Help Centre – Mobile Paymentsback to iFAC main

Transform your smartphone or tablet into a sleek and portable point of sale system, and take payments anywhere.

Simply download the iPhone, iPad or Android applications and plug the Beanstream Card Reader into the audio jack of your smartphone or tablet. Swipe the credit card, capture a signature, and email or print a receipt all from the convenience of your mobile device. Until you receive the reader from Fifth Avenue Collection head office, you can key your transactions into the payment application.

Beanstream Mobile is completely secure. No sensitive data is ever saved on your mobile device.

  • 2.65% FLAT RATE - swipe or keyed transaction - this is a Fifth Avenue Collection preferred rate (simply put, standard keyed rate is always much higher as the customer credit card is not present - 3.5% + $0.15/transaction for Square, 2.95% + $0.15/transaction for Moneris, 3.30% for Intuit; can be even higher with these other processors for corporate cards).
  • $0.15 per transaction
  • CREDIT CARD READER - You purchase the card reader for only $29.95. No monthly fees.
  • We have made it even easier for you. Fill out an online application and once approved, you are able to accept payments immediately.

BEFORE YOU GET STARTED, YOU WILL NEED:

  • Your banking information found at the bottom of your cheque:
    • Institution Number
    • Branch Transit Number
    • Account Number
  • Less than 10 minutes of time to complete your application form.
  • Approval takes 1 Business day or less.
  • ONCE APPROVED, YOU ARE ABLE TO ACCEPT PAYMENTS IMMEDIATELY.
  • Follow the simple instructions from Beanstream to receive settlement into your selected bank account.
  • GO HERE FOR THE ONLINE APPLICATION FORM
  • Any questions with the credit application process, just call Beanstream Support and they will be happy to help you — 1-888-472-2072
  • If you are not approved on line, don't panic, just call Beanstream and ask for their Credit Department — 1-888-472-2072. They will get you set up.

Any questions, please contact jbates@fifthavenuecollection.com or call the office at 306.694.8188.

What are my next steps?

We have compiled a list of Frequently Asked Questions to help you understand why we you should use the Beanstream Credit Card reader over other readers available like Square, PayAnywhere, or Moneris.

Why Beanstream?

  • You will receive the lowest rates for mobile payments; lower than Square, PayAnywhere, and Moneris.
  • NO HIDDEN FEES
    Despite what they tell you, other solutions hide fees and change settlement times.
  • NO FIXED-TERM CONTRACTS
    You only pay when you use it.
    No commitments or long-term contracts with each of our accounts.
  • NO SURPRISE CANCELLATION OF ACCOUNTS
    Some providers will do a credit application only have you reach a certain amount processed per month and have been known to cancel accounts if you do not meet their merchant criteria.
  • NO MONTHLY FEES
    No monthly minimum sales amounts and no statement fees.
  • NO SETUP FEES ON STANDARD PROCESSING ACCOUNTS
    There are no surprise setup fees when you apply online with Beanstream.
  • SECURE
    The reader is encrypted from end-to-end so you're safe and secure and your customer's information is safe and secure.
  • INTEGRATION
    We will be launching other exciting tools over the next few months using Beanstream's latest solution
  • EXTENSIVE REPORTING
  • LEADERS IN THE PAYMENTS INDUSTRY
    Beanstream was acquired by Digital River in 2013- the combined companies now manage payments activities of over $20 billion in annual transactions and have over 60,000 clients worldwide. The power of Digital River’s and Beanstream’s integrated technologies will maximize your FAC business with comprehensive payments solutions.

Dependability

You get rock-solid products out of the box

  • Successful swipe on the first try
  • The card reader is designed to last for 100,000 swipes and is so durable it will last longer than your phone.
  • Beanstream has an extensive online help centre

Expertise

Beanstream, Digital River, and Fifth Avenue Collection have been a leaders in their industry for several years, working together we will bring jewellers the latest secure technologies to help you increase your business.

  1. Great Interface

    • Easy-to-use, elegant, powerful, and intuitive
    • iPhone (3GS, 4, 4S, 5, 5C, 5S, 6, 6 Plus) for secure sales on the go
    • iPod Touch
    • iPad Mini or iPad - *special note, use iPhone app on both your iPhone and iPad; iPad application not applicable to FAC
    • Android (See Note for Android Devices Supported)

    Security

    The Beanstream team are encryption gurus. No customer data is ever stored on your mobile device.

    Authentication exceeds all banking Know-Your-Customer Requirements.

