Cash Only is a banking transaction where a cardholder can withdraw money by using the Terminal. In this feature, the merchant provides cash to the customers without making a purchase transaction. Cash only transactions can be carried out by using both debit and credit cards.

It can be performed through manual PAN Key Entry (PKE), swipe card, insert chip card, and contactless functionalities.

Activity

PKE

Host and Terminal

Receipt

Sequence

Step	Screen	User Action	Terminal Action
1.0		Press  button on the idle screen to open the menu.	Skip to the next step.
1.1		Select Transaction.	It allows the merchant to select the available transaction type. Proceed to the next step.
1.2		Scroll through the Transaction menu to select Cash Only transaction.	The Cash Only is enabled in TERMINAL_FEATURE -> CASHONLY_ENABLED. If selected Cash Only transaction, proceed to the next step. If  key is pressed, proceed to step 3.3.
1.3		Enter the amount of cash to be withdrawn and press  key.	Proceed to the next step. If  key is pressed, proceed to step 3.3.
1.4		Select any one of the below options to make the transaction: Insert chip card Swipe card Manual key entry Tap contactless card	The card technologies are enabled based on the below configurations: EMV_TERM_CONFIG -> CONTACTLESS_ENABLED,EMV_ENABLED TERMINAL -> MANUAL_ENTRY_ENABLED For Chip Insert Mode: If chip data is validated, proceed to step 2.1. If the card is not inserted properly or chip data is not validated, proceed to step 2.7. If the chip failure, swipe the card only when the fallback option is enabled in EMV_TERM_CONFIG table -> TECHNICAL_FALLBACK_ENABLED and proceed to step 1.5. If the card is removed before transaction processing, proceed to step 3.0. For Swipe: If the card is swiped properly, proceed to step 1.5. If the card is not swiped properly, proceed to step 2.8. For Manual Card Entry: If the card number is keyed in, proceed to step 1.6. For Contactless: For contactless cards, the transaction limit is configured in EMVCT_SCHEME_CONFIG table -> TXN_LIMIT. If the contactless card is read correctly, proceed to step 2.1. If the contactless card is not read correctly, proceed to step 2.9. If the card is not presented within the time-out period that is configured in TERMINAL table -> USER_ENTRY_TIMEOUT, proceed to step 3.2. If  key is pressed, proceed to step 3.3.
1.5		Enter PIN and press  key.	For the correct PIN, proceed to step 2.1 For incorrect PIN, proceed to step 3.1 If PIN Bypass is supported, proceed to step 2.1. If the PIN is not entered within the time-out period which is configured in TERMINAL table -> PIN_ENTRY_TIMEOUT, proceed to step 3.2. If  key is pressed, proceed to step 3.3.
1.6		Enter Card Number and press  key.	Proceed to the next step. The length of the card number is configured in CARD table -> MIN_PAN_DIGIT: 12 and MAX_PAN_DIGIT: 19. If  key is pressed, proceed to step 3.3.
1.7		Enter the Expiry Date of the card which is in ‘MM/YY’ format. Press  key.	If the correct expiry date is entered, proceed to the next step. Expiry date check is enabled in CARD table -> EXPIRY_DATE_CHECK_ENABLED. If the incorrect expired date is entered, the terminal displays Invalid Date. Proceed to step 2.6. If  key is pressed, proceed to step 3.3.
1.8		Enter the 3 digit CVV number which is present at the backside of the card. Press  key.	If the correct CVV is entered, proceed to step 2.1. If an incorrect CVV is entered and the host has declined the transaction, proceed to step 3.4. If CVV is bypassed, proceed to the next step. If an invalid CVV is entered with less than 3 digits, proceed to step 3.5. If  key is pressed, proceed to step 3.3.
1.9		Select the relevant reason for CVV bypass and press  key to proceed with the transaction.	Skip to the next step.
2.0		None	The application tries to communicate to the host and authorise it.
2.1		None	The terminal has received an approval response from the host. Proceed to the next step.
2.2		Press  key to generate a customer copy. If not required, press  key.	The terminal prints the merchant receipt if pressed  key. If the merchant does not provide input within 3 secs, the customer copies prints automatically. If  key is pressed, proceed to step 1.0. Once the transaction is done if the chipcard is still inserted in the terminal, proceed to the next step.
2.3		Remove card	The terminal prompts the user to remove the chip card before going back to the main menu.
2.4		Press  key or user timeout.	Goes back to step 1.6.
2.5		Press  key or user timeout.	Goes back to step 1.8.
2.6		Press  key and insert the card again.	If the card is read properly, proceed to step 2.1. If cancelled, proceed to step 3.3.
2.7		Press  key and swipe the card again.	If the card is swiped properly, proceed to step 2.1. If cancelled, proceed to step 3.3.
2.8		Press  key or retap the contactless card again.	The user can also select other transaction types. If the manual is selected, proceed to step 1.6. If the card is inserted and validated, proceed to step 2.1. If the card is swiped properly, proceed to step 2.1. If cancelled, proceed to step 3.3.
2.9		Press  key or user timeout.	Goes back to step 1.0.
3.0		Press  key or user timeout.	Goes back to step 1.0.
3.1		Press  key or user timeout.	Goes back to step 1.0.
3.2		None.	Goes back to step 1.0.

Business Rules

1. Minimum Cash Limit:

After the merchant enters the amount of cash required by the customer and inserts/swipes/enter the card, the Terminal verifies the amount against the minimum cash limit.

If the amount entered is below the minimum cash limit, the Terminal will display an error message and request the merchant to re-enter the amount.

2. Cashback:

When Cash Only is to be used, the Terminal does not support Cashback.

3. Error Handling:

In the event of an application being unable to read the ICC, an attended Terminal provides the option to process a transaction even if the first insert fails.

The user is prompted to re-insert the ICC. If the chip error persists, then the user is prompted to swipe the card. The card can be swiped or inserted 3 times, after which the transaction declines.

All magnetic stripe fallback transactions shall be flagged as such in BOTH authorisation and settlement messages.

All transactions that fall back from ICC to magnetic stripe shall be online authorised by the card issuer.

4. Receipt Printing:

Invariably, prints the Merchant copy. Prints customer copy on user’s choice.

Configuration