====== Card payment ======

With PIN-secured EC/credit online clearing, which is fully integrated into the checkout payment process, the checkout closing and checkout cut of the payment terminal match perfectly.\\
Pcc can be used with various payment terminals ("EC devices"). There are three different ways in which Pcc comes into contact with the terminals. Two of these are available in Germany. The third has been developed for the terminals widely used in Switzerland:

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**[[zvt|ZVT]]**

Pcc "communicates" directly with the payment terminal. This usually takes place via the existing LAN - however, serial connections are also possible if required. In general, the device must support the ZVT cash register protocol. Further information on this can be found in the sub-chapter [[zvt|ZVT protocol (DA systems, TeleCash, Concardis, ...)]].

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**[[sixcardsolution|SIX]]**

All POS-integrated devices from SIX Payment Services can be used with Pcc. You can find out more in the subchapter [[sixcardsolution]] .

===== Designations change... =====

What used to be more or less standardised //EC// (for EuroCheck) (but actually meant different, mutually unaccepted card systems in Germany and Switzerland) is now called //electronic cash//, //Girocard// or //Maestro//.

In this documentation, the term //EC// (EC card, EC terminal) is usually used in this documentation, even if it refers to Girocard or Maestro.

^                       ^ Germany         ^ Switzerland        ^ Austria ^ USA ^ UK    |
^ online with PIN     | electronic cash //or// Girocard   | Maestro        | Maestro    |     |              |
^ offline, impersonal | [[wpde>GeldKarte ]] (electronic purse) | [[wpde>Cash_(Geldkarte)|CASH]]| [[wpde>Quick_(Geldkarte)|Quick]]|     |              |
^ Cash is available at...  | ATM     | ATM     | ATM   | ATM | Cash machine |


===== Situation in Germany =====

[[wpde>Debitkarte#Deutschland|Debit cards Germany]]

Foreign Maestro cards are still rarely accepted in shops, as additional contracts (involving additional costs) have to be concluded. In most cases, there are only contracts for //electronic cash// (//Girocard//), which is a national debit card system.

===== Situation in Switzerland =====

[[wpde>Debitkarte#Schweiz|Debit cards Switzerland]]

There is no longer a national system ((apart from Postcard)). The usual debit cards are Maestro cards. Where Maestro is accepted, foreign Maestro cards are also always accepted.

The German term "girocard" did not and does not exist in Switzerland. Electronic cash" is also a German term that should not be used in Switzerland, also because there is a risk of confusion with "CASH": this is the "electronic cash" on Swiss Maestro cards for car park and public transport tickets etc. up to a maximum of CHF 300.

Market leader in card-based cashless payment transactions:\\
[[wpde>SIX Group|SIX Payment Services]]\\
[[wpde>SIX Card Solutions|SIX Card Solutions]]

===== Situation in Austria =====

The national system //ATM// is in //Maestro// system. However, there are shops that only accept Austrian Maestro cards.

Market leader in card-based cashless payment transactions: [[wpde>Paylife]]

There are more:

  * http://www.cardcomplete.com
  * http://www.firstdata.at
 

===== Abbreviations =====

^ PIN | Personal Identification Number | Personal identification number |
^ ZVT | Payment transaction terminal | Terminal consisting of pinpad and card reader |
^ PT  | Payment Terminal          | Terminal consisting of pinpad and card reader |
^ EC  | //formerly// EuroCheck       | today in Germany //electronic cash // |
^ EFT | Electronic Fund Transfer   |                                 |
^ POS | Point-Of-Sale              | Point of sale      |
^ ECR | Electronic Cash Register   | Cash register          |
^ MPD | Multi-Protocol-Driver     | Software from SixCardSolutions   |

===== EC terminal in the customer terminal =====

Information on configuring the OPP - C60s can be found at **[[zvt_sbterminal|EC customer terminal]]**