Point-of-Sale Merchants

Sale

Running a sale on a POS device initiates the authorization side of the transaction. To begin a sale, your customer may offer a card for payment in one of three ways:

• By inserting a chip card into the dip slot at the front of the device or PIN pad.
• By swiping the card through the magnetic stripe reader.
• By tapping a contactless card or phone.

Learn how to complete a transaction on your Clover device.

Void 

A void is a type of refund that is done before a transaction is settled.

Refer to the instructions below to void a transaction prior to closing the batch.

Learn how to void a transaction on your Clover device.

Refund 

If a transaction has already settled and you need to refund the cardholder, your only option is to perform a refund.

Refer to the instructions below to refund a transaction from a closed batch.

Learn how to refund a transaction on your Clover device.

Batch 

A batch is a single submission to the merchant bank of a group of transactions (sales and credits) for settlement. A batch usually represents a day's worth of transactions. 

Refer to the instructions below to settle the batch manually.

Learn how to close out batch on your Clover device.

Offline 

When the internet connection is down or weak, you can continue to take payments up to a pre-authorized limit, by enabling the offline payments option. When a connection becomes available, the Clover device automatically submits offline payments for authorization. Once authorized, you receive the funds and customers receive receipts. Please refer to Clover help center for more information on getting funded for offline transactions.

Please note that when you take an offline payment, you assume the risk of a declined transaction when the device is back online up to the limit you have pre authorized for each transaction. For example, if a credit card is expired or canceled, or if the PIN is incorrect, the payment will be declined once back online. If a payment is over the limit it will be declined in the offline status at the time the card is presented.

There is no way of validating an offline transaction. It is ultimately your business decision whether you allow offline payments or not, and how much the limit should be. Sometimes it is better to capture an offline transaction versus not to capture payments at all.

Network Connectivity 

Depending on the model types, POS equipment usually connects over a secure analog dedicated phone line, cellular network, secured Wi-Fi, open Wi-Fi (for P2PE only) or Ethernet. For merchants using Clover devices, you can choose any of these methods to securely connect your devices to the internet with:

• AT&T cellular connection through the device's mobile SIM card
• Personal hotspot through your mobile device with required password
• Off-campus secured Wifi such as hotel or event venue with required password
• Ethernet cable that you plug in from a router to the device. Please contact MS for setup instructions.
• On-campus “eduroam” WiFi with instructions. Merchants can connect to the secure network “eduroam” WiFi option available on the Stanford campus. MS asks that the merchant: 
  • Assign a device manager who has a SUnet ID who will be responsible for the device. Only a Stanford stakeholder with a SUnet ID may access the eduroam WiFi network. Have the device manager log in to Eduroam using their credentials, using Clover Flex Connection instruction.
  • If needed, sponsor a base SUNet ID for the person, if they are not already part of Stanford. 
  • Ensure that anyone who will handle the credit card transaction complete the PCI compliance training, including casual, temp, student workers, and/or third-party vendors.

Signatures

Visa no longer requires signatures on EMV chip cards. But signatures are still required if cards are swiped. Visa updated requirements to reduce friction at the point of sale, and clarified merchants' responsibility for verifying cardholders with the following changes:

• Merchants no longer need to check security features on the chip card.
• Merchants no longer need to verify that the signature on the receipt matches the one on the chip card.
• Merchants no longer need to treat chip cards with unsigned/blank signature panels differently from other transactions.
• Merchants must not refuse payment based on how the payment is presented. For example, a contactless-capable merchant cannot choose to accept near-field communication-enabled mobile devices without accepting a physical contactless-enabled card.

Merchants may also stop seeing a signature panel on the back of a MasterCard because cards with chips eliminate the need to compare signatures. The three-digit security code will remain.

EMV/Contactless 

EMV stands for Europay, MasterCard and Visa, a global standard for inter-operation of integrated circuit cards (IC cards or chip cards). EMV cards or chip cards are a more secure form of payment for customers. EMV-enabled equipment allows customers to dip their cards instead of swiping. The chip on the card encrypts card information, so it’s more difficult for thieves to steal cardholder data. 

