All about Ingenico payment processing

Chase™ integration is available to our US customers, and makes credit and debit transactions quick and easy in Ascend. When you pair that with the Ingenico iSC Touch 250 payment terminal, you can rest easy knowing your sales are secure.

The Ingenico also allows your customers to take back some control, giving cashiers a bit more time to focus on ringing up products and top-notch customer service.

Typical transaction workflow


Once you open a transaction, the Ingenico terminal will display a please swipe or insert card message and the customer can slide or insert their card at any time during the transaction - even if the cashier is still ringing up products.

1. Create a new sale in Ascend.
2. Find and attach the customer name to the transaction.
3. Scan the customer's products into the transaction.
4. select either the Credit or Debit payment icon. Don’t worry about making the wrong choice - your Ingenico terminal will automatically prompt the customer correctly.
5. Confirm the amount in the pop-up window.
6. Select the Take Payment button.



The customer can take over from here. Assuming the customer follows the steps below, the payment is verified, sent to Paymentech, and completed. 

If you charged the entire transaction balance, you’ll be taken to the No Change Due window in Ascend, where you can select receipt options.  

Paying with the Ingenico terminal


The Ingenico terminal will display a please swipe or insert card message once the transaction is created. The customer can slide or insert their card at any time during the transaction - even if the cashier is still ringing up products.   



Customers can select between English or Spanish on this screen by selecting the word bubble icon on the lower right, using the stylus or their finger.  



Once they're ready, they can insert or slide their card.

If the customer accidently slides a chip card, the Ingenico will tell them to insert it instead. And vica versa for inserted cards without chips.

Once the Ingenico registers the card, the customer will have to select either Credit or Debit



Once the card type is verified by the Ingenico terminal, the customer paying with a debit card can key in their pin and then hit the green Enter button.

Customers using credit cards may be prompted to digitally sign on the Ingenico terminal (if they are making a qualifying payment with their credit card).

For both credit and debit, the terminal will ask them to confirm the amount being charged. If they hit No, a customer declined amount message will show in Ascend, to give you a chance to correct the sale.

Otherwise, hitting Yes will process the card for the total shown.

Signature Receipt Options in Ascend


You should check out the signature receipt options in Ascend if you haven’t already.

Navigate to Options > Payment Processing to select between:
  • Print Signature Receipt with the Digital Signature
  • Only Save Digital Signature (and not print it on the receipt)
You’ll notice that the Print Signature Receipt option is greyed out. This happens when the Ingenico device is enabled, to help avoid lost or damaged physical receipts.


Print a copy of a receipt with a digital signature


Ascend stores digital signatures for one year from the capture date and you can easily reprint them, if needed.

1. Go to Database Explorer > Sales to find your sale. 
2. Once you find the sale, highlight it.
3. Click Payments in the lower grid.
4. Right-click the credit card payment.
5. Select Print Signature Receipt from the dropdown menu.

Manual payments


Once you select either the Credit or Debit payment type in a sale, a pop-up window appears. You could select the Manual icon here, if needed. 



If your Ingenico device is disconnected, you will be taken directly to the manual Payment screen where you can manually enter a customer’s card information.



Just remember! if you’re manually entering a Credit or Debit card, you are skipping security features in both customer’s card and your payment terminal

While useful in an emergency or with customers who you know and trust, manually entered payments will make you liable for any fraudulent activity. You may also incur additional merchant fees for that sale.  

FAQs


Q: How can I trigger the payment for EMV cards?

A:  Make sure the chip card is fully inserted! Sometimes people accidently don't insert them fully. 


Q: Why is the Ingenico telling the customer to choose from different Debit options? What if they swiped a Credit Card?

A: After a customer swipes their card, the screen might prompt to select from several “Debit” options, even if it’s a credit card. These options are populated by the customers bank based off of information on the specific card the customer is using. It is their bank’s job to let them know which option does what.

For example, they might see Visa Debit and US Debit. VISA Debit transactions occur over VISA’s specific network, like a credit transaction, while US Debit transactions occur over the specific bank network as a debit transaction.


Q: What causes a 'Void Approved' (AKA when a chip card returns an error that the payment cannot be processed, prints a receipt with VOID APPROVED at the top, and displays the payment in red in Ascend)?

A: This isn’t a bug in Ascend – it’s actually expected behavior for a (generally) unusual circumstance!

When an EMV payment is taken, there are two parts to the processing. 

First, the encrypted card information is sent through Chase™ to the respective issuer of the card to ensure the account is active, has a sufficient balance available, etc. – if the card isn’t declined during this initial processing, Chase™ returns a conditional approval to Ascend.

Then it’s the chip’s turn, and it gets the final say. 

If there’s a problem reading the data from the chip, the information returned from the initial processing doesn’t match what the chip’s expecting, or data loss occurs due to an unstable Internet connection, the payment is declined and voided. 

If the customer has access to their bank/card balance via website or smartphone app, they may still see this voided charge as an “authorization request” or hold until it’s released in 24-48 hours (depending on the bank), but the card won’t actually be charged.

If the problem was due to a loss of data during transmission, you may be able to simply re-run the payment without issue. 

Additional Resources


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