Inhaltsverzeichnis

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.
PC CADDIE can be used with various payment terminals („EC devices“). There are three different ways in which PC CADDIE 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:

ZVT

PC CADDIE „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 protocol (DA systems, TeleCash, Concardis, ...).

SIX

All POS-integrated devices from SIX Payment Services can be used with PC CADDIE. You can find out more in the subchapter Worldline (Six Payment Services) .

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 GeldKarte (electronic purse) CASH Quick
Cash is available at… ATM ATM ATM ATM Cash machine

Situation in Germany

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

Debit cards Switzerland

There is no longer a national system 1). 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:
SIX Payment Services
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: Paylife

There are more:

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 EC customer terminal

1)
apart from Postcard