Methods of Payment
Method of Payment (also known as "MOP") are used to complete transactions.
Overview
Method of Payment (also known as "MOP") are used to complete transactions. Methods of Payment identify the amount and type of payment to the system and based on that payment type, allows the system to apply the appropriate MOP-specific rules and restrictions.
As a result, MOP behavior on your system may vary due to its specific configuration settings (minimum amounts, whether the amount must be entered, etc).
Using Methods of Payment
Examples of MOP include:
Cash Payment
Check Payment
Credit Card Payment
Debit Card Payment
In-House Payment
Lottery Ticket Cash-In
Lotto Ticket Cash-In
Food Stamps Payment - Electronic
Coupon Payment/Redemption (Standard)
Coupon Payment/Redemption (Non Tax)
Drive Off
In general, completion of a transaction follows this process:
Press [TOTAL](if required)
Key (if required)
Key the appropriate MOP
If total amount tendered < amount due, system apples the payment, recalculates the remaining amount due and displays to customer and clerk
If total amount tendered >= amount due, system applies the payment, completes the transaction and calculates any change that may be due back to the customer
Cash Payment
Press **[TOTAL]**if required
Key ****if required
Touch or press [CASH]
Several quick keys may have been configured on your workstation to save keystrokes when accepting CASH payment.
The quick keys include:
**Next Dollar:**Assumes the next dollar amount (customer presents $17 for a sale totaling $16.54)
**Exact Change:**Assumes amount presented = amount due
**$1, $5, $10, $20, $50:**Assumes customer presented the indicated bill denomination
Check Payment
Press **[TOTAL]**if required
Key the face value of the check
Touch [CHECK]
Change can only be given if the MOP is configured to allow change.
Credit Card Payment
Press **[TOTAL]**if required
Touch or press [CREDIT]
Follow directions on the screen
On completion, present receipt for signature if prompted
Debit Card Payment
Press **[TOTAL]**if required
Touch or press [DEBIT]
If cashback is configured, additional prompts are displayed
Follow directions on the screen
In-House Payment
Press **[TOTAL]**if required
Touch or press [IN-HOUSE]
If a list of In-House accounts are displayed, select the appropriate In-House account number from the list or enter the account number
Lottery Ticket Cash-In
Key the dollar amount of the winning ticket
Touch [LOTTERY]
Typically used for cashing in winning scratch out tickets. When configured for "Allow without Sale", permits for cash in without purchase.
Lotto Ticket Cash-In
Key the dollar amount of the winning ticket
Touch [LOTTO]
Typically used for cashing in winning online tickets. When configured for "Allow without Sale", permits for cash in without purchase.
Food Stamps Payment - Electronic (EBT Food Stamps, EBT Cash Benefits)
Food Stamps are also called SNAP (Supplemental Nutrition Assistance Program). MOPs for EBT, EBT_FS and Manual_EBT_CB must be created using the built in EBT MOP codes to accept these methods of payment.
Press [TOTAL]
Press [Credit]
Refer to Configuring MOP Codes for more information on how to configure the built in MOP codes.
After MOP entries are configured as EBT Food Stamp and/or EBT Cash Benefits, pressing the Credit button allows a cashier to accept the EBT card without asking the customer if they are using an EBT card. When the card is read by the PIN pad and identified by the EPS, EPS reports back to the POS the MOP type (credit, debit, EBT food stamp, EBT cash).
Follow the instructions on PIN pad to complete the transactions.
Considerations
EBT Cards and paper coupons can be used only to purchase food stamp eligible items. With paper coupons, a maximum of $.99 can be given back as cash change. Any change tendered over $1 must be in Food Stamps change.
Items that are eligible for EBT benefits should have the Food Stampparameter enabled in Store Operations > PLUs or the Allow Food Stampsparameter enabled in Store Operations > Merchandise > Departments.
EBT Cash Benefit allows purchase of non-food stamp eligible items.
Refer to Split Tender Transaction to know more about completing a transaction with food stamp and non-food stamp MOPs.
Tax is not applied to the amount paid for by food stamps. The tax amount that prints on the receipt displays the tax amount after the tax credit has been deducted. The tax credit amount the customer did not have to pay also prints on the receipt.
If food stamps are tendered for less than the eligible amount and the food-stamp items are taxable, a “Tax Credit” appears on the receipt. The credit is the difference between the total tax due on the items and the tax charged on the taxable items not paid for with food stamps. For example, if an amount of $16.17 is qualified for payment with food stamps, of which 10.55 is taxable at a tax rate of 7%, then $0.74 tax is due on the $10.55. If the customer tenders $10.00 in food stamps leaving a balance of $6.17, of which $0.55 is taxable. The Tax Credit is $0.70 (7% of $10.00) and the tax the customer owes is $0.04 (7% of $0.55).
Go to Tax Report from Flash Reports to get information on Taxable Sales and Non-Tax Sales.
From Verifone’s Site Report Navigator access the End of Day Report. This Report has Tax Forgiven Amount section under Cash Controls and gives information on taxes that were credited back due to EBT/Foodstamps/Non-tax Coupons.
Coupon Payment/Redemption (Standard)
Press [TOTAL]
Scan the coupon or key the dollar amount of the coupon and touch [COUPON]
Coupons must be scanned only at the end of the transaction. Tax due may be reduced because of applying this coupon.
Coupon Payment/Redemption (Non-Tax)
Press [TOTAL]
Scan the coupon or key the dollar amount of the coupon and touch [COUPON]
Coupons must be scanned only at the end of the transaction. Tax due may be reduced because of applying this coupon.
Drive Off
Select the unpaid fuel transaction
Press **[TOTAL]**if required
Touch [DRIVE OFF]
Write a description of the vehicle and any additional information on the receipt and save it according to store policy
Configuring Methods of Payment
Payment Management
Use Store Operations > Payment > MOPto configure MOPs.
Name
Enter the name of the MOP. This name appears on receipts and reports.
Delete
Click to delete the selected MOP.
MOP Code
Select the MOP code that determines how the MOP should function within the system. The MOP codes are predefined as detailed below and may vary based on the network configuration:
0 - Cash: (The first MOP name that uses this code should be Cash.)
1 - Credit: Use for credit cards sent through a credit card network. In some reports, this MOP may appear as “CHARGES” or by card name.
From Verifone Commander Release Base 55.02, Credit MOP soft key can be used for all network transactions using Credit, Debit, EBT, EBT Cash, Mobile Payment, Gift Card, or any other network payment methods. The MOP should be configured using this form.
The following appears when cashier press Total > Credit:
2 - Debit: Use for debit cards sent through a credit card network. Do not select the “Tender amount required”. In reports, this MOP appears as a “DEBIT” item.
3 - Manual Credit: Use for credit cards not sent through a credit card network. A voice authorization, imprinting, or other procedure may be required to process the card. The “Tender amount required” parameter should not be enabled.
4 - Manual Debit: Use for debit cards not sent through a credit or debit card network. A voice authorization, imprinting, or other procedure may be required to process the card. The “Tender amount required” parameter should not be enabled.
5 - Lotto: Use for winning lotto tickets tendered as MOPs.
6 - Check: Use for checks. If customers are not permitted to write checks for more than the amount of purchase, do not enable “Change allowed”.
7 – Tax_Coupon: Use for product coupons as MOPs. The “Change allowed” parameter should not be enabled.
8 - $1 Cash (Automatically expects a one-dollar bill as payment and calculates change based on that. The applicable amount is expected for codes 9 through 12.)
9 - $5 Cash
10 - $10 Cash
11 - $20 Cash
12 - $50 Cash
13 - Food Stamp: Use for paper food stamps only. Amounts must be entered as whole dollars for this MOP. The “Change allowed” parameter should be enabled. The “Tender amount required” parameter should be disabled.
14 - Drive Off: Use to set up an MOP for clearing fuel sales for customers that drive off without paying for dispensed fuel. The “Change allowed” parameter should be disabled.
15 - Special Discount: A special discount works as an MOP. This is a percentage based discount applied against PLUs and department sales configured as Special Discount eligible. The cashier determines when to apply it. The Dept File and PLU File functions have “Special Discount [Y/N]” parameters which enable the discount for specific departments or PLUs. The “Special Discount (P)” parameter sets the percentage rate of the discount. These amounts do not appear with promotions in the “DISCOUNTS” item in the Summary Report.
16 - Manual FS: Electronic, non-paper food stamps. Amounts for this MOP can be entered as dollars and cents. This is usually used with food stamp transactions performed with a standalone EBT terminal. The “Tender amount required” parameter and the “Allowed without sale” parameter should be disabled.
17 - Lottery: Use for scratch-off lottery tickets tendered as MOPs.
18 - In-House: Store credit extended to local customers and set up outside the network and the POS. The POS provides receipts for transactions and reports sales on the Cashier and Summary reports.
“Enter Account Number” displays when the [In House] key is used for a transaction. An alpha-numeric account number, up to ten digits, MUST be entered.
When the customer comes in to pay on the account, press [Pay In], at which time you are prompted “House Account? [Y/N].” Enter ‘Y’ and the prompt, “Enter Amount” displays.
After entering an amount and pressing [ENTER], the prompt, “Enter House Acct#” displays.
19 - Pump Test: The Pump Test MOP closes out a sale where the store pumps a test amount of fuel into a container, and it is rung up as a sale. When the fuel is returned to the tank, the sale is treated as a No Sale. Pump Test MOP can only be used on post-pay fuel sales.
