Credit Card Payment ON LINE
CHS introduced the ON LINE Credit Card payment solution in 2004 using secure wireless technology and partnering with a market leader in electronic payments Direct Payment Solutions
Although credit card payment for unattended machines has been around for many years it has not been widely used due to the high cost of administration and fraud caused by machines not being ON LINE.
The CHS Credit Card solution minimise's risks and reduces administration, delivering funds direct into an Operator's Bank Account overnight automatically. All Card payments are authorised at the time of transaction meaning that reported stolen and lost cards are rejected.
The turnaround time is approximately 3-5 seconds, measured from the parking machine to the issuing bank and back.
What is the difference between the CHS Credit Card ON LINE Payment Solution and other credit card payment solutions being offered for Pay and Displays?
The two main types of credit payment options offered for Pay & Displays are BATCH and ON LINE.
BATCH …uses a simple data collection device to read and check a credit card then stores the transaction until it is downloaded and sent to the bank for processing. (Sometimes referred to as Batch Online)
ON LINE …uses a card reader to read the card which then sends the details direct to the bank for authorisation over a secure line before allowing the transaction. All transaction details are recorded securely outside of the machine at the bank. Funds are automatically transferred to the owner without the need to download data from machines.
| Benefit | Online Method | Batch Method |
| Proven operating history in Australia & NZ for On-Street Parking | NZ - Yes Aus - Yes |
NZ - No Aus - Yes |
| Expired Card can be used | No | No |
| Cancelled Card can be used | No | Yes |
| Reported Stolen Card can be used | No | Yes |
| Credit Card data stored in machine | No | Yes |
| Data secure from end to end with no staff contact | Yes | No |
| Automatic Funds transfer overnight | Yes | No |
| Real Time transaction tracking and details via Web for admin staff | Yes | No |
| Real Time Reports via Web for admin staff | Yes | No |
| Real Time Transaction Refund facility available via Web | Yes | No |
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