External vs Integrated: What Is the Difference?

Money is easy to deal with, but now everybody pays with plastic. We provide a two distinct methods of processing cards. Hopefully this might help you decide which method is right for you and your organization!

The first, and our favorite, is integrated payments. If a merchant provider can integrate with ConnectPOS, our system can capture and record card information that range from the type of card has been swiped to the cardholders name. Don’t worry! All sensitive information remains locked away behind your merchant suppliers method of security.

Speak to an ConnectPOS representative to find out if your merchant provider is an integration partner.

Is your merchant provider not listed as an alternative? You can still use them to process transactions! Our second solution is external card processing. External card processors aren’t integrated. This means that all the card information will be processed out of ConnectPOS. When picking external card payments, the only data accumulated by the Point of Sale is what can be put in manually. So as to seek credit card sales and information, you’ll have to access your merchant suppliers site. Below is our step by step procedure for both incorporated and non-integrated payments.

What’s the Practice of Integrated Payments?

  1. Upon picking”Pay by Card,” EPRLY will send send over the revenue information to your credit card terminal.
  2. The customer will insert or swipe their card from the card reader.
  3. The card reader will send the data gathered from the card to the merchant processor. This information is encrypted and not obtained by ConnectPOS.
  4. The Merchant Processor will send back if the card is approved or declined.
  5. If approved, the transaction will process and notify ConnectPOS upon completion.
  6. ConnectPOS will then print out a receipt.
  7. If dropped, the credit card terminal will notify ConnectPOS to not complete the sale, and another payment method is necessary.
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What payment information is logged in ConnectPOS for Integrated Payments?

  • Last 4 digits of Card Number
  • Card Type (VISA, AMEX, MC, etc)
  • Cardholder (Name on card)
  • Approval Code (Match transaction in ConnectPOS into Processor)
  • Reference Number (Match transaction in ConnectPOS to Processor)

What’s the Procedure for Non-Integrated (standalone/external) Payments?

External Payments imply that ConnectPOS is simply logging the fact that a sale took place and it was paid via card. The whole card payment process is handled by the credit card terminal and the merchant chip outside ConnectPOS.

  1. Upon picking”Pay by Card,” ConnectPOS palms over the whole payment process into the credit card terminal and prints out a receipt.
  2. The client will insert or swipe their card from the card reader.
  3. The card reader will send the data gathered from the card to the merchant processor.
  4. The Merchant Processor will send back if the card is approved or declined.
  5. If approved, the credit card terminal will continue with the procedure and, if available on the hardware, then print out a receipt.
  6. If dropped, the credit card terminal will notify the customer to swipe again or use another card.

Note: If using an outside payment method, it’s suggested that the option”Require card type on outside apparatus” is checked. By using this option, an extra step is set in place for verifying external card sales, and information can be logged in ConnectPOS.

What payment information is logged in ConnectPOS for Integrated Payments?

By default, no card information is logged when using external payments. ConnectPOS is logging that a sale took place and the payment type was the card.

  • Sale took place
  • Payment type (Card)
  • Card Sort (Must toggle”Require card type on outside apparatus” for it to be logged. Manual entry required.)
  • Authorization Code (Must toggle”Require card type on outside apparatus” for this to be logged. Manual entry required.)
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