VeriFone VX675 - Electronic Fallback Procedure; Electronic Fallback Process; Floor Limits

VX675 MERCHANT OPERATING GUIDE 49
ELECTRONIC FALLB ACK PROCEDURE 5.11
The Electronic Fallback (EFB) function is available on your EFTPOS Terminal.
EFB is the ability to continue processing transactions through your terminal, when communication to
the BOQ host system has been lost or the cardholder’s card issuer is unavailable. When either of
these communication failures occur the EFB function is automatically enabled. Some Card Issuers
will not allow transactions to be processed under these circumstances and the terminal will prompt
you accordingly.
When the terminal is in EFB mode, the transactions are stored within the terminal. Once
communication has been restored, the terminal forwards the stored transactions for processing.
If the terminal is in EFB mode at time of Close Batch (settlement), BOQ will automatically pick up and
process the online transaction and the stored offline transactions will be included in the next online
Close Batch (settlement) the following business day.
EFB transactions that occur prior to Close Batch can result in a difference between the value shown
on your Close Batch receipt and the value processed to your settlement account. If this occurs any
EFB transaction value will automatically be included in your next settlement processed to your
nominated settlement account.
ELECTRONIC FALLBACK PROCESS 5.12
When your terminal is in Electronic Fallback mode, there will be some differences in the way the
transaction is processed to transactions that are processed online.
When a transaction is processed online an authorisation is automatically obtained. During Electronic
Fallback mode the authorisation is obtained in two (2) different ways depending on the value of the
transactions:
- Below floor limit; and
- Above floor limit
BOQ has pre-set floor limit values in your terminal as mandated by the Card Schemes Rules &
Regulations.
FLOOR LIMITS 5.13
BELOW SET FLOOR LIMIT
- The terminal will process the transaction as per usual.
- All transactions processed during EFB mode will require cardholder signature.
ABOVE SET FLOOR LIMIT
Credit Card Transactions
The terminal will prompt you to call for an authorisation by showing you the authorisation number to
call on the terminal screen, e.g.