The Flow of a Transaction and Charges Involved for Payment Terminal

When a card payment has been made on a payment terminal the card information including the card number (or PAN known as primary account number) is captured by the terminal device and encrypted before being sent off for processing. Where dialup is being used the transaction will be sent directly to the acquirer, where IP connectivity is being used (mobile or broadband) it is sent to the gateway and converted to X25 (the technology used by the acquirers) before being sent to the acquirer. Return responses are then passed back through the chain to the device where the result is presented to the consumer and the merchant.

Most terminals supplied by NetPay will use what is known as APACS40. APACS40 simply means the transaction is authorised and settled with the bank at the time of being requested. Traditionally many terminals have used APACS30/29. APACS30/29 is when the transaction as has been authorised (APACS30) but is not settled immediately (the money is authorised but not effectively debited). All transactions from that merchant are stored and then settled usually overnight (APACS29).

Data regarding the transaction is fed back to NetPay for reporting purposes from the acquirer. The data that is retrieved does not include sensitive information that is subject to compliance such as the card number or PAN.

Charges Involved

The following tables detail the charges involved for a payment terminal that a merchant would receive when setting up services through NetPay.

If you want to find out more information about what NetPay charges for these fees, please get in touch with our sales department on 0333 311 0200. They will talk you through our charges and any further questions you may have.

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