  1. Extras

    Beanstream will go the extra mile.

    • Multi-currency support – switch on the fly
    • Record cash and check sales
    • Email, text, or print receipts directly from the app

FREQUENTLY ASKED QUESTIONSGo back to top of frequently asked questionsBack to FAQ main

How long does it take to get set up?

Once Beanstream has received your documentation requirements, your account will be setup from 1 - 3 business days.

What devices support Beanstream mobile payment processing?

  • iPhone (3GS, 4, 4S, 5, 5C, 5S) for secure sales on the go
  • iPod Touch
  • iPad Mini or iPad - *Special note, use iPhone app on both your iPhone and iPad; iPad application not applicable to FAC
  • Android (See Note below)

*If your phone does not meet the minimum iOS 5.1 requirements see this link.

Note on the support of Android devices

The Beanstream mobile Android application and mobile card reader are configured to work with a specific model number for each device. Many mobile phone carriers have performed minor tweaks to each phone, resulting in a different model number even though it is branded as the same phone. For example, there are several model number variations of the Samsung Galaxy S3.

They have confirmed that the devices listed below are compatible with our secure card reader. However, if you are receiving the device pop-up message stating that the card reader is not supported on your phone, it may be due to these variances in the device's model number. See Android Configuration Files by Device.

The configuration files listed below use the same settings as our supported phones, but without the restriction on model number. If you save one into your device download folder, our application may be able to recognize the card reader.

To save a specific file, long press on the link and wait for the dialog box to appear. Then press save link. If the save link option does not appear in the dialog box, try using a different browser such as Chrome.

Warning: If you try to download multiple profiles for your phone, be aware that you will need to delete or overwrite the existing file when downloading a new one. In many cases downloading a second one will result in a second file with a 1 at the end of the filename.

For more information or to download the latest configuration files: http://support.beanstream.com/docs/support-of-android-devices-important-note.htm#AndroidConfigFiles

PricingGo back to top of frequently asked questionsBack to FAQ main

Transaction limit increase

We want your business to succeed. If you find you’re processing transactions too large for the current limit on your account, please contact Beanstream Client Services at support@beanstream.com to request a transaction limit increase. Be prepared to provide information such as your merchant ID, how high you would like your new limit to be, so that they can quickly review your request.

Cancelling Beanstream mobile payment processing service

If you choose to disable your account please contact Beanstream support with your merchant details at support@beanstream.com.

What types of payments can I process?

Beanstream’s mobile payment processing not only accepts payment from your customer’s credit cards, but also provides a sales terminal. You can record all details of your credit card, cash and check transactions as well as access comprehensive transaction records. You may find this useful for your year-end process.

What credit cards can I process?

You may process payments by Visa or MasterCard. Contact Beanstream if you wish to process other cards such as American Express and Discover.

SecurityGo back to frequently asked questionsBack to FAQ main

How secure is Beanstream mobile payment processing?

Beanstream mobile payment processing meets the rigorous PCI (Payment Card Industry) security standards with added extra security controls to protect card data:

  • When you swipe a customer card, the data is immediately encrypted and rendered unreadable to anyone attempting to intercept card information in transit.
  • The Beanstream app is passcode protected and requires users to know all three pieces of login information to gain access to process transactions. If you believe your system has been compromised, you can update your credentials anytime and anywhere through their secure online portal so there is no need to worry when losing your phone.
  • Card data is registered in the Beanstream Mobile app as a masked numerical value. Even partial card data is never stored on your phone.
  • To process the transaction, data is encrypted again and sent through Beanstream’s PCI Level 1 compliant payment gateway. This is the same secure gateway technology used to safely process millions of transactions since they opened their doors in 2000.
  • At the end of the transaction process, customers sign their receipts so this duplicates the standard retail scenario, where you can check their signature matches the card signature.
  • Beanstream will set your account velocity limits at $750 to protect your business. If your activity exceeds this expected threshold, they’ll notify you for an increase and increase accordingly.

I lost my mobile device!

No sensitive cardholder data is stored on your mobile device, so losing it poses no data security risk. However, we recommend updating your passwords within the online member area to ensure that unauthorized users don’t get access to your account. To reset your password:

  • Log in at https://www.beanstream.com/admin/sDefault.asp
  • Go to Administration > User Manager in the left menu
  • Highlight Your Name under the User Manager list and click Set Password
  • Follow the directions on the “Change Account Password“ dialogue box.

Card ReaderGo back to frequently asked questionsBack to FAQ main

How do I obtain my card reader?

Beanstream card reader Once your mobile account is approved, you need to purchase your Beanstream card reader from Fifth Avenue Collection head office; we have co-branded our readers with the Fifth Avenue Collection logo. We will ship the reader to you with your showcase or next jewellery order.

Setting up the card reader

Your card reader plugs into the audio jack of your mobile device. Set the audio jack volume to maximum. It may take a few moments for the device to register when first loading the app or inserting the card reader. Look for the swipe icon on the “Sale” screen to confirm that your reader is properly connected.

Can I use a card reader from another company?

No. The Beanstream mobile app has been designed to work with only the Beanstream card reader we supply. Their card reader leads the industry in providing accurate reading with the first swipe. It is also designed to thousands of swipes.

What if the card reader is not working?

Note: if the card isn’t reading you can still complete the sale by manually keying in the transaction.

Make sure:

  • The card reader is properly inserted into the audio jack on your device – the jack is long enough to insert properly into most heavy duty protective devices, but remove the case to ensure the jack is fully engaged
  • The volume is set to maximum (this is necessary for it to operate properly!)
  • To check the audio jack contains no dust or lint; this can stop the reader from properly connecting to the phone

If the card reader still does not work, please contact Fifth Avenue Collection Customer Support: 1.306.694.8188 or

e-mail: jbates@fifthavenuecollection.com

Downloading The AppGo back to frequently asked questionsBack to FAQ main

How do I download the app?

The Beanstream Mobile App can be downloaded by accessing the following App Store links:

Updating the app software

When newer versions are available you will be able to click on a Update button through the following App Store links:

Will the app work with other card readers?

No, only the Beanstream card reader is specially designed to work with the Beanstream Mobile App and encrypt the card data the moment it is swiped.

Setting up the app – transaction optionsGo back to frequently asked questionsBack to FAQ main

Logging in

When you sign up for Beanstream mobile payment processing, as the account administrator, you will be sent an email with a login name and password to access the system.

To log in the app:

Login screen
  • On your mobile device, sign in with your Company Name, User Name and Password
  • If you wish to store the login information, choose On for Remember Me
  • Tap Sign In

If you’re having difficulty connecting, make sure that you’re typing the logins exactly as they appeared in the welcome email – case matters!

If you continue to have troubles logging in, please contact Beanstream Client Services at 1-888-472-0811 or support@beanstream.com.

Troubleshooting the app

If you have difficulty with the app, try the following:

  • Power cycle your device without the reader attached, and then login to the app again
  • Try deleting the app from your device then reinstalling from the apps store
  • Perform a "force quit" to close it and then re-open it

If you’ve tried the above and continue to experience issues, contact support@beanstream.com.

Choosing your app settings

After you download the app, you can customize your processing options through a series of simple set up screens.

Accessing the “Settings” screen for iPhone, iPad, or Android*:

  • After you have logged in, you will see a “Home” screen
    Home screen
    *Images shown are for iPhone but Android functionality is comparable
  • Tap the Settings button
    Settings screen

Choosing your user account and currency options

Accounts: If you want to have additional people processing payment on your Beanstream mobile account, you can add additional user accounts, each with a unique username and password. You are able to create as many user accounts as you need to, allowing each the ability to use the mobile app on their own device and/or have the transactions completely tracked under their name.

There are two steps:

1) Create an additional user to the online member area
2) Add the new user by changing the Accounts and Currencies on the "Settings" screen of your app
  • Tap Accounts and Currencies
  • Enter the Company Name, User Name, and Password EXACTLY as listed in the online member area (iPhone, iPad, or Android users tap next between each item)
  • Tap Done

 
iPhone, iPad, or Android
Add account screen
Now users can tap the Accounts and Currencies to toggle user accounts between transactions

Currencies:

To process transactions in both Canadian and US currencies, you need to have signed up to process in both currencies and will be issued separate user names and passwords for each. You will need to log in once to each currency account in the mobile app to have your settings stored.