EBT MOP Codes 20 - 22
20 - EBT Food Stamp: Electronic, non-paper food stamps. Amounts for this MOP can be entered as dollars and cents. The “Tender amount required” parameter and the “Allowed without sale” parameter should be disabled.
21 - EBT Cash Benefit: Electronic, non-paper cash benefit. Amounts for this MOP can be entered as dollars and cents. The “Tender amount required” parameter and the “Allowed without sale” parameter should be disabled.
22 - Manual EBT CB: Manual non-paper cash benefit. Amounts for this MOP can be entered as dollars and cents. This is usually used with food stamp transactions performed with a standalone EBT terminal. The “Tender amount required” parameter and the “Allowed without sale” parameter should be disabled.
EBT Food Stamp and EBT Cash Benefit MOPs are used when EBT is processed through Verifone Commander/Viper/EPS (e.g. WINCOR in case of Shell). The primary FEP (or a separate FEP in future) on Viper authorize the EBT transactions for POS.
When Verifone Commander/Viper/EPS (e.g. WINCOR in case of Shell) does not process EBT transactions, the site will process the transactions through a standalone EBT terminal and then tender the transactions in VFI POS using the Manual EBT CB or Manual FS MOPs. These MOPs follow the same rules as their electronic counterpart.
Unlike Credit/Debit, it is possible to enter an amount for EBT transactions and request a specific amount from the host for the EBT purchase. In case of FS (EBT FS or Manual FS), POS validates that this amount meets the food stamp eligible items in the transaction.
23 - ECheck: Standalone electronic check processing. The balance of the ticket amount is sent to the host for approval.
24 - Stored Value Card: Stored Value Card is a prepaid MOP.
25 - Manual Entry: With this MOP is selected, account number is manually entered and is processed similar to credit cards.
26 - Force Post: This MOP is used for entering transactions that were processed when the host was offline.
27 - Post Entry
28 - Mobile: Used for mobile payment. See the Mobile payment feature document for more information.
29- Unattended Refund
30 - Non-Tax Coupon: Use for product coupons as MOPs. Tax due may be reduced because of applying this coupon.
31 – Fuel_Voucher: Used for fuel vouchers (paper) only. The parameter "Allow Change" should be disabled.
32 – Tax_Exempt_Voucher: When applied, the MOP will reduce the amount due based on which taxes are configured to be exempt. Multiple types of tax exemption can be configured, and the appropriate prompts will be presented to the cashier based on the configuration.
33 – Fleet_Check: Fleet Checks can be exchanged for cash or be used as MOP in a transaction. The parameters “Allow Without Sale”, “Allow Change” and “Allow Refund” should be enabled.
Refer to the Fleet Cards Feature Reference for information on this feature.
34 – External_Payment: Used to accept paid orders via the VISTA interface. The orders are already paid in the cloud and the commander does not need to do any payment processing. Commander must finalize (put in t-log) the orders as received.
Refer to the Food Service Implementation Guide used by the installing service technician (VASC) for more information.
35 – ComCheck: Comchecks can be exchanged for cash or be used as MOP in a transaction. The driver fills the check and includes the amount they want. Comcheck do not have any product restrictions. Comcheck is like a regular check, but must get authorization for the total amount written on the check.
Refer to the Fleet Cards Feature Reference for more information on this feature.
36 – Expresscode: Express codes are digitally generated for the drivers through the Comdata app and can be used instead of physical comcheck.
Refer to the Fleet Cards Feature Reference for more information on this feature.
Min. Amount
Enter the minimum amount accepted for this MOP (0.00 – 9999.99.
If MOP Code = Special Discount, the percentage discount is entered here. For 10%, enter 10.00
Max. Amount
Enter the maximum amount accepted for this MOP (0.00 – 9999.99).
Limit
Enter the amount of this MOP that alerts the cashier to make a safe drop (0.00 – 9999.99).
0.00 — This MOP does not require a safe drop.
Note: The setting for “Force Safe Drop” determines if a safe drop reminder is displayed or if a safe drop is required once the calculated drawer total for this MOP reaches this Limit.
#Additional Receipts
If additional receipts are required for this MOP, select the number of receipts.
Note: Force Ticket Print must be selected to make this parameter available.
Tender Code
Used to assign the NACS tender code to Verifone MOPs. Helps to create the NAXML POS Journal from the transaction log without manually looking up or mapping the tenders. The recommended value is the default values for each MOP. Inorder to select a new value from the list or enter a new value other than from the list, delete the default value first.
Tender Sub Code
Used to assign the NACS tender sub code to Verifone MOPs. Helps to create the NAXML POS Journal from the transaction log without manually looking up or mapping the tenders. The recommended value is the default values for each MOP. Inorder to select a new value from the list or enter a new value other than from the list, delete the default value first.
