Processing house card applications
Offering a store credit line gives retailers the opportunity to build loyalty with customers. Retailers can configure multiple credit application types, with different requirements for each type. The POS application can process credit applications both inside and outside a merchandise transaction. Within a sales or exchange transaction, the credit application feature can be accessed from the following screens:
- Sale Main Menu
- Tender Menu
- Transaction Types
- Return Main Menu
Authorized associates can process house card applications from customers using one of the following methods:
Configurable features
The POS application can be configured with the following features.
- Enable the credit application feature and determine whether the application type is displayed on the Credit Application Selection menu. Refer to the following options:
- Credit Application > Active
- Define the name of the credit application type that is displayed on the menu. Refer to the following option:
- Credit Application > Name of Application
- Determine whether the POS uses parameters, a credit authorization plug-in, or a personal device during a credit application. Refer to the following option:
- Credit Application > Credit Application Control Source
- Specify the payment client to be used when a credit authorization plug-in is used with credit applications. Refer to the following option:
- Credit Application > Credit Application Control Client
- Determine the type of receipt template that is used for printing the credit application receipts. Refer to the following option:
- Credit Application > Credit Application Receipt Template
- Determine whether a chit is printed when a credit application is approved, declined, or when an existing account is found during a credit application transaction. Refer to the following options:
- Credit Application > Print Credit Application Approval Chit
- Credit Application > Print Credit Application Decline Chit
- Credit Application > Print Credit Application Existing Account Chit
- Determine whether the POS prompts the associate to start a sales transaction using the approved or existing credit line when the credit application is processed outside a sales transaction. Refer to the following option:
- Credit Application > Prompt To Start A Sale With Credit Account
- Enable the POS to prompt for a photo ID check. Refer to the following option:
- Credit Application > Check Photo ID
- Specify the credit text template that is used when the authorization result is displayed on the POS and the PIN pad. Refer to the following option:
- Credit Application > PIN Pad Authorization Text Template Naming Scheme
- Specify the display order of the credit application types that are displayed on the Credit Application Selection screen. Refer to the following option:
- Credit Application > Display Order
- Specify the minimum age for credit application and the consent age that determines whether information details need to be reviewed by the customer. Refer to the following options:
- Credit Application > Minimum Age
- Credit Application > Ability to Repay Consent Age
- Credit Application > Electronic Consent Age
- Specify the phone number to be called when an error occurs during the application process. Refer to the following option:
- Credit Application > Phone Number
- Specify the tender validation scheme to be used for format validation when voice authorization is required. This tender is linked to the House Card or Credit Card tender that the application is for. Refer to the following option:
- Credit Application > Tender ID
- Specify the trigger code that is added to the sales transaction that is started immediately after the credit application is approved. Refer to the following option:
- Credit Application > Initial Use Discount Trigger Code
- Specify the valid credit card tender IDs for initiating credit application. Refer to the following option:
- Credit Application > Require Major CC
- Specify the value supplied to payment authorization clients that allows them to identify the application type to the online authorizer. Refer to the following option:
- Credit Application > Application Type ID
- Collect additional customer information for keyed entry of house account number. For more information, refer to the following sections:
- Enable the real-time prescreen feature. Refer to the following option:
- Loyalty Options > Prescreen Offer Transaction Availability
- Define the information message text using the Configurable Text tool. Refer to the following section:
- Specify the text that is displayed on the Credit Application Results screen.Refer to the following option:
- Custom Text Templates > Custom Text Template ID
- Enable automatic enrollment of new cardholders to loyalty membership. Refer to the following option:
- Loyalty Options > Lookup And Enroll New Cardholders
- Receipt Printing > Enable 16 Digit Member Barcode on Receipt
- Specify which customer information is collected and determine which information is required or optional. Refer to the following options:
- Information Field Definitions > Field ID
- Information Field Definitions > Display Text
- Information Form Definitions > Optional Fields
- Information Form Definitions > Required Fields
- Modify the name of the customer information collection screen. Refer to the following options:
- Information Form Definitions > Display Name
- Information Form Definitions > Info Set Name
- Allow customers to enter their information using a PIN pad device. Refer to the following option:
- Information Form Definitions > PED Input Mode
- Specify which information should be entered by the customer using a PIN pad device. Refer to the following option:
- Information Field Definitions > Is PED Only
- Specify which PIN pad view states are used for customer information collection for each credit application type. Refer to the following option:
- Information Form Definitions > PED Verification View
- Specify which customer information is collected when using a PIN pad device for each credit application type. Refer to the following options:
- Information Field Definitions > Is PED Only
- Information Form Definitions > PED Input Mode
- Information Form Definitions > Info Set Name > CreditApplication1
- Configure the POS to use the PIN pad to collect the social security number for privacy purposes. Refer to the following option:
- Information Field Definitions > Field ID > SSNFullWithPED > Is PED Only
- Collect additional personal information when the new house card account created inside the sales transaction is automatically used for tendering. For more information, refer to the following sections:
- Display an information message when an associate or customer enters an e-mail address that does not pass third-party validation. Permit the associate to return to the view or accept the invalid e-mail format. Refer to the following option:
- Customer Configuration > Bypass Customer Email Validation
- Disable the automatic use of a new house card account as tender during a gift card sale to avoid fraud. During tendering, the application displays a message instructing the associate to change the tender option or void the gift card item in the sale transaction. Refer to the following option:
- Tender Setup > Enable Instant Credit Automatic Tender for Gift Card Sales
- Define the number of seconds the event response is displayed on the PIN pad. Refer to the following section:
- Verifone Point Adapter Configuration fileNote
Retailers have to confirm that the CreditApplicationResultView in the name attribute of the ViewChain element is defined in the DeviceManagerPinPadVerifonePoint.xml file. For more information, consult with an NCR Representative.
- Verifone Point Adapter Configuration file
- Determine the transaction types to enable the Credit Application global key. Refer to the following option:
- Tender Setup > Credit Application Transaction Availability
- Enforce members-specific credit card application. Refer to the following option:
- Credit Application > Member Exclusive Credit Application
- Specify whether to display the Real Time Prescreen information message at the POS where the cashier can select Accept or Decline or display the information in a separate HTML screen. Refer to the following option:
- Loyalty Options > Prescreen Offer Method
- Specify the text to print in the remote credit application chit. Refer to the following option:
- Credit Application > Credit Application Control Source
- Mask the account number printed on the approval chit according to the masking definition for that tender type. Refer to the following option:
- Credit Application > Mask Account Number On Chit
- Disable a specific field from prepopulating on the customer information screen. For example, the date of birth field can be configured to not prepopulate on the Credit Application Customer Information screen, so the customer can enter the correct information through a PIN pad. Refer to the following option:
- Information Form Definitions > Do Not Prepopulate Fields