Once your currency settings are stored, you can switch between currencies:

  • On the "Settings" screen, tap Accounts and Currencies option
  • Tap the Account which has the associated currency you wish use

Note: iPhone, iPad, or Android users can also change currencies during the transaction process

Choosing your processing options

On the “Settings” screen, tap Processing options

For iPhone, iPad, or Android users
Options screen
 

Customize the level of transaction detail to be collected with each order by turning On or Off the following:

  • Cardholder Name: Turn On if you wish to record the cardholder name as part of the transaction
  • Postal Code/Zip Code: Turn On if you wish to record the cardholder postal code as part of the transaction
  • Order Number: (iPhone, iPad, or Android only) Turn On if you want to enter and record an order number while processing a sale or pre-authorization
  • Pre-Authorizations: Turn On if you want to process pre-authorizations
  • Printing/Receipt Printing: (Apple devices only) Turn On if you have the ability and choose to AirPrint a receipt with a transaction. Learn about receipt options
  • Tips: Turn On you want your customer to be able to leave a tip or gratuity with their credit card purchase. Learn more about tips

Setting up your online member accountGo back to frequently asked questionsBack to FAQ main

Logging in and passwords

When you sign up for service, as the account administrator, you will be provided with a login name and password to access the system. You can use the same login information for your mobile app and your online member area at https://www.beanstream.com/admin/sDefault.asp.

I cannot log in

If you cannot login, make sure that you’re typing your login exactly as they appeared in the welcome email - case matters! If you continue to have problems, please contact Beanstream Client Services at 1-888-472-0811 or support@beanstream.com.

I forgot my password

If you have forgotten your password, you need to reset through the online member area:

Note: you can prevent logging in each time you restart your app by choosing On for Remember Me in your app settings. This will save your login credentials.

Creating additional users

If you want to have additional people processing payments on your Beanstream mobile account, you can add additional user accounts, each with a unique username and password. You are able to create as many user accounts as you need to, allowing each the ability to use the mobile app on their own device and/or have the transactions completely tracked under their name.

There are two steps.

1) Add a new user to the online member area:

  • Log in to the online member area at https://www.beanstream.com/admin/sDefault.asp
  • Go to Administration > User Manager in the left menu
  • Click Add user
  • In the pop-up window that appears, enter the full name and email address of the staff member that will be using the account and a short login name. Enter a secure case-sensitive Password with eight alphanumeric characters with a minimum of two numbers. Re‐enter the Password to confirm and click Add User
  • Select the new user name for the User Manager list
  • In the Payment Processing field, choose either Full Access or Purchase only from the drop down options
  • For iPad app users only: In the Inventory field, choose either Full Access or Read only. Read only access will give the user access to making purchases, refunds and the ability to mark down prices on the sales screen but they will not have the access to add or edit inventory items.
  • Click Update

    •  

    2) Add the new user by changing the Accounts and Currencies options in the "Settings" screen of your app.

Updating key contact information

Beanstream uses the contact details stored in your online member area to communicate valuable information including transaction errors, statements of fees, and lost account login and password details. Be sure to keep contact information up to date so you don’t miss out on important alerts:

  • Log in to the online member area at https://www.beanstream.com/admin/sDefault.asp
  • Go to Administration > Company info in the left menu. The primary contact will receive all Beanstream email notifications. Two additional email contacts can also be specified in this area
  • Click Update at the bottom of the page

Receipt optionsGo back to frequently asked questionsBack to FAQ main

Options for sending receipts

When you process a sale or pre-authorization, you can provide your customer with a choice of receipt options. You may choose to email or text receipts to your customers, or, if you are using an Apple device (iPhone or iPad) and have a compatible printer, you can use AirPrint to produce a hard-copy receipt.

Geo-location and receipts

Geo-location information is automatically recorded for each sale, appearing both in your transaction records and on any AirPrint customer receipt. This allows you and your customer to reference the location for each sale and might provide additional information should there be a chargeback dispute.

Emailing receipts

Emailing a receipt

When you process a sale or pre-authorization, you have the option of entering your customer’s email address so you can send them a receipt.

To prompt your mobile device to create an email receipt and send it to your customer:

  • Process a sale or pre-authorization and when you reach the "Receipt" screen enter your customer’s Email Address
  • For iPhone, iPad, or Android*, tap Done
    Receipt screen with geolocation
    *Images shown are for iPhone but
    Android functionality is comparable

Log in http://www.beanstream.com/admin/sDefault.asp

  • Navigate to Administration > Account Settings
  • Choose the Email Receipts tab
  • Make sure the drop down Message Type is set to Mobile Transaction Receipt
  • Set the Send Message to Yes
  • If you wish email receipts to copy to a constant email address, type this address in the Email Copy to field
  • Choose template type as Default which will produce a receipt template with your company contact information
  • Click the Update button at the bottom of the page

For variables available for custom-designed mobile email receipts click the User Manuals button within the online member area and open the Email receipt variables document.