Force Safe Drop
Select (if the Limit value is not 0.00) to display a safe drop message. A safe drop must occur before additional sales transactions can be performed using that payment type.
Open Drawer on Sale
Select to open the cash drawer when a transaction includes this payment type.
Tender Amount Required
Requires clerk to enter the amount before selecting this MOP.
Cashier Report Prompt
Prompts cashier to enter the actual (counted) drawer amount for this MOP when printing cashier report.
Allow Zero Entry
Allows zero entry response when entering actual (counted) drawer amount for this MOP when printing cashier report.
Allow Without Sale
Permits acceptance without purchase. Examples: Cashing in a winning lotto ticket or permitting a check to be cashed without purchase.
Allow Refund
Permits Refund transaction to be tendered to this MOP.
Allow Change
Allows change from this MOP to be given to customer when they present amount > amount due. Example: If checks can be written for more than amount of purchase.
Allow Safe Drop
Allows a safe drop for this MOP.
Allow Money Order Purchase
Permits purchase of money order with this MOP.
Refer to the Money Order Feature Reference for more information on this feature.
Force Ticket Print
Forces receipt to be printed for any transaction that includes this MOP.
Reporting
See the MOP Sales section in the Cashier Report to see the MOP sales and MOP Cancel/Refunds.
MOP SALES: Summary of sales by method of payment (MOP).
If a foreign currency has been set up in the Currency File that currency appears in the CASH section.
MOP CANCEL/REFUNDS: Summary of cancelled or refunded transactions. The total is displayed in parentheses because the number is negative.
Troubleshooting
E1104
MOP INVALID/NOT ALLOWED
Used an MOP that no longer exists. Choose another MOP.
E1116
AMOUNT TOO LARGE
The dollar amount entered is larger than the maximum allowed for this department or MOP.
E1118
NO SPLIT TENDER ON FUEL
Only one MOP allowed for fuel purchase.
E1120
DO NOT OVERRIDE MOP AMOUNT
Cannot override the minimum or maximum allowable amount for an MOP.
E1130
MOP CONFLICT
Customer dispensed fuel at one MOP price level and attempted to pay with an MOP associated with a different price level.
E1131
AMOUNT TOO SMALL
The dollar amount entered is less than the minimum set up for the MOP.
E1132
SUB-TOTAL REQUIRED
Must press [TOTAL] before choosing an MOP.
E1135
DROP MONEY FIRST
The amount of money in the drawer exceeds the limit set in the MOP File function. Perform a Safe Drop.
E1138
INVALID MOP AMOUNT
The dollar amount entered is not allowed by the selected MOP. This can occur if a dollar amount is entered and credit selected because credit only takes the balance of the sale.
E1139
INVALID AMOUNT ENTERED
MOP may not require an amount or the amount entered is less than the minimum or more than the maximum amount allowed for the MOP.
E1163
NO CHANGE ALLOWED
“Change Allowed” is set to ‘No’ for this MOP.
E1176
MOP NOT ALLOWED WITH CASHBACK
Selected MOP is not configured for cashback. Either cancel the cashback or use another MOP.
E1181
SAFE DROP NOT ALLOWED FOR MOP
This MOP is not enabled for Safe Drop.
E1188
MOP APPLIED BEFORE
A special discount has already been applied to the transaction; only one special discount is allowed.
E1190
MUST BE FIRST MOP
The special discount MOP must be entered first. Use [ERROR CORR] to remove the other MOPs, then apply the special discount MOP.
E1213
MANUAL CREDIT NOT ALLOWED
The Manual Credit MOP is not allowed in this transaction. Choose another MOP.
E1237
NO MONEY ORDER PURCHASE FOR MOP
An MOP with the “Allow Money Order Purchase” parameter set to ‘N’, was used. To purchase a money order. Select another MOP.
E1250
ONLY FUEL PRODUCTS ARE ALLOWED
An MOP that allows only fuel products to be purchased has been chosen.
E1251
ONLY POST PAY FUEL IS ALLOWED
This MOP allows only post pay fuel products.
E1257
MUST PRESS CREDIT
Part of the Auto-Refund feature. A credit card was used to pay for the initial prepay transaction and cashier tries to refund the underrun amount to any MOP other than credit.
E1258
NO MERCHANDISE WITH PREPAY UNDERRUN
In an automatic Prepay Underrun, no merchandise is permitted to be in the same transaction when the MOP is credit-based.
E2007
INVALID CASHIER REPORT AMOUNT
Entered 0.00 for an MOP amount when printing a Cashier Report and the “Allow $0.00 Entry” parameter is set to ‘N’ in the MOP File.
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