Processing integrated payments using your Ingenico payment terminal helps to protect you from fraudulent charges by utilizing the security measures built into customers’ cards. The payment terminal also provides your customers with an easy-to-read summary at the end of their transaction – including sales items, taxes, shipping charges, and their total savings from discounts.

Note: The May 2020 update is a “guided” update – a few of the new features require our support team to manually migrate your data to the new platform, so you’ll need to schedule a time with us to get your store updated. Debit and near-field communications (NFC – e.g. Apple Pay, Google Pay, Android Pay, Fitbit Pay, Chase Pay, PayPal, VISA payWave) payments cannot be voided. Card issuers/banks may take up to 14 business days to process refunds (returns) to the customer's account.

Some EMV debit cards may print a signature receipt, even when a PIN is used. This requirement is sent by the chip on the card, and may vary from bank to bank.

1. From the Payment toolbar, click the Credit button.
   Note: This process works the same if you select Debit. The payment type recorded in Ascend automatically adjusts based on the customer’s choice on the payment terminal.
2. The Amount field automatically populates with the amount due on the transaction. If the amount the customer wishes to pay is different, enter that amount instead.
3. Click the Take Payment button.
4. Have the customer follow the prompts on the Ingenico payment terminal screen.
   Note: EMV-enabled (chip) cards cannot be swiped and must be inserted. Do not bypass the security built into your Ingenico payment device – you will be liable for any fraud complaints.
   Samsung Pay does not use near-field communication (NFC) technology – payments made using Samsung Pay act as a non-NFC, non-EMV payment.
   Debit payments must be refunded (returned) as Credit. NFC payments may process as Debit and cannot be refunded.

January 2020 & previous versions

EMV (chip) debit payments

1. Have the customer insert their card in the slot on the front of the Ingenico payment terminal. The card should be inserted face up so the chip is inserted into the terminal.
2. On the Select application screen, have the customer select the appropriate charge type.
   Note: The choices displayed are sent by the chip on the card, and may vary from bank to bank. The customer should contact their card issuer to determine the appropriate choice.
   Many cards offer a choice of VISA/MASTERCARD DEBIT or US DEBIT - US DEBIT is generally processed as Debit. However, not all cards may follow this structure.
3. On the Confirm app screen, have the customer confirm the payment type.
4. On the Amount OK screen, have the customer confirm the payment amount.
5. On the Enter PIN screen, have the customer enter their PIN.
6. On the Amount OK screen, have the customer confirm the payment amount again.
7. On the Approved screen, have the customer remove their card.

EMV (chip) credit payments

1. Have the customer insert their card in the slot on the front of the Ingenico payment terminal. The card should be inserted face up so the chip is inserted into the terminal.
2. On the Select application screen, have the customer select the appropriate charge type.
   Note: The choices displayed are sent by the chip on the card, and may vary from bank to bank. The customer should contact their card issuer to determine the appropriate choice.
   Many cards offer a choice of VISA/MASTERCARD DEBIT or US DEBIT - VISA/MASTERCARD DEBIT is generally processed as Credit. However, not all cards may follow this structure.
3. On the Confirm app screen, have the customer confirm the payment type.
4. On the Amount OK screen, have the customer confirm the payment amount.
5. On the Approved screen, have the customer remove their card.
6. On the Please sign screen, have the customer sign for their purchase and tap OK.
   Note: Customers can sign with either the stylus provided with the Ingenico payment terminal or their finger.

Non-EMV debit

1. Have the customer swipe their card on the side of the Ingenico payment terminal. The back of the card should face the customer, with the magnetic stripe inserted into the terminal.
2. On the Select payment type screen, have the customer select the appropriate charge type.
3. On the Enter PIN screen, have the customer enter their PIN.
4. On the Amount OK screen, have the customer confirm the payment amount.

Non-EMV credit

1. Have the customer swipe their card on the side of the Ingenico payment terminal. The back of the card should face the customer, with the magnetic stripe inserted into the terminal.
2. On the Select payment type screen, have the customer select the appropriate charge type.
3. On the Amount OK screen, have the customer confirm the payment amount.
4. On the Please sign screen, have the customer sign for their purchase and tap OK.
   Note: Customers can sign with either the stylus provided with the Ingenico payment terminal or their finger.

May 2020 & future versions

EMV (chip) debit payments

Note: If the card can be used as Credit or Debit, Debit displays as the first choice.

1. Have the customer insert their card in the slot on the front of the Ingenico payment terminal. The card should be inserted face up so the chip is inserted into the terminal.
2. On the Select payment type screen, have the customer select the appropriate charge type.
   Note: The customer can also press the Enter key on the keypad.
3. On the Amount OK screen, have the customer confirm the payment amount.
4. On the Enter PIN screen, have the customer enter their PIN.
5. On the Amount OK screen, have the customer confirm the payment amount again.
6. On the Approved screen, have the customer remove their card.

EMV (chip) credit payments

Note: If the card can be used as Credit or Debit, Debit displays as the first choice.

1. Have the customer insert their card in the slot on the front of the Ingenico payment terminal. The card should be inserted face up so the chip is inserted into the terminal.
2. On the Select payment type screen, have the customer select the appropriate charge type.
   Note: If the card can be used as Credit or Debit, the customer can also press the Cancel key on the keypad.
3. On the Amount OK screen, have the customer confirm the payment amount.
4. On the Please sign screen, have the customer sign for their purchase and tap OK.
   Note: Customers can sign with either the stylus provided with the Ingenico payment terminal or their finger.
5. On the Approved screen, have the customer remove their card.

NFC debit payments

Note: NFC payments automatically select the payment type (Credit/Debit) the issuing bank selected as their default – customers are not prompted to choose a payment type.
Receipts will not display that the customer made an NFC/contactless payment.
For the customer’s protection, when the last four digits of the customer’s card number display, values are based on the Device Account Number assigned to the payment method on the customer’s device (not the customer’s physical card number).
A maximum of $999,999.99 can be processed as an NFC payment.

1. Have the customer hold their device to the front of the Ingenico payment terminal.
   Note: The required distance from the payment terminal varies depending on the customer’s device and/or case.
2. On the Amount OK screen, have the customer confirm the payment amount.
3. If the payment amount is $250 or greater, or if the customer has configured their device to require confirmation for all payments, the customer’s device prompts for their security credentials (e.g. passkey, PIN, fingerprint, Face ID).

NFC credit payments

Note: NFC payments automatically select the payment type (Credit/Debit) the issuing bank selected as their default – customers are not prompted to choose a payment type.
Receipts will not display that the customer made an NFC/contactless payment.
For the customer’s protection, when the last four digits of the customer’s card number display, values are based on the Device Account Number assigned to the payment method on the customer’s device (not the customer’s physical card number).
A maximum of $999,999.99 can be processed as an NFC payment.

1. Have the customer hold their device to the front of the Ingenico payment terminal.
   Note: The required distance from the payment terminal varies depending on the customer’s device and/or case.
2. On the Amount OK screen, have the customer confirm the payment amount.
3. If the payment amount is $250 or greater, or if the customer has configured their device to require confirmation for all payments, the customer’s device prompts for their security credentials (e.g. passkey, PIN, fingerprint, Face ID).

Non-EMV debit

1. Have the customer swipe their card on the side of the Ingenico payment terminal. The back of the card should face the customer, with the magnetic stripe inserted into the terminal.
2. On the Select payment type screen, have the customer select the appropriate charge type.
3. On the Enter PIN screen, have the customer enter their PIN.
4. On the Amount OK screen, have the customer confirm the payment amount.

Non-EMV credit

1. Have the customer swipe their card on the side of the Ingenico payment terminal. The back of the card should face the customer, with the magnetic stripe inserted into the terminal.
2. On the Select payment type screen, have the customer select the appropriate charge type.
3. On the Amount OK screen, have the customer confirm the payment amount.
4. On the Please sign screen, have the customer sign for their purchase and tap OK.
   Note: Customers can sign with either the stylus provided with the Ingenico payment terminal or their finger.

Print a captured signature

For physical credit cards, digital copies of customer signatures are stored in Ascend for 12 months (one year). This is not an image that can be retrieved, but can be reprinted on a signature receipt.
Note: Digital signatures are not stored for Debit (PIN used) or NFC.

From a transaction:

1. In the Payments (middle) pane, select the Credit payment you wish to print the signature receipt for.
2. Select the File menu > Print Signature Receipt.

Outside of a transaction:

1. In Database Explorer > Sales, select (do not double-click) the transaction.
2. In the lower pane, select the Payments tab.
3. Right-click the Credit payment you wish to print the signature receipt for and select Print Signature Receipt.

Additional Resources

KB22-148