Credit Card Informational Article

Overview

Both CCI’s FasCard and LaundryCard systems process credit card transactions in similar ways and have the same general requirements. This page covers information about Credit Card usage with both of these systems.

General information

LaundryCard and FasCard support a wide variety of different credit card payment methods from EMV Chip, to contactless (NFC) such as Apple Pay and Google Pay, or traditional Magstripe. Each payment method has different requirements when it comes to what hardware is used, what processors need to be involved, and what version of the CCI system you have installed.

If you are interested in accepting Credit Cards in your store, call our support line (630) 930-5115, option #2, for more information.

Terminology

Throughout this document, you will encounter specific terms that may be repeated. To enhance your understanding, please refer back to this section whenever you come across unclear terminology.

NFC (Contactless Payments): Stands for Near-field Communication. This is your Apple Pay, Google Pay, Samsung/Android Pay, etc.

• Supports F3 readers, FLEX RF readers, VP3300 EMV Bezel, and Ingenico EMV bezel devices.

• Requires a Worldnet gateway account and a compatible payment processor for NFC acceptance.

VAR/Tear Sheet: This is a document provided by the merchant/payment processor to be used on the gateway processor's boarding dashboard.

• Example: We obtain a First Data VAR sheet from Paystri or other company, and use that information to setup an account on Worldnet or Authorize.Net.

Payment (Merchant) Processor: This is the company responsible for receiving information from the Gateway Processor, and processing the payments for the merchant. They are also the ones who will deposit credit card transactions to the merchant's bank account.

• Example: Paystri, Elavon, Heartland, Chase Paymentech, and TSYS.

Gateway Processor: This is the company responsible for integrating with CCI and passing along encrypted credit card transactional information to the payment processor.

• Example: Worldnet, Authorize.Net, Pineapple, and Datacap

Batch: This is a method by which FasCard bundles a full day's worth of transactions together to reduce our merchant's fees from different Gateway Processors and Payment (Merchant) Processors. This works by sending a single batch of many transactions over to the Gateway Processor at the end of the day (11:50 PM local time) to get processed rather than sending each transaction individually as it happens.

• Gateway and Payment Processors may not be aware we do it this way, so oftentimes from their point of view, these appear no different than any singular transaction that passes through. This will also result in Gateway and Payment Processors telling CCI customers that they are getting charged for "every swipe" when in actuality that is not happening. It only appears that way because they don't see the pre-authorization logic or batch logic we implemented to prevent "per swipe" fees and such.

Gateway processors

A payment gateway/gateway processor encrypts sensitive credit card details, ensuring that information is passed securely from the customer to the acquiring bank via the merchant. Not all gateway processors support both LaundryCard and FasCard, and not all gateway processors support all payment methods CCI offers.

Gateway Pricing

Worldnet

Monthly fee: $15
Fee per transaction: $.07
One Time Setup Fee: $99

Authorize.Net

Monthly fee: $15
Fee per transaction: $.06

Datacap & Pineapple

The pricing of Datacap & Pineapple varies. The required payment processor Paystri, who is also our preferred payment processor, sets the pricing for these gateways. There is no set price that CCI can provide as Paystri's price can depend on location, laundromat size, number of laundromat locations, etc.

EMV gateway processor compatibility

Not all gateway processors we support, support every payment method CCI offers. Refer to the table below to see which payment methods your gateway processor supports. If you want to include more payment methods than what your current gateway processor is compatible with, you must go through a migration process with CCI. Call our support line (630) 930-5115, option #2, or email us at support@laundrycard.com to initiate that process.

Payment processors

EMV payment processor compatibility

Not all payment processors support Contactless (NFC) such as Apple Pay and Google Pay. The table below details what is and is not supported at this moment in time. Note that this is not a comprehensive list and may not include all compatible payment processors.

Credit card hardware

These are the various credit card hardware LaundryCard & FasCard have used over the years and their current compatibility statuses.

Related

FasCard Credit Transaction Processing

Credit Card Captures and Transaction Cut-Off Time