14. Electronic Fallback (EFB) Processing
Electronic Fallback Processing (EFB) allows you to process Transactions using your
terminal when:
• A communications time-out occurs
• The number the terminal dials is busy or
• The Card Issuer is not available.
The Transactions are stored in the terminal and are trickle-fed for processing once the
terminal communications lines are restored. If your terminal is rendered inoperable,
you will be able to continue processing Transactions using the Imprinter for Manual
Processing (refer to section 15.1).
Please note that it is at the Card Issuer’s discretion as to whether they allow
Transactions to be processed on that card whilst a terminal is offl ine. Many Card
Issuers do not allow for processing of debit cards when a terminal is offl ine due to the
inability to check for a PIN.
You will know the terminal is offl ine when the following occurs:
• The terminal will request an Authorisation Number before processing a Transaction.
You will need to call the appropriate Authorisation Centre for a manual authorisation
• A signature is requested on a credit or debit card Transaction
• The letters EFB are printed on the Merchant Copy of the Transaction Record.
For each Transaction, the terminal will check to see if it is online again. Once online,
the stored Transactions will trickle through for processing on the back of other
Transactions.
The terminal has the capacity to store 100 EFB Transactions. For any EFB Transactions
attempted thereafter, the terminal will display an “EFB DISALLOWED” message.
If a card is swiped, you MUST phone for Authorisation if an Authorisation Code is
requested via the terminal (refer to section 1.3).
NOTE: When processing a Chip Transaction in Fallback mode, the Chip Card may choose to decline the
Transaction as it may have specifi c protection software programmed onto its chip. Please request an
alternative method of payment.
How to Process a Cheque or Savings Purchase Transaction in EFB
Perform card security checks then swipe or insert
the cardholder’s card. (Magnetic Stripe cards are to
be swiped through the Magnetic Stripe Card Reader
whereas Chip Cards are to be inserted and left in
the Chip Card Reader.)
01/01/2005 12:08
SWIPE OR
INSERT
CARD
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