RMS link to PCCharge Debit Card / Signature Capture MSR EFSNet

Aug 24, 2005 7 Replies

RMS, EFSNet, and PCCharge all process Debt cards independently. EFSNet links with PCCharge and processing Debit Cards. RMS, PCCharge, and EFSNet process Credit Cards as a linked unit. Why does PCCharge (the number one Credit Card Processing Software) not function with Debit Cards from RMS (the number one POS system). On the surface, it would seem like an relatively easy interface. We have many customers that prefer Debit Cards since they are so convenient. Debit is becoming the norm for Retail Business. RMS interfaces Debit with Vital; however, there are several issues concerning this solution.



1) Vital only works in Batch mode (not interactive like EFSNet). Most Retailers are moving to Quick processing and settling.
2) The POS system (RMS on a standalone PC) directly links to the Internet with Vital. This creates three problems. a) Weaker security. b) A redundant Gateway problem. c) Can not truly lock down Internet Explorer on the POS system.
3) PCCharge has a better CC report system than RMS and can be centrally controlled.
4). Independent dual cash draw systems will no function using Vital.

The solution: Make RMS process Debit cards to EFSNet through PCCharge.


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Richard,

If you are looking for a better solution than PCCharge, try TPI Software and there RMS Addon for processing CC, Debit, EBT, Checks and Gift Cards. The guy that owns TPI is the guy that started PCCharge (Bill Pittman) way back when.

Rob

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Concur with Rob -- we're using an RMS plug-in from TPI (via Abanco/Positive Technology) and it's totally transparent and integrates great with RMS for Visa/MC, Debit and also Echeck sales (Electronic Check Authorization/Conversion). If you use Positive/Abanco as your Merchant processor there is no charge for the TPI software/plug-in. Their discount rates were also highly competative...

Regards,

Rich

"Rob" wrote:

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The name of the plug-in / product we're currently using is Smartpayments (via Abanco).

Regards,

Rich

"Richard Laws> We were one of the first to test TPI and assisted them with some design

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Vital interface works fine. The problems we encounter are ISP issues with Vitals direct interface. More chefs in the kitched results in longer issue resolution. It took us a week to troubleshoot what was ultimately an ISP issue. Make sure processor is PCI compliant too. You could become liable data breaches.

Mark

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"hitman" wrote:

Abanco/Positive

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The Debit Module from PCCharge has some flaws,

Besides the fact that if PCcharge doesnt get a definite decline from the processor it will approve a credit to RMS,

the debit module allows debit returns, Every processor I have spoken with will NOT allow a debit return and will ignore this. Therefore your customer never gets there money for the return. The only way to avoid this is to make sure ALL Debit and Credit returns are done as Credit ONLY.

I use and will continue to use TPI and say NO to PCCharge. Besides the fact that you can see the files that transfer between RMS and PCCharge there is to many possible fault locations,

just my 2cents

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