POS merchants who use EMV-capable equipment can process contactless payments using Near Field Communication (NFC) technology. Both contactless card and mobile wallet (e.g., Apple Pay) enabled smartphones to communicate payment information directly when hovering closely over the NFC-enabled POS equipment.

Benefits of Contactless Payments:

• Fast: Enables faster and more convenient transactions
• Secure: Transactions are protected by encryption technology and minimize fraud
• Safe: Avoids physical contact with the POS device

Set Up Support

Below are quick reference guides for Clover devices available through Wells Fargo. 

• Clover Flex Set Up GuideClover
• P2PE Implementation Manual 

If you have additional questions concerning your setup, please contact the Wells Fargo help desk at 800-622-0842 or visit the Online Clover Help Center.

MS recognizes that some departments may only have a temporary need for accepting credit or debit card payments; therefore, MS created a POS equipment program where departments can temporarily check out a mobile card machine. The rental program is only for Stanford-sponsored events and all funds will first be deposited to the Office of the Treasurer's bank account, then transferred into departments’ PTA on a monthly basis.

Rental Device Option

• If you need up to three devices, you can rent Clover Flex from MS.
• If you need more than three devices, MS will help you contact Wells Fargo.

Pricing

• Processing Fee: 2.5 to 3 percent of amount transacted.
• PCI fee: 0.8 percent of amount transacted .

Steps

Overview

A SREDKey (secure reading and exchange of data) is an encrypted keypad with an LCD and an encrypted MagStripe reader that offers merchants  a complete and reliable security solution that meets the PCI-PTS certification. The keypad enables you to enter card data and plugs into any computer via a standard USB port. The SREDKey ensures all data transactions are protected through secure point-to-point encryption (P2PE) reducing fraud and data compromises.

One device can be used by various people or across multiple accounts. SREDKeys will be configured for Stanford’s environment as a whole, so they can be shared within units, provided that those using the keypad are all granted proper permissions on the Cybersource virtual terminal back end (Merchant Services will assist with this).

Learn about costs, benefits, ordering and set up procedures for an Encrypted Keypad for Virtual Terminal.

Receipt Paper Orders 

If you use Wells Fargo POS equipment (Clover), call the Wells Fargo help desk at 800-622-0842, Monday to Friday, 5:00 a.m. to 6:00 p.m. PST to order receipt paper. You will need to have the following information prior to making your call:

• Merchant ID number 
• Merchant name
• Merchant address

If you have POS equipment from another third party vendor, contact that vendor for ordering instructions.

Purchases

For existing merchants, if their POS equipment has stopped working, reached its end of life or they need an additional device, please submit a Support Request to MS to order a new or additional device. MS facilitates the ordering of the new Clover equipment through Wells Fargo. The equipment is owned by, and therefore the responsibility of each merchant that purchased it.

Software Updates

Periodically, merchants should refresh their equipment to maintain compliance and ensure the latest software is updated.

Cleaning

POS merchants are encouraged to clean and disinfect their card reader devices, kiosks and vending machines frequently. 

Tips for a cleaner payment experience:

For merchants using Clover devices, please follow the instructions specific to cleaning a Clover device.

Inspection

Pursuant to the Payment Card Industry Data Security Standard (PCI DSS) requirement 9.9, which states, merchants accepting face-to-face and/or MOTO card payments via a physical POS device are required to:

• Maintain an up-to-date inventory of the equipment.
• Periodically inspect the equipment to ensure they are operating as intended.
• Train personnel to be aware of suspicious behavior and to report tampering or substitution when it occurs.

MS provides the POS Equipment Inspection Guidance to help merchants better comprehend the expectations of this requirement and implement appropriate processes to comply with industry standards.

Disposal

If you have any unused Clover POS equipment that you wish to dispose of, follow the steps below to ensure any stored data is erased.

• Call Wells Fargo help desk at 800-622-0842 and request that the data for the equipment number provided be erased. They will walk you through the steps.
• Contact Surplus Property Sales (SPS) to arrange a time for pick-up.