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QuestionHow to make POS payments to bank? Pin
Member 1059798819-Feb-14 15:13
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jschell20-Feb-14 8:38
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Member 10597988 wrote:
How do I make my POS application accept EFT payments?


That is more complicated that it sounds but basic steps are
1. Determine the stores bank and insure that the bank will accept EFTs into the business account.
2. Find a service provider that will deal with the bank. And determine cost.
3. If both of the steps above allow you to move ahead then....
4. Find a check reader (the hardware). Find the API and write a code layer to deal with that.
5. Find the API for the service provider (step 2). Write a code layer to deal with that.
6. Certify with the service provider. This insures that 4/5 work that the service provider will now accept payments.
7. At least in my experience there was also an expectation that the image from the hardware was reviewable in the POS application.

Impacts to the above are the transaction volume that the store already does. More volume means more negotiating room both for per transaction fees and what hoops the bank will dance through.

I have found it a good practice to write a simulator for the service provider API. That is because they almost never provide a full range of error possibilities. Sometimes they have no way to test at all. And I have never found one that allows for disconnect errors.


Member 10597988 wrote:
Are there any FREE 3rd part tools for it?


Depends on what you mean but basically no. You will pay for the hardware. And you will pay for the service provider. Not sure if you will need to pay a fee for the certification process. The APIs for the hardware and service provider are free. I didn't find the happy path usage of either one difficult. The difficulty is in learning about the specifications in the first place and dealing with the error cases.
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