Card Reader User Guide - myob.com · Card Reader Your MYOB PayDirect Card Reader may not come fully...

MYOB PayDirect Card Reader User Guide

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Card Reader User Guide


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Getting started in a few easy steps

MYOB PayDirect turns your smartphone into a mobile payments terminal, so you can get paid on the spot anywhere, anytime.

This guide

+ Shows you how to use the MYOB PayDirect payments service

+ Introduces you to your MYOB PayDirect Card Reader

+ Shows you how to ‘pair’ your smartphone to your MYOB PayDirect Card Reader

+ Provides the information you need to start taking payments.

Learn more

Please visit myob.com.au/paydirectsupport for customer support and additional information, including:

+ Frequently Asked Questions

+ Demo Videos.


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1 Swipe Card Slot Reads magnetic stripes cards (strip facing away from user)

2 LED Display Display instructions for user

3 Power Button Powers the terminal on and off and enters sleep mode

4 Revive™ Button Pin-hole button used to reset the Reader

5 Enter Key Confirms actions including PIN entry

6 Cancel Key Cancels actions including PIN entry

7 Clear Key Removes the last PIN digit entered

8 Function Button Indicates Bluetooth status

9 Smart Card Slot Reads chip cards (chip facing towards user)

10 Charging LED Red LED above Micro-USB connector – indicates unit is charging

11 USB Connector USB Micro-B receptacle – used for charging/file transfer

12 Contactless Sensor Area Reads contactless enabled cards

Get to know your MYOB PayDirect Card Reader

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Charging your MYOB PayDirect Card Reader

Your MYOB PayDirect Card Reader may not come fully charged so we recommend you charge it for 3 hours before using it for the first time.

To recharge your PayDirect Card Reader, plug one end of the supplied USB cable into your PayDirect Card Reader and the other into a:

+ Standard USB charger, or

+ Powered USB port on your computer.

Important note

When fully charged, your MYOB PayDirect Card Reader will perform about 5 hours of direct use and last two to four days in standby mode.

Your MYOB PayDirect Card Reader may lose its charge if you do not use it for some time. We recommend that you shut down your reader between periods of inactivity.

To do this, hold down the power button located on the top edge of the Card Reader until a ‘Shutting Down’ message appears onthe Reader display.

There is a battery level indicator on the screen of your MYOB PayDirect Card Reader. You can find out the percentage of charge in the app menu under Reader Information.


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Existing MYOB Essentials and AccountRight subscribers can take advantage of the added convenience and time saving features of mobile accounting. In just a few taps you can create and send invoices and manage your contacts, and it’s all automatically updated to your accounting software without the need for any further data entry.

For more information on the MYOB OnTheGo app and the additional mobile accounting features visit myob.com.au/onthego

MYOB customers can manage accounts and cash flow on the go

If you have an Apple iPhone, follow these instructions:

1 Go to the App Store on your phone

2 In the search box, type in ‘MYOB OnTheGo’ or ‘MYOB PayDirect’

3 Download the app.

If you have an Android phone, follow these instructions:

1 Visit the Google Play Store on your phone. If you do not have Google Play, you can download it at play.google.com

2 In the search box type in ‘MYOB OnTheGo’ or ‘MYOB PayDirect’

3 Download the app.

Downloading the mobile app

Before you’re able to make your first transaction, you need to install the MYOB OnTheGo app (if you’re an existing MYOB Essentials or AccountRight subscriber) or the MYOB PayDirect app (if you’re new to MYOB) onto your smartphone. A list of supported devices can be found at myob.com.au/paydirectsupport


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Connecting your Reader

1 Charge your card reader with the USB cable for at least 3 hours before using it for the first time.

2 Familiarise yourself with the key features and buttons of your PayDirect Card Reader using the graphic and explanations on page 2.

3 Turn on Bluetooth® on your smartphone and turn on your PayDirect Card Reader. The on/off button is on the top left of the card reader. The rapidly flashing Bluetooth® symbol on your PayDirect Card Reader indicates you are ready to pair your smartphone and PayDirect Card Reader. If it’s not flashing or flashing slowly, hold down the Function button until the Blue light starts flashing quickly (note: During a transaction the blue light will be solid).

4 Find your PayDirect Card Reader in the Bluetooth® devices menu. It will appear as ‘PayDirect 123’, with the digits being the last 3 numbers of the serial number on the Reader.

5 Tap ‘pair’ on your phone first then press Enter on the Reader to confirm the 6 digit code presented.

6 Your PayDirect Card Reader should say “Activated” once this is complete. If it does not, please contact our product specialists at 1300 555 123.

