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can be enabled as an alternative to pre-authorization. Pre-authorization is the most secure way to accept credit cards but also can come with customer service challenges as it can cause confusion when a customer sees a pre authorization on their account that does not match the vend price of the machine they are starting. Test an Trust was designed to eliminate this confusion by not executing any pre-authorization on a customers card, instead it performs a simple "Test" that verifies they have a legitimate account attached to their card.  This "Test"

does not charge or pre-authorize any amount against the customers card, instead uses a ‘Card Verification’ feature available through our WorldNet gateway provider.  The "Trust" portion of the transaction is a configurable amount set by the merchant (store owner) that sets the maximum amount

the location is willing to risk for a single transaction. This trust amount will be the dollar amount when reached by the customer where the system will attempt to collect funds from the card, its possible that the transaction may come back declined. In the event that a transaction does come back declined the system will attempt to re run the transaction by subtracting $3, it will continue to reduce the amount and retry until it reaches below $5. Any funds that are not recoverable are recorded in the transaction reports, labeled as ‘Unrecovered Funds’

Test and Trust works as outlined below:

1. Retail customer swipes their credit/debit card.

2. Test

1.  is performed against the card

2. If successful, the card is validated

1. the

1. customer can then spend up to a designated "Trust" amount

1. .

2. Once the programed idle time has passed

1. , the system captures the amount the customer has spent

1. .

If at any time the FasCard system attempts to capture the amount a customer has spent, but fails (See below Failed Scenarios #2), the lost amount will show on the Credit Card Captures Report under the Reports tab in the FasCard Admin site.)

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2. Select the Setup tab to access the server management screen.
   

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2. Scroll down to the Credit Card section.
   

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Even though the Auth/Hold Amount field is primarily used when Pre-Auth mode is selected, it is activated in the Test and Trust mode when a customer's card is declined.  When a customer's card is charged the $0.29 test amount and is successful, but fails during the capture of the trust amount, the system reverts to the Pre-Auth mode for that specific card for the day.  Any subsequent swipes of that card for that day must be pre-authorized before transactions can be accepted. This Auth/Hold amount must always be set to accommodate this instance.  

successful, they can spend up to this amount before the system attempt to collect.  When setting the Trust Amount, it needs to be greater than or equal to the Auth/Hold amount.  (If the Trust amount is less than the Auth/Hold amount, the system will revert to the original Pre-Authorization logic.)

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Click Save.

1. Test

1. is

1. successful,

1. the customer can now spend up to the Trust Maximum Amount of $40.

2. Customer spends $32.00 total.

3. Customer doesn't spend any more money.

4. The

1. idle time expires.

2. Customer card is charged the total amount of $32.

Example 2

Configuration:

Mode:  Test and Trust

Auth/Hold Amount:  $20

Trust Amount:  $40

Spending Scenario:

1. Customer swipes their credit card

1. Test

1. is

1. successful,

1. the customer can now spend up to the Trust Maximum Amount of $40.

2. The customer spends $38 and attempts to purchase another $4 to put them at $42.

   1. The system captures the amount spent so far, $38, and if successful, then

1. 1. tests again.  If successful, the customer can continue their purchase of $4.

2. The customer doesn't spend any more money.

3. 2 hour idle time expires

4. The customer's card is charged the 2nd amount of $4 for a total of $42.

1. Test

1. is

1. unsuccessful

2. FasCard then reverts to pre-auth-only mode for this credit card for the rest of the day

3. Any subsequent swipes of this card must be Pre-Authorized for $20 (This is the Auth/Hold Amount) before transactions will be accepted.

Example 2

Configuration:

Mode:  Test and Trust

Auth/Hold Amount: $20

Trust Amount:  $40

Spending Scenario:

1. Customer swipes card,

1. Test

1. is

1. successful,

1. the customer can now spend up to the Trust Maximum Amount of $40.

2. Customer spends $32.00

3. 2-hour idle time expires with no additional spending activity

4. System attempts to capture the$32.

5. Customer's card gets declined the $32 charge

   1. FasCard begins to decrement the $32 charge by $3 and retries

      1. If successful, store owner recovers $29 but loses $3 

      2. If the $29 fails, FasCard decrements charge by another $3 and retries

         1. FasCard will keep attempting to capture the charge.  If the decreasing attempted charge falls below $5, FasCard stops retrying and store owner loses the full amount of $32.

         2. The failed capture amount will display on the Credit Card Captures report.