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

The cash desk and cashier's section of the payment terminal work perfectly with the PIN-secured EC / Credit online clearing, fully integrated in the cash payment process. \\
Pcc can be used with various payment terminals ("EC devices"). We distinguish three ways in which Pcc contacts the terminals. Two of them 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 number terminal. This is usually done via the existing LAN - but if necessary, serial connections are also possible. Generally, the device must support the ZVT cash register protocol. Further information can be found in the sub-chapter [[zvt|ZVT-Protokoll (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 more in the sub-chapter [[sixcardsolution]].

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

What was generally known as //EC// (for EuroCheck) (but had different meanings in Germany and Switzerland), is now  called //electronic cash//, //Girocard// or //Maestro//.


This documentation mostly uses the term //EC// (EC card, EC terminal), even if it is referring to other types of cards, like Girocard or Maestro.

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


===== In Germany =====

[[wpde>Debit card#Germany|Debit card, Germany]]

Foreign Maestro cards are still rarely accepted in stores as additional contracts must be made (additional cost). Usually, contracts exist only for // electronic cash // (// Girocard //), which is a national debit card system.

===== In Switzerland    =====

[[wpde>Debit card#Switzerland|Debit card, Switzerland   ]]

There is no national system anymore (apart from Postcard). The usual debit cards are Maestro cards. Foreign Maestro cards are accepted whenever local maestro cards are.
The German term "Girocard" did not exist in Switzerland. Also "electronic cash" is a German term that should not be used in Switzerland, it might be confused with "CASH": this is the "electronic cash" on Swiss Maestro cards for parking and public transport tickets, etc. to maximum 300CHF.

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

===== In Austria =====

The national system // ATM // has merged into // Maestro //. However, there are shops which only accept Austrian Maestro cards.

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

There is also:

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

===== Abbreviations=====

^ PIN | Personal Identification Number | Personal Identification Number |
^ ZVT | Payment Traffic Terminal | Terminal consisting of pinpad and card reader |
^ PT  | Payment Terminal | Terminal consisting of pinpad and card reader|
^ EC  | //previouslu// 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=====

For information about configuring the OPP - C60s, see **[[zvt_sbterminal|customer terminal]]**