SALE, VOID, Returns & Standards


SALE

Qualify Sale

Preliminary

'Payment Plan Calculator'

Prior to doing the sale make sure the customer has their valid state issued ID/Driver license, most recent pay stub, check book,and the complete prior month's bank statement..

Use the payment calculator on your GCS merchant page to determine the amount and date of each payment. Ensure the customer's income as shown on their pay stub meets the amount required by the payment calculator. if doing a FastTrack you'll need the customer's last full month bank statement.

PROMPTS

YOUR INPUT

'Your Business Name'

ARC 90 Sale

Insert the check into the reader. It should be face up with the account number against the right edge of the slot.

STATE CODE

If down payment enter the state code from the table matching the state that issued the customer's drivers license.

If not down payment check enter '00' for the state code.

D.L./CHECK DATE

If down payment check enter the customer's drivers license.


If not down payment enter the date of the check in a 'MMDDYYYY' format.

ENTER AMOUNT

Enter the amount of the check.

Response

See the table labeled 'Terminal Responses' below.

Finalize

See the table labeled 'ARC 90 Form' below.


STATE CODES

Alabama 10

Alaska 12

Arizona 14

Arkansas 16

California 18

Colorado 20

Connecticut 22

Delaware 24

Florida 26

Georgia 28

Hawaii 30

Idaho 32

Illinois 34

Indiana 36

Iowa 38

Kansas 40

Kentucky 42

Louisiana 11

Maine 13

Maryland 15

Massachusetts 17

Michigan 19

Minnesota 21

Mississippi 23

Missouri 25

Montana 27

Nebraska 29

Nevada 31

New Hampshire 33

New Jersey 35

New Mexico 37

New York 39

No. Carolina 41

No. Dakota 43

Ohio 44

Oklahoma 45

Oregon 46

Pennsylvania 47

Rhode Island 48

So. Carolina 49

So. Dakota 50

Tennessee 51

Texas 52

Utah 53

Vermont 54

Virginia 55

Wash. DC 56

Washington 57

W. Virginia 58

Wisconsin 59

Wyoming 60



TERMINAL RESPONSES

RESPONSE

MEANING

AUTH NUM xxxxxxG
    or
APPROVED xxxxxxG 		The transaction is accepted and guaranteed predicated on compliance. Ensure all documents are complete.
  1 Checks are filled out.
  2 ARC form is complete.
  3 collect income documents.
AUTH NUM xxxxxxV
    or
APPROVED xxxxxxV 		The transaction is accepted but not guaranteed. Ensure all documents are complete.
  1 Checks are filled out.
  2 ARC form is complete.
  3 collect income documents.
NO ACH xxxxV

The transaction will not be converted to a dedit. Contact GCS for reason.

DECLINED

Transaction rejected. Do not accept check. Call GCS for reason.

ALL OTHERS

If you received a response not listed here it may be an error. See the page labeled 'Error Definitions' for your terminal configuration.


ARC 90 Form

Section

Requirement

The ARC 90 form is a contract for the sale.

Go to your current month's statement and select the 'A' icon next to the customer's name.

Fill in their name and address. Have it signed at the bottom.

The sale is done unless you're doing FastTrack. In which case you'll fax the sale documments along with the fasttrack request to GCS the same date as the sale.  





VOID A SALE
Preliminary In most cases the only time you'll need to void a sale is if the customer has changed their mind about making the purchase or if you discover there was information the customer withheld indicating an inability to make the payments. A fasttrack request that is accepted as a standad G or V code should not be voided unless you are unable to carry a 90 day term or believe the customer will default. The void function does not apply to fastrack since those were funded early.

PROMPTS

YOUR INPUT

'Your Business Name'

Perform the same steps as a normal sale except enter 0 for the amount. Terminal should respond with 'VOID ACCEPTED' A sale may only be voided on the same day the check was authorized.








Returns & Standards

Prompt

Your Response

A fax & e-mail from GCS alerting you to a return   When an item is returned it becomes a claim and will be listed in the claims section of the merchant record. Each claim will have their status listed and is updated in real time.

If a sale is not honored by your customer's bank respond to the retrieval request sent by GCS within the time limits given. GCS also sends an e-mail to the customer who defaulted asking that they contact the store or us immediately.
Procedure   For G code items the limit to respond is generally 3 days but may be shorter if your account is less than 3 months old. An item may be charged back if it doesn't meet the standard of the authorization given, if it's for an uncovered return reason, or the return rate is excessive. Regardless the return reason all claims are pursued for recovery on an equal basis for your benefit.

  For V code items they should be responded to as quickly as possible. V codes, although not guaranteed are treated the same as G codes for purposes of recovery and GCS makes every effort to secure payment for the store.

If a customer who has a return wishes to pay the store directly the store must call us prior to accepting payment. Since GCS is attempting recovery it is likely a debit may already be in process against the customer's account. To avoid customers being double charged GCS must be made aware of these situations before funds are accepted.
Standards The following standards apply to maintain a G code status.

  1   The sale must be done correctly.
  2   The documents for the sale must be accurate and complete.
  3   GCS must have received the documents within the time limits given.
  4   The return reason must be for a covered reason.**
  5   The store return rate in monetary value (bounced items) is under 10% *

The following standards apply to maintain a V code status.

  1   The sale must be done correctly.
  2   The documents for the sale must be accurate and complete.
  3   GCS must receive the documents in order to attempt recovery.
  4   The transaction can not be disputed by the customer.

GCS may alter an approval given if it's discovered there are items that would negatively impact the customer's ability to meet the payment plan. If this occurs the merchant will be notified via e-mail and or fax immediately.

* The recovery rate on prior returns may offset this permitting a higher allowed return rate.
** Covered returns are NSF, Closed, Frozen, Invalid, No Account, Duplicate. and Refer.
      Others are on a case by case basis.
Claims Payment On compliant G code items they are paid by not charging back or they are funded on or about the 10th or 25th of the month. V code transactions are paid once recovered from the customer. Status of recovery on any item is available in the claims section of the merchant record.





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