Our glossary covers some common terms that you will see throughout Smartpay Hub to make it easier for you to navigate your way through.
Account Type
- This is the account a customer selects (Cheque, Savings or Credit) after inserting or swiping a card when making a payment through a terminal.
Transactions
- Transactions page allows you to view and download your transactions as they happen in real-time for all purchases, refunds, cash withdrawals, surcharges, tipping and reversals.
Bypassed Surcharge
- This is the surcharge amount that has not been passed onto your customer and you will be billed for this amount instead. You can only bypass a surcharge using a password provided by Smartpay.
Card BIN
- A Card BIN (Bank Identification Number) is the first 6 or 8 digits of a debit/credit card number used. This identifies the financial institution that issued the card.
Card Type
- Typical card types you will see are Visa, Mastercard and Debitcard. This will appear individually against each transaction and also in the summary section of the advanced transaction report.
Cash Out
- If a transaction includes cash out with the purchase then this will appear separately to the purchase amount in the transaction report. The transaction type will either appear as Cash or Purchase and Cash.
Deposit No.
- This is the number of the payment file (also known as DE Batch Number) the transaction belongs to.
Groups
- In the Hub, a group is for a Merchant ID number. So if you have multiple Merchant ID numbers you will have multiple groups in your Hub account.
Last 4
- This is the last 4 digits of a debit or credit card used for a transaction. We do not show the full card number for PCI DSS reasons. For more information on PCI DSS standards read our Help Centre article.
Merchant ID
- Merchant Identification (or MID) is a unique number given to each customer upon approval of their application. It uniquely identifies a customer to us and their bank. Each customer is given only one MID per store or location.
MOTO
- A MOTO (Mail Order, Telephone Order) payment is an alternative method of taking and accepting transactions remotely. When you integrate this payment method into your business, you can accept transactions even when the credit/debit card is not physically present at the time of payment. To enable MOTO payments, contact Smartpay.
Payment Method
- This shows what the transaction was paid with i.e. card or cash.
Payment Status
- This is the transaction result you would see on the terminal when a transaction is processed i.e. approved or declined.
Receipt
- This is a digital version of the transaction receipt from the terminal.
Settlement Amount
- The amount that will be paid into your account for this transaction.
Settlement Date
- The date a transaction was added to the Deposit No. (also known as the DE Batch Number).
Surcharge
- Every Smartpay terminal which has surcharging enabled will automatically add a surcharge and be displayed on the screen for your customers. This is the amount displayed on the terminal and paid for by your customer.
Surcharge Percentage
- Your cost of acceptance will determine what percentage you can charge for card transactions and surcharges must not exceed this cost of acceptance. The percentage you see here is what has been applied to your terminal depending on the EFTPOS solution you have chosen. For more about your specific plan, contact your account manager.
Transaction Type
- This is the payment function received by the terminal whether this be a payment, refund, reversal, cash out or purchase and cash out.
Terminal ID
- Terminal Identification (or TID) is a unique number given to each individual terminal. Smartpay will use this number to identify specific terminals (especially if a merchant maintains multiple terminals in one store/location).
Transaction Date
- Every transaction will have a date and time associated with it to make it easy to look it up at a later date should you ever need to do so.
Total Transacted
- Every transaction will have a date and time associated with it to make it easy to look it up at a later date should you ever need to do so.
Tips
- The tipping amount is determined by your customer when they are paying for the purchase. If you would like to enable tipping on your terminals, please contact Smartpay.
Users
- You can add as many users to the Hub as you need (depending on your level of access). We have three different user types depending on the access you need to give:
- Master User: this user has full access to the Hub. They can view and download the transaction and settlement reports, and view, edit, add or remove users.
- Merchant – Admin: this user can view and download the transaction and settlement reports, and view or edit users.
- Merchant – Viewer: this user can view and download transaction or settlement reports.