7 Go to the settings section of your app and tap Install Updates. This typically takes 5-10 minutes and will reboot several times while updating.

Important note

While updating, the Update screen on the phone must stay active or it will fail. Do not let the phone’s screen turn off during this time.


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Getting started

1 Ensure your Reader and smartphone are paired

2 On your smartphone, login to your MYOB PayDirect app

3 In the mobile app, go to the menu > settings > updates. If there is an update listed, install it now

4 Input a test transaction of $0.01 to ensure the Reader is working properly

5 Check for the activation message.

Note: the activation message will only show one time.

With an iOS smartphone

With an Android smartphone

1 Ensure your Reader and smartphone are paired

2 On your smartphone, login to your MYOB PayDirect app

3 Check for the activation message

4 In the mobile app, go to the menu > settings > updates. If there is an update listed, install it now

5 Input a test transaction of $0.01 to ensure the Reader is working properly.


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Using the mobile app

The mobile app allows you to process transactions using your MYOB PayDirect Card Reader.

Now you have the app, it’s a good idea to spend a few minutes becoming familiar with it. It will make processing your first few transactions quick and simple.

Log in to the mobile app

1 Open the mobile app on your smartphone

2 Log in using your MYOB username and password

3 You will be prompted to set up a 4 digit security PIN.

This will become your login PIN from now on.

Note for AccountRight Live users: after logging in you will be presented with a login screen to enter the Company file User ID and Password.

Navigating the mobile app

Now that you’ve logged in, you should see the dashboard which includes the option to Take Payments.

If you’ve connected an AccountRight Live or MYOB Essentials account, you should see the two additional options or Invoices and Contacts.

If you have not connected your PayDirect Mobile service, the Take Payments options will be disabled.

Contacts View all your customers or add new contacts. Watch the video myob.com/au/accounting-software/on-the-go-mobile-app

Invoices Create, edit, send and take payments for any account. Watch the video myob.com/au/accounting-software/on-the-go-mobile-app

Take Payment The quickest way to take payments from customers. Watch the video myob.com/au/support/paydirect


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Accessing the settings

Swipe right from within the app to access the Menu or tap on the Menu icon ( ).

You’ll find these options:

+ Transaction History – shows all processed transactions. Use this screen to process a refund.

+ Settings – allows you to manage options for tax settings, security codes, access Reader information, and check for Reader Updates.

+ PayDirect Reader information – shows the device serial number, model and battery level will display. Note: if this information doesn’t show within 30 seconds there is a paring issue or the phone or the device needs to be rebooted.

+ Invoice settings (integrated products only) – choose whether to make your invoices tax inclusive or exclusive.

+ Reader updates – the device checks for security updates every 24 hours. Readers cannot take payments if there are uninstalled updates.

+ Data Refresh (integrated products only) – download any changes made to the account list and tax codes in your online company file.

+ Signature verification code – see page 11.

+ Help and Feedback – log help tickets or questions directly to the PayDirect support team.

+ Log out – use to exit the app. Only available on iOS.

Using the mobile app


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Taking a payment

1 Connect or Pair the PayDirect Card Reader to your smartphone via Bluetooth®.

2 Open the mobile app on your smartphone and log in using your MYOB username and password or your 4 digit PIN number (if you have set it up already).

3 Select Take Payment

If your service is connected with an online file:

+ Click on the Invoices Section

+ Create a new invoice or open an existing one

+ Select Take Payment from the Menu

+ Select Payment Method “Card”

+ Select a deposit account

+ Press Continue

If your PayDirect service is standalone:

+ From the Dashboard, press Take Payments

+ Enter a payment amount

+ Press Next.

4 When prompted, ask your customer to insert, swipe or tap their card, or do it for them.

+ If the card has a chip, insert the card into the card slot at the base of the PayDirect Card Reader.

+ If the card doesn’t have a chip, swipe the card through the magnetic stripe card slot at the top of the Reader.

+ If the customer chooses Paypass™ or PayWave™ slowly tap card on the screen and wait for the light to flash indicating payment has been approved.


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5 Select account.

+ Once the card has been inserted, when prompted, ask your customer to select which account they’d like to use: Savings, Cheque or Credit.

6 When prompted ask your customer to enter their PIN on the PayDirect Card Reader.

+ When prompted to enter a PIN some customers may tell you they don’t have one. If they have presented a credit or debit card, ask the customer to press Enter on the Reader and follow the instructions under ‘Cards that require a signature’.

7 You will be prompted to remove the card from your PayDirect Card Reader.

8 If OK, ‘Approved’ will appear on the screen of your smartphone and PayDirect Card Reader.

If the customer wants a receipt, enter their email address or mobile number and press Send.

If the card is declined, the reason (incorrect PIN, insufficient funds etc.) will appear on the display of the smartphone and the PayDirect Card Reader.

+ Depending on what the customer wants to do, repeat the process from step 3.

+ If the customer does not provide another card or a correct PIN, cancel the transaction.

Your daily transaction limit is set to $5,000 AUD.

Contact MYOB Support on 1300 555 931 if you require an increase.

Important note

Sometimes a card will require a signature. When this happens a signature panel will appear on your smartphone and the ‘Signature needed’ message will appear on the PayDirect Card Reader. Follow the instructions under ‘Cards that require a signature’.

Taking a payment


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If the signature panel appears on your smartphone and the ‘Signature needed’ message appears on the PayDirect Card Read, follow these steps.

1 Rotate the screen to the correct orientation shown in the app.

2 Ask your customer to sign the screen using their finger. If a customer makes a mistake, tap Clear Signature to allow them to sign again.

3 Check the signature against the one shown on the back of their card. At this point it’s safe to remove their card from your PayDirect Card Reader.

4 If the signature doesn’t look correct or you’re concerned about the validity of the card, tap Void to cancel the transaction. Otherwise, press Verified to continue.

5 Enter your Signature Verification Code at the prompt. This is set to ‘0000’, but you can change this at any time in Security Settings. You can get to this from the Menu ( ) on the dashboard or by swiping right from the dashboard.

6 If OK, ‘Approved’ will appear on the screen of your smartphone and PayDirect Card Reader. If the customer wants a receipt, enter their email address or mobile number and tap Send.

Cards that require a signature

Important note

The Signature Verification Code is not the customer’s four-digit card PIN.

UPDATE SCREEN


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Inserting, swiping or tapping cards

If your customer has a card with an embedded microchip (“chip”)

Insert the card chip first, with the front of the card facing the front of the PayDirect Card Reader (the side with the keypad).

If your customer has a credit card without an embedded chip

Swipe the card through the magnetic reader, with the front side of the card facing the front of the PayDirect Card Reader (the side with the keypad). You can swipe the card in either direction, however the card needs to face upward.

If your customer chooses a contactless payment (Paypass™ or PayWave™)

Slowly tap card on the screen and wait for the light to flash indicating payment has been approved.

NEW LOGO UPDATE ON DEVICE

Important note

PayDirect will accept Visa or MasterCard credit, debit and EFTPOS cards. PayDirect does not support American Express (Amex) or Diners. If your customer’s card has a chip, you must insert the card into the card slot. You cannot swipe credit cards which have a chip.


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Finishing the transaction and issuing a receipt

When the transaction has been authorised the app will tell you.

+ If your customer does not want a receipt, finish the transaction by tapping Done.

+ If your customer wants a receipt, enter their email address or mobile phone number and tap Send. You can only send one receipt from here, if you want to resend or send later you can do so from the Transaction History menu.

Success.

You’ve transacted using MYOB PayDirect!


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Processing a refund

It’s easy to process refunds with MYOB PayDirect.

The customer must present you with the same card that was used to process the original transaction and, ideally, the STAN number on their receipt.

1 Go to Transaction History, which is accessed through the Settings menu in the app (swipe right from anywhere within the app) or tap ( ).

2 Search for the transaction using the STAN number on the customer’s receipt.

3 Once located, tap on the transaction to view the Transaction Details screen. Tap Refund. Follow the on-screen prompts to process the refund.

Important note

You cannot refund more than the original transaction amount. There’s no time limit on processing refunds.


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The PayDirect Card Reader operates in the following modes: Awake, Asleep and Off. Your user experience with the device will be greatly improved if you’re mindful of these states.

Battery consumption varies between these modes from heavy consumption when awake to little consumption when off.

If you use the reader many times throughout the day unplugged, having the reader in the awake and sleep modes will allow quick transaction processing but you should expect you’ll need to give the reader a full charge overnight.

If you use the reader sporadically, you should shut down the reader by holding down the power button until shutdown between uses. By doing this battery life will be conserved allowing you to avoid regular charging, however you will be required to power up your reader before the next payment which could take up to one minute. It is recommended that you boot up your PayDirect Card Reader a few minutes before you’re ready to use it as the reader automatically performs a security check every 24 hours and updates need to be installed before use.

Security of your PayDirect Card Reader and smartphone

Security of your information is paramount. That’s why you need a four-digit PIN to access the app. To keep your information secure we recommend you:

+ Log out of the app whenever you’re not using the MYOB PayDirect Reader.

+ Set a password on any smartphone you use with the MYOB PayDirect Reader, as additional protection in the event of theft.

Everyday usage of your MYOB PayDirect Card Reader


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Keeping your PayDirect Card Reader secure

Your Reader is tamper-proof to ensure that card details and PINs are processed securely. Please follow these security guidelines, so that no illegal activities can be undertaken with your device.

1 Make a note of your serial number on the back of the device. The last 3 digits of the serial number will display in the Bluetooth® menu when you connect to your smartphone.

2 Inspect your device regularly to ensure it does not show any marks caused by an illegal attempt to open the plastic case.

3 Ensure your PayDirect CardReader is only used by trusted staff and never left unattended. Lock it away when not in use.

4 Only use secure PINs or passwords to access the Mobile app.

5 Never try to repair or open up the PayDirect Card Reader yourself.

6 If the PayDirect Card Reader identifies a tamper attempt during usage, the terminal will immediately close the payment application aborting any transaction in progress. The tamper state is indicated on the display by **SYSTEM TAMPERED**.

7 The PayDirect Card Reader will automatically perform a security check every 24 hours. A suspected tampered device should be returned for investigation. Please contact MYOB customer support on 1300 555 931.

8 If your PayDirect Card Reader shows unusual behaviours such as a high number of read failures or card declines, contact customer support on 1300 555 931. These can be indicators of a tampered or damaged device.

9 Make sure anyone using a PayDirect Card Reader reads and follows these guidelines.

If you lose your MYOB PayDirect Card Reader

Report a lost or stolen PayDirect Card Reader immediately to MYOB so we can disable it.

Once a PayDirect Card Reader has been disabled, for security reasons you must contact MYOB to have it re-activated.

Contact 1300 555 123 and have your contact details, MYOB serial number or ABN ready.

Everyday usage of your MYOB PayDirect Card Reader


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The MYOB PayDirect Card Reader doesn’t work with my smartphone

The PayDirect Card Reader and app are designed to work with a number of Apple iOS and Android devices. A list of these is available at myob.com.au/paydirectsupport

The MYOB PayDirect Card Reader doesn’t read the chip on my customer’s card

Make sure the card is inserted fully. If your customer’s credit card has a chip, check you’re inserting the card so the front of the card faces the front of the PayDirect Card Reader. Also make sure you insert the card chip-first into the PayDirect Card Reader.

The MYOB PayDirect Card Reader doesn’t read the magnetic stripe on my customer’s card

If your customer’s card has a chip, you must insert the card into the card slot. If it only has a magnetic stripe, check you’re swiping the card so the front of the card faces the front of the PayDirect Card Reader.

Everything works but it won’t process the transaction

Check the network coverage on your smartphone. If you’re in a bad or no-signal area, you may not be able to process transactions because they are done in real-time using your smartphone’s network coverage. If you’re in a no-signal area, you may have to move to get network coverage.

If my PayDirect Card Card Reader has a fault, what do I do?

Please contact MYOB Support on 1300 555 931 and they will advise how you can receive a replacement.

Do I need to turn on anything within my smartphone to make the PayDirect service work?

You must turn on Bluetooth® on your smartphone and then use this function to connect to the PayDirect Card Reader.

There is an error reading the card’s chip.

You can insert and remove the card 3 times. After this you will be prompted to swipe the card and approve with signature.

The PayDirect Card Reader is not reading the card’s magnetic stripe.

Make sure you are swiping the card level and at a normal speed.

My PayDirect Card Reader was paired to my smartphone, but is not being detected by the app.

+ Try unpairing the reader, then go through the pairing process againMake sure you only have one reader paired per phone

+ Make sure the reader is not paired to another phone

+ Reboot Phone and Reader.

Troubleshooting

©2016 by MYOB Australia. All rights reserved. No portion of this book may be reproduced mechanically, electronically, or by any other means including photocopying, without written permission from the publisher. MYOB Australia. Level 3, 235 Springvale Road, Glen Waverley, Victoria, 3150. GSME195940-1216

myob.com/au/support/paydirect MYOB is a registered trade mark and PayDirect is a trade mark of MYOB Technology Pty Ltd. The Bluetooth® word mark and logos are registered trademarks owned by Bluetooth SIG, Inc. any use of such marks by MYOB is under license. Other trademarks and trade names are those of their respective owners. MasterCard and the MasterCard brandmark are registered trademarks of MasterCard International Incorporated. Google Play and the Google Play Logo are trade marks of Google, Inc.Apple is a trade mark of Apple Inc., registered in the U.S., and other countries. iPhone 5, iPhone 4S and iPhone 4 are trade marks of Apple Inc.

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Card Reader User Guide - myob.com · Card Reader Your MYOB PayDirect Card Reader may not come fully...

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