Texting receipts

To prompt your mobile device to create a text receipt and send it to customer’s mobile number:

  • Process a sale or pre-authorization and when you reach the “Receipt” screen enter your customer’s Mobile Number
  • Tap Done
    Receipt screen with geolocation

AirPrinting receipts

If you have an AirPrint capable printer and are using Beanstream mobile on a supported Apple device, you have the option of wirelessly printing full quality receipts in addition to sending receipts by text and email.

Please note, not all printers are AirPrint capable. Kindly see your printer manufacturer’s instructions for AirPrint capabilities and configuration setup. You may wish to access Apple Support for more information on AirPrint basics.

Enabling AirPrinted receipts

To provide an AirPrinted receipt you must first configure your app settings.

AirPrinting a receipt

  • Process your sale or pre-authorization
  • At the “Receipt” screen:
    • For iPhone, iPad, or Android, tap Done
      Receipt with geolocation screen
      *Images shown are for iPhone but
      Android functionality is comparable
  • If you have a screen asking “Are you sure?”, tap Yes
    Receipt confirmation screen
  • The transaction will process and at the transaction confirmation screen, tap Print Receipt
    iPhone/iPad screen
    Print receipt screen
  • The app will then detect an AirPrint-configured printer in your local area network. Tap the Printer button to select your printer
    • Optional: Tap the Copy button to increase the number of copies you require
      • Select printer option screen

Processing a credit card saleGo back to frequently asked questionsBack to FAQ main

Processing a credit card sale with a card reader on an iPhone, iPad, or Android device

Log in to the iPhone application.

  • Plug the Beanstream card reader into the audio jack. Check the card reader icon to make sure your mobile has recognized the card reader.
  • On the “Home” screen, tap the Sale button
  • Enter the sale Amount. Tax amounts generate according to how you set up your tax settings and tap Continue
    • Optional: add an Order Number (if you enabled this through the “Options” screen)
    • Optional: add a Note if required
    • Optional: if you have more than one currency setting stored, tap the Currency button beside the Total dollar amount to switch between currencies
      Enter sale amount screen, swiped transaction
      *Images shown are for iPhone but
      Android functionality is comparable
  • Swipe the customer credit card through the card reader. The screen will change when the card information has been read and encrypted
  • Enter the CVV/CVD number (3 digits on the back of the credit card) and tap Continue
    Cvv verification screen
  • Ask the customer to sign (using their finger) on the screen and tap Continue
    • Optional: If you enabled the tip option through the processing “Options” screen, your customer can also choose to leave a tip on this screen by using the slider or enter a $ Amount
      Signature screen
  • On the “Receipt” screen, you will be shown your geo-location which will be automatically included in your records and in any AirPrint customer receipts
    Receipt with geolocation screen
    • If you do not want to send a receipt, tap No thanks button and a confirmation “Are you sure?” screen will appear
    • If you want to send a receipt via email, enter your customer’s Email Address and tap Done
    • If you want to send a text receipt, enter your customer’s Mobile Number and tap Done
    • If you want to AirPrint a receipt (iPhone only), follow these instructions
  • Your transaction will now quickly process and one of two resulting screens will appear
    Transaction approved screenTransaction declined screen

Processing a KEYED credit card sale on iPhone, iPad, or Android (no card reader)

  • Log in
  • On the “Home” screen, tap the Sale button
  • Enter the Sale Amount. Tax amounts generate according to how you set up your tax settings and tap Continue
    • Optional: add an Order Number (if you enabled this through the “Options” screen)
    • Optional: add a Note if required
    • Optional:if you have more than one currency setting stored, tap the Currency button beside the Total dollar amount to switch between currencies
      Enter sale amount screen, keyed transaction
  • Choose the transaction type as Card
    Choose your method of payment screen
  • Enter the Card Number and Expiration Date and tap Continue
    • Optional: Enter (Cardholder) Name and Postal Code options if you enabled these through the processing “Options” screen
      Enter card info screen
  • Enter the CVV/CVD number (3 digits on the back of the credit card) and tap Continue
    Enter CVV screen
  • Ask the customer to sign (using their finger) on the screen and tap Continue. If you are not with your customer (i.e. this is a card-not-present sale), you may wish to write down the type of order (e.g. internet order or phone order)
    • Optional: If you enabled the tip option through the processing “Options” screen, your customer can also choose to leave a tip on this screen by using the slider or enter a $ Amount
      Signature screen
  • On the “Receipt” screen, you will be shown your geo-location which will be automatically included in your records and in any AirPrint customer receipts. Choose from:
    • If you do