Poynt Terminal Credit Card Rejection Troubleshooting -... | terminalfaults.org

Technical Background:

Credit card processing involves communication between the terminal, payment processor (e.g., GoDaddy), and the card issuer. Rejection can occur due to data corruption during transmission, incorrect terminal configuration, communication errors, or restrictions imposed by the card issuer or processor. EMV chip processing relies on secure cryptographic protocols; failure can stem from voltage drops or signal attenuation affecting the chip reader. NFC transactions are susceptible to EMI/RFI interference. Payment applications must be updated regularly to maintain PCI compliance and compatibility with evolving card technologies.

Symptoms:

Poynt terminal consistently rejects certain credit cards during transaction attempts.

Possible Causes:

Incorrect merchant category code (MCC) configuration within the Poynt terminal or GoDaddy's processing system, leading to certain card types being blocked.
Outdated payment application software on the Poynt terminal, lacking compatibility with newer card security features or protocols.
Network connectivity issues (Wi-Fi or Ethernet) causing transaction timeouts or incomplete data transmission.
EMV chip reader malfunction due to accumulated debris or physical wear, resulting in failed chip reads.
NFC (Near Field Communication) antenna degradation or interference, preventing contactless payment processing.
GoDaddy payment gateway experiencing temporary outages or service disruptions, affecting transaction authorization.

Solution:

1

Verify network connectivity (Wi-Fi or Ethernet) on the Poynt terminal. Check signal strength and ensure a stable connection.
2

Reboot the Poynt terminal by Safe Handling: unplugging the power adapter, waiting 30 seconds, and plugging it back in.
3

Check for software updates on the Poynt terminal. Install any available updates to ensure compatibility with the latest card technologies and security protocols.
4

Inspect the EMV chip reader for any visible debris or damage. Clean the chip reader slot using a dry, lint-free cloth. Do NOT use liquids or compressed air.
5

Test the terminal with multiple credit cards from different issuers to determine if the issue is isolated to specific cards or card types.
6

Contact GoDaddy's payment processing support to inquire about any known outages, MCC configuration issues, or processing restrictions affecting the Poynt terminal.
7

If NFC transactions are failing, attempt to process the card via chip or magstripe to isolate the source of the problem.

Safety Warning:

Electrical Shock Hazard: Always unplug the Poynt terminal from the power outlet before performing any cleaning or maintenance. Do not use liquids to clean the terminal, as this could create a short circuit or electrical hazard. Do not attempt to open the Poynt terminal casing, as this may trigger anti-tamper mechanisms and void the warranty. Potential for static discharge, especially in dry environments. Ground yourself before touching sensitive components.

Prevention:

Regularly clean the Poynt terminal's touchscreen and card reader slots using a dry, lint-free cloth. Ensure stable network connectivity by placing the terminal within range of a reliable Wi-Fi signal or connecting it to a wired Ethernet connection. Implement cable strain relief measures to prevent damage to the power adapter and network cables. Apply ESD mitigation strategies, especially during dry months, such as using anti-static mats.

Expert Tip:

Attempt a 'forced update' by pressing and holding the power button for 10 seconds to initiate a factory reset (note: This will likely require you to re-enter your merchant information). Before doing this, record your existing settings. Also, check the terminal's internal logs (if accessible) for specific error codes related to transaction failures. Contact GoDaddy with these codes for faster troubleshooting.

Frequently Asked Questions

•What is the merchant category code (MCC) currently configured on the Poynt terminal?

The MCC determines the type of business you are operating and can affect card acceptance.

•Are there any error messages displayed on the Poynt terminal screen during transaction attempts?

Specific error messages can provide valuable clues about the cause of the rejection.

•What is the version of the payment application software currently installed on the Poynt terminal?

Outdated software can cause compatibility issues with newer cards.

Technical Background:

Symptoms:

Possible Causes:

Solution:

Safety Warning:

Prevention:

Expert Tip:

Frequently Asked Questions

•What is the merchant category code (MCC) currently configured on the Poynt terminal?

•Are there any error messages displayed on the Poynt terminal screen during transaction attempts?

•What is the version of the payment application software currently installed on the Poynt terminal?

Related questions

Technical Background:

Symptoms:

Possible Causes:

Solution:

Safety Warning:

Prevention:

Expert Tip: