General Debit/ATM Card Guidelines

Take Payment by Debit/ATM Card | Merchant Service Overview

This topic applies to users of the QuickBooks Desktop POS Merchant Service. What if I use another Service?

Transaction Fees

The QuickBooks Desktop POS Merchant Service does not support the collection of transaction fees on debit/ATM payments.

What is a PIN Debit Transaction?

There are two ways a customers debit/ATM card can be accepted for payment:

- PIN Debit transactions, which require the use of a PIN pad, take payment directly from the cardholders associated bank account and allow cash back. The help topics for taking payment by debit/ATM apply to this type of transaction.

- Processing the customers debit/ATM card like a credit card, which does not require the use of a PIN pad and does not allow cash back. Typically, the card must display a credit card logo (e.g. Visa, MasterCard) to be used this way. Process these transactions using the credit card procedure.

Canceling or Reversing PIN Debit Payments

PIN debit payments, if already authorized, cannot be deleted from the receipt, nor can the receipt be canceled or voided. The money has already been debited from the cardholder's bank account.

If the receipt has not yet been saved, the cashier can manually enter an equal amount by another payment method and refund the debit amount to the customer as change (cash suggested).

If the receipt has been saved, it can only be reversed or a return receipt made. Reversing a debit receipt does not create a credit back to the customers bank account. When you reverse a debit receipt, the change is automatically assigned to cash. If you want to refund the money to the customer by another method, create a return receipt instead and select any other change type.

Debit Card Batch Settlement

Although debit card transactions are authorized and the cardholders bank account debited immediately, funds are not transferred to your bank account until the transactions are sent to the processor by running the End of Day procedure and settled.

Related Topics

Protect your customers' payment card data