Epicor and Element have collaborated on a solution that supports both the Chip & PIN credit card processing and the Interac PIN Debit using a Verifone device connected to First Data Canada through the Element Express platform. A chip & PIN credit card contains a microchip for processing in addition to the magnetic strip. The solution uses a special TriPOS application and device to interface between the Eclipse application and the Element processing platform. The TriPOS device is designed to process the Chip & PIN transactions and supports processing of domestic and Canadian debit and credit transactions through the Element Payment Services Express platform.
The TriPOS payment processing application accepts requests from business management software suites for processing end-to-end financial transactions through the Express platform:
The following sequence details the interactions that take place between the different components during a typical payment transaction with TriPOS:
Eclipse sends a payment request to the TriPOS payment processing application: a service running on the local PC at the counter.
TriPOS interfaces with the PINpad to obtain the card information, manages cardholder selection of options and verification, then retrieves the EMV tags or tokens required to complete the transaction.
If necessary, TriPOS sends the transaction to the Express platform to be forwarded to the card-issuing bank for approval.
After receiving a response from the Express platform, TriPOS proceeds with final validation of the transaction with the PINpad.
TriPOS generates the merchant and cardholder receipts. TriPOS then returns a complete response to Eclipse, including the receipts.
Eclipse creates a payment in the Totals tab and prints the receipts on the Ship Ticket and Invoices form returned by TriPOS.
Note: If you use Eclipse Forms, the system prints the receipt received by TriPOS on your form in the standard receipt location.
Use the Canadian Chip & PIN Installation and Configuration to set up your system to interface to the Express platform using the TriPOS payment processing application in order to support card present and Chip & PIN (EMV) transactions. TriPOS uses the local TCP/IP socket connection to process payments. TriPOS accepts an XML-formatted request message and returns an XML-formatted response. The XML format of a TriPOS message is similar to that of the Express platform.
The system handles credit card and debit card transactions equally. The only requirements are the credentials passed by Element Payment Services and the application identifiers.
For information about how the Eclipse system interfaces with the Chip & PIN device, see Using the Canadian Chip & PIN Interface.
Note: Content within the Canadian Chip & PIN documentation used with permission from Element Payment Services, Inc.