Debit Bin Range Steering: Setup

To begin using Debit Bin Range Steering, set up the following options in Options Configuration.

System Options

The following system option must be enabled on your system.

• ID# 5127 "Debit Bin Range Checking on System"

In Options Configuration, verify that this option is set to Yes. In the Options Configuration window, click ID, enter 5127, and press Enter. If the option is set to "No," click the drop-down, change the option to Yes, click OK, and click Change.

Application Options

Follow the steps below to set up the options for Debit Bin Range Steering in Options Configuration.

1. Display the Options Configuration window.

2. Click ID. Using the list below, enter the ID number of the option, and click OK. Click in the Current Value column, select the desired setting, and click Change. Repeat this process for all options in the list. For more information about a particular option in the list, click on its blue underlined text.

• ID# 5128 " Debit Transaction ThresholdWhen a customer pays via a credit/debit card, the Debit Bin Range Steering application verifies the card bin range exists in the debit bin range file. If it does, and if the transaction is at or above the dollar amount indicated in this option, the pin pad will steer the customer to pay by pin-based debit.  
  
  Enter the whole dollar amount at which you want credit / debit cards to be directed to pin-based debit. Typically the threshold is about $20.00."

• ID# 5129 " Debit Bin Range Checking in POSThis option determines that debit bin range checking occurs on the pin pad at specific POS workstations. This option can be set at the system, store, or terminal level."

• ID# 5498 "Default Pin Pad to Swipe FirstYes = the pin-pad defaults to prompting the customer to swipe their card and then ask if the transaction will be debit or credit.
  
  No = The pin-pad defaults to prompting the customer to select the transaction type, debit or credit, and then asks the customer to swipe their card.." This option must be set to Y.

Once Debit Bin Range Steering has been enabled, option 5497 "Default PinPad device to debit mode" no longer affects the behavior of the pin pad. As a good practice, however, you should set option 5497 to N. This option represents the previous method of steering a customer toward a debit transaction, even though there was no way to check if a card was pin-based-debit-capable or not. Option 5497 simply assumed the card was pin-based-debit-capable, and would automatically display the pin pad after the card was swiped.