Setting up merchant bank terminal in Torgsoft

When merchant settings should be checked

• When connecting a new bank terminal.

• If several sole proprietors work on one workstation.

• After changing the sole proprietor, software cash register, or settlement account.

• When the payment goes through, but the funds are credited to the wrong account.

• If card refunds are unavailable or end with an error.

How to understand that the issue is related to the merchant

• Cashless payment is credited to a different sole proprietor than cash payments.

• The payment goes through, but a different merchant is indicated on the fiscal receipt.

• Terminal error: card not supported.

• Error: the refund amount exceeds the payment amount.

• Program error: fmBankTerminalWS already exists.

• Communication error: error No. 3 or CANCELLED.

• Message: Transaction log is full.

• During a refund: payment RRN not received.

Why transactions go through the wrong merchant

1. Incorrect merchant for the «Payment» or «Refund» operation. The settings contain a Merchant ID linked to a different account.

2. Several sole proprietors on one PC. The default settlement account was not switched before the sale.

3. Automatic merchant detection. The merchant name or number does not match the data in the terminal, so the system selects the first available one.

4. Loyalty programs (Bonus+). A merchant with a bonus program is used for ordinary cards or for refunds.

5. Terminal or communication technical failures. Transaction log overflow, unstable RDP, or network issues.

How to check and correct merchant settings

1. Check merchants in Torgsoft

Settings → Parameters → Bank terminal

• For each operation (Payment, Refund), the correct Merchant ID must be specified separately.

• The Merchant ID must correspond to the account of the specific sole proprietor.

2. Funds are credited to the wrong place

• Check which sole proprietor is active on the payment form.

• Make sure the correct merchant is selected for that sole proprietor.

• If automatic order import is used (online sales), check on which cash register they are fiscalized.

3. Error «Card not supported»

Typical for PrivatBank terminals with the Bonus+ program.

Action:

• Use:

• the main merchant (regular cards);

• a separate bonus merchant (PrivatBank cards).

• If the error appears for no apparent reason, temporarily set the merchant number to 0.

4. «The refund amount exceeds the payment amount»

• Cause: a bonus merchant (actual credited amount ≠ charged amount).

• Solution: register a second merchant without Bonus+ and process refunds through it.

5. fmBankTerminalWS already exists

• Completely close and relaunch Torgsoft on this PC.

• This is a local component initialization error.

6. Error No. 3 / CANCELLED (RDP)

• Cause: unstable connection channel.

• Recommended:

• BPOS1 protocol (with confirmation wait);

• connecting the terminal via Ethernet (LAN).

7. Transaction log is full

• On the terminal itself, perform:

• Shift closing or

• Z-balance.

8. «Payment RRN not received»

Typical for Verifone terminals (for example, X990).

• Enter the authorization code from the receipt manually when processing the refund.

• Cause: the bank library does not transmit the RRN automatically.

How to verify that the merchant is configured correctly

1. Make a test payment (1–2 UAH).

2. Check the Merchant ID on the terminal receipt.

3. Check the bank statement — the funds must be credited to the correct account.

4. Perform a test refund.

How to avoid mistakes when working with merchants

• Use a static IP address for the terminal.

• For Ingenico terminals, create separate merchants for payments and refunds.

• For the BPOS protocol (refunds):

• service parameter: 0054//RRN;

• the «Use service» option must be enabled.

• Regularly reconcile data using the «Get terminal information» function.

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