acquirer requirements for handling the card type, including floor limits, fallback limits, and reversal settings.

The Authorisation tab controls floor limits, fallback limits, and online processing requirements. Configure limits according to your acquirer's requirements. Tick Online Refund Authorisation and Online Reversal as required by your payment processor.

Configuration	Example Value	Description
Debit Floor Limit	Empty	Floor limit for debit transactions
Debit Fallback Limit	0.00	Fallback limit for debit when offline
Debit Offline Mode Fallback Limit	50.00	Maximum offline debit amount
Credit Floor Limit	0.00	Floor limit for credit transactions
Credit Fallback Limit	50.00	Fallback limit for credit when offline
Cashback Floor Limit	50.00	Floor limit for cashback transactions
Online Refund Authorisation	Checked	Requires online authorisation for refunds
Online Reversal	Checked	Enables online reversal of transactions

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Any changes made on the Authorisation tab will be specific to retailer and acquirer requirements. A complete explanation of these fields can be found in the full Enactor documentation.

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Online PIN Tab

The Online PIN tab specifies PIN handling requirements for the card type, including PIN type, length, and bypass options.

The Online PIN tab defines PIN verification requirements. Set Online PIN Type to the required method (e.g. Online PIN only, Online PIN + Signature, or None). Specify the minimum and maximum PIN Length.

Configuration	Example Value	Description
Online PIN Type	Online PIN only	The PIN verification method (None, Online PIN only, Online PIN + Signature)
Online PIN Length Min	4	Minimum PIN length
Online PIN Length Max	6	Maximum PIN length
Enable Online PIN Bypass	Unchecked	Whether signature fallback is allowed when PIN entry fails

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AVS Tab

The AVS tab specifies Address Verification System security provisions for the card type. These options control when the card security code and customer address are collected during card processing.

The AVS tab controls card security code and address verification. Tick Capture Card Security Code for CNP to require the CVV for cardholder-not-present transactions. Set the Card Security Code Length (typically 3 for Visa/Mastercard). Configure address capture options based on your acquirer's requirements.

Configuration	Example Value	Description
Capture Card Security Code for CNP	Checked	Captures CVV for cardholder-not-present transactions
Capture Card Security Code for Keyed	Unchecked	Captures CVV for manually keyed transactions
Capture Card Security Code for Swiped	Unchecked	Captures CVV for swiped transactions
Allow Empty Card Security Code	Unchecked	Whether an empty CVV is accepted
Card Security Code Length	3	Expected length of the card security code
Capture Address for Cardholder Not Present	Checked	Captures address for CNP transactions
Capture Address for Keyed	Unchecked	Captures address for keyed transactions
Allow Empty Address	Checked	Whether an empty address is accepted
AVS Configuration	Standard AVS Configuration	The AVS configuration profile to use

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The values for AVS options will be driven specifically by the retailer's business rules and the acquirer's processing requirements.

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ICC1 Tab

The ICC1 tab contains EMV chip processing settings. These attributes are specified by the issuer and acquirer.

The ICC1 tab defines EMV chip processing parameters. Set the Application Identifier, Terminal Action Codes, and EMV Acquirer Identifier as specified by your acquirer. Tick Enable PIN Bypass if signature fallback is supported.

Configuration	Example Value	Description
Application Identifier	A0000000031010	The EMV Application Identifier (AID)
Application Version Number	0096	The application version number
AID Partial Matching	Unchecked	Whether partial AID matching is enabled
Terminal Action Code Default	DC4000A800	Default terminal action code
Terminal Action Code Denial	0010000000	Terminal action code for denial
Terminal Action Code Online	DC4004F800	Terminal action code for online processing
EMV Acquirer Identifier	11	The acquirer identifier for EMV
Enable PIN Bypass	Checked	Allows PIN bypass (signature fallback)
Default TDOL	9F3704	Transaction Data Object List
Default DDOL	9F02065F2A029A039C0195059F3704	Dynamic Data Object List

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ICC2 Tab

The ICC2 tab contains additional EMV settings for offline processing and random selection.

The ICC2 tab configures EMV offline processing limits and random transaction selection for online authorisation. Set fallback limits and action codes as specified by your acquirer.

Configuration	Example Value	Description
ICC Debit Floor Limit	Empty	ICC floor limit for debit transactions
ICC Debit Fallback Limit	0.00	ICC debit fallback limit
ICC Debit Offline Mode Fallback Limit	50.00	Maximum offline ICC debit amount
ICC Action Above Fallback Limit	Seek Voice Authorisation	Action when above the fallback limit
ICC Action Below Fallback Limit	Normal EMV Rules	Action when below the fallback limit
Random Threshold Value	400	Threshold for random online authorisation selection
Random Target Percentage	10	Target percentage for random selection
Random Max Target Percentage	99	Maximum percentage for random selection

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ICC1 and ICC2 settings are specific to EMV processing. These attributes will be specified by the issuer and acquirer and will be covered in more detail as part of the payment processing setup guide.

This completes the Card Type configuration.

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IIN Ranges

IIN Ranges (Issuer Identification Number) define the card number prefixes that identify each card type. Once a card type has been defined, IIN ranges must be established so that the card type can be identified when a card is presented at the POS.

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Accessing IIN Ranges

Navigate to IIN Range configuration using the Search or the path: Main Menu > Configuration > Financial > IIN Ranges

The IIN Ranges option opens the IIN Range Maintenance page.

The IIN Range Maintenance page lists all configured IIN ranges. Select Create a new IIN Range to add a new range for a card type.

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Creating a New IIN Range

Select Create a new IIN Range and specify the Range Start, Range End, Minimum PAN Length, and Maximum PAN Length.

Enter the Range Start and Range End values defining the IIN range (up to 15 digits). Set the Minimum PAN Length and Maximum PAN Length to accommodate the card number range. Select Create to proceed.

Configuration	Description
Range Start	The starting IIN prefix for this range (up to 15 digits)
Range End	The ending IIN prefix for this range (up to 15 digits)
Minimum PAN Length	Minimum card number length (0-99)
Maximum PAN Length	Maximum card number length (0-99)

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General Tab (IIN Range)

The General tab controls identification and usage features of the IIN range.

The General tab identifies the IIN range. Set the Card Description and Issuer Description for easy identification. Select the Payment Card Type created previously. Specify the Embossed Digit Group Lengths, Country, and Currency.

Configuration	Example Value	Description
Card Description	Visa	Display description of the card
Issuer Description	Visa	Description of the card issuer
Payment Card Type	VISA	The card type this IIN range maps to
Embossed Digit Group Lengths	4,4,4,4	The grouping pattern for the card number
No LUHN Check Digit	Unchecked	Disables Luhn check digit validation
Expiry Date Limit Check	Unchecked	Whether to validate the expiry date
Country	United Kingdom	The country associated with this IIN range

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Track Data Tab

The Track Data tab specifies where specific data can be found on the magnetic stripe reader (MSR).

The Track Data tab specifies magnetic stripe data locations. Unless a different scheme has been provided by the card issuer, use the standard values for PAN Attributes, Expiry Date Attributes, and Service Code Attributes.

Configuration	Track	Start	Length	Keyable	Description
PAN Attributes	2	2	16	Checked	Card number location on track data
Expiry Date Attributes	2	19	4	Checked	Expiry date location on track data
Start Date Attributes	0	0	0	-	Start date location (if applicable)
Service Code Attributes	0	0	0	-	Service code location (if applicable)

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An IIN range can be defined for many different kinds of cards including payment, cheque guarantee, loyalty, employee, gift card, and others. The type of card is specified on the Applicable Cards tab. A regular payment card would be marked as Payment Card, but a combination debit card (e.g. Visa-Debit) may be marked as both Payment Card and Cheque Card.

This completes the IIN Range configuration.

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Tender Menu

The creation and setup of the POS menu structure is covered in a separate guide. This section focuses on creating and setting up a Tender menu within an existing menu structure to add a card payment button.

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Accessing Menus

Navigate to Menu configuration using the Search or the path: Main Menu > Configuration > System > Menus

The Menus option opens the Menu Maintenance select page. This page lists currently configured menus.

The Menu Maintenance select page lists all configured menus. Select Create New Menu to add a new tender menu, or edit an existing menu to add a card tender button.

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Creating a New Tender Menu

Select Create New Menu and configure the menu identity fields. For a new tender menu, set the Menu Set to POS, select the Role (typically Sales Assistant), and choose the Menu Group.

Set Menu Set to POS, Role to Sales Assistant, and select the appropriate Menu Group. Set Menu ID to Tender and select Create.

Configuration	Example Value	Description
Menu Set	POS	The menu set this menu belongs to
Role	Sales Assistant	The user role that will access this menu
Menu Group	Default Standard POS	The menu group containing this menu
Menu ID	Tender	A unique identifier for this menu

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Adding a Card Tender Button

Once the menu is created, click Add... and select Add a new Button to add a card tender button.

In the menu editor, click Add... and select Add a new Button to create a new tender button for card payments.

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Button General Tab

On the button General tab, set the Event to Card Tender and configure the button label and visibility.

On the General tab, select Event as Card Tender. The Button Label or Button Message Id determines what the cashier sees on the POS menu.

Configuration	Example Value	Description
Type	Event	The button type
Event	Card Tender	The event triggered when the button is pressed
ID	CardTender	Internal identifier for the button
Button Message Id	CARD	The message ID used for the button label
Button Message Base	Pos/Tender/TenderMessages	The message resource base path
Visibility Expression	Privilege and tender check	Controls when the button is visible

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Button Data Tab

On the Data tab, add the tender ID data item that links this button to the card tender created earlier.

On the Data tab, add an item with Name set to enactor.mfc.TenderId, Java Type set to String, and Value set to the Tender ID of the card tender created previously (e.g. CARD_UK). Click Add after entering the values.

Configuration	Example Value	Description
Name	enactor.mfc.TenderId	The data item name identifying the tender
Java Type	String	The data type
Value	CARD_UK	The Tender ID of the card tender created in the Tenders section

This completes the Tender Menu configuration.

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Broadcasting

After completing all configuration steps, the following entities must be broadcast to deliver the configuration to the POS:

• Tenders - the card tender configuration
• Card Types - all card type definitions
• IIN Ranges - the IIN range mappings
• Menus - the updated tender menu with the card payment button

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All configuration changes must be broadcast to the POS before they take effect. Use the Broadcasting function in Estate Manager to broadcast each entity type to the appropriate locations.

This completes the card payment configuration.

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