Products Purchase with Cash Back Worldline Purchase with Cash Back Simplify everyday life for your customers Shopping and withdrawing cash at the POSWithdraw cash for every payment made with a debit card? This is made possible by the free additional service from Worldline: worldline Purchase with Cash Back is free for the merchant. This means your customers no longer need to make the trip to an ATM or a bank branch because they can easily and conveniently get cash from you at the cash register. The total sum of the purchase and the cash is carried out with one payment. Benefit from offering cash back It is free for you to give cash back as the transaction commission is only calculated on the purchased items.* You can reduce the amount of cash in your cash register and the costs for handling cash. All customers who make a debit card payment to you can use this service, starting from a minimum purchase amount of as low as CHF 10. People will make a special trip to your store to get cash back. This is especially interesting in areas where there are usually fewer cash machines around. *For purchases worth CHF 25 and additional cash back of CHF 100, transaction commission only applies to the CHF 25 value of the purchased items. No additional costsCash back without additional costs for the merchant is available for the following debit cards in Switzerland: Debit Mastercard, Maestro and Visa Debit. The maximum payout amount is CHF 300, while the minimum is CHF 20 and can only be received in connection with a purchase. Added value for all Increased customer loyalty Higher sales opportunities Free additional service Reduced cash in your cash register No fees for your customers to get cash back Low minimum purchase amount for your customers Interested? If so, get in contact with us. We’d be happy to show you how to take advantage of cashless payment options to increase your revenue.Contact Download WL Purchase with Cash Back FAQ WL Purchase with Cash Back What is Purchase with Cash Back? Purchase with Cash Back is a free additional service that cardholders can use in your store, meaning that they can purchase goods and/or services using their card and also withdraw cash at the same time. The purchase price and the cash back amount are approved as part of the same transaction and debited from the debit cardholder’s account. How does Purchase with Cash Back work for your customers? With this free additional service you can dispense up to CHF 300 when your customers pay for their purchase with a debit card. When making their payment at the cash register, the customer simply states how much they wish to withdraw. Requirements for Purchase with Cash Back transactions For Purchase with Cash Back transactions, the cardholder must be present with their card in your store. The transactions may only be carried out if the following requirements have been fulfilled: All transactions carried out with Purchase with Cash Back must be authorised online for the full transaction amount (the card data may not be captured manually at the terminal) – including mandatory PIN entry by the cardholder. Contactless transactions are also possible with the mandatory PIN entry requirement. The cardholder is informed by the merchant of the total transaction amount in advance, and agrees to this. The stipulated limits (minimum purchase amount CHF 10 and range of cash back amounts of between CHF 20 and CHF 300) must be adhered to. The purchase and the cash withdrawal are executed in the same currency. Which prerequisites must you fulfil as a merchant? In order to process Purchase with Cash Back transactions, you require a terminal and an active acceptance contract from Worldline as well as the relevant supplemental agreement for this service. For non cash register-integrated terminals, the “payment with cash” function is simply activated. For cash register-integrated terminals, an extension to the cash register interface software is required. Which debit cards can be used with Purchase with Cash Back? Maestro, Debit Mastercard, Visa Debit WL Purchase with Cash Back is not supported for V PAY. Foreign cards would presumably be declined by the issuing bank. Why does Purchase with Cash Back not work with credit cards? Most banks have not yet activated Purchase with Cash Back for their credit cards. Which fees are applied when using Purchase with Cash Back? No transaction fees are levied on the cashback amount. These fees only apply to the amount of the purchased goods. What happens if I have no more cash in my cash register? You can decline this service to the cardholder. How long does it take to activate Purchase with Cash Back on my cash register system? How quickly your cash register system is set up depends entirely on your requirements for your payment solution and when it is available. Worldline will provide you with free personal access to the test system and to the technical documentation. Setting up your terminal and cash register is very easy. Please ask your contact person at Worldline how long it will take in your specific case. Requirements for the system environment Cash register: TIM starting from version 3.2 Terminals: Yomani, Valina, Yoximo, Yumi, Move/Desk 3500, Lane 5000 - Cash register-integrated: ep2 version 7.0 or higher - The standalone option is only available in ep2 version 7.2 or higher Financial reconciliation: RAF file version 7.1, MRX 1.5 or higher How are Purchase with Cash Back transactions reported in the online portals? The two different transaction amounts (purchase and cash withdrawal) are displayed separately: the amount for the purchased goods and the cash back amount to be taken out of the cash register. This helps with financial reconciliation. What does the receipt look like? What is displayed on it? The two amounts (purchase amount and cash back amount) are displayed separately. How do I know if a transaction has been successfully processed? If the transaction was successful, a short text such as “Payment processed” or “Authorisation successful” will be shown on the receipt. Alternatively, the function “Sales summary” or “Sales report” gives you a printout that shows all transactions since the last POS reconciliation. Please refer to the user manual for your terminal for information on how to access this feature. Are there any costs for the cardholder? That depends on the cardholder’s bank. The bank may charge fees. Products Point of sale solutions POS Payment TerminalAt Worldline, it doesn’t matter how large or small your company is or what sector you operate in: you can choose from a broad range of secure, reliable and efficient payment terminals to find your ideal cashless payment solution. Products Tailored support with Worldline service packagesOur comprehensive range of service packages means Worldline can offer you precisely the kind of support your company needs. So no matter what happens, you can rely on our professional assistance anytime, anywhere! Products Service and support for your company Service and support for your company Full services for commercial network operation provide you and your business with seamless and reliable support in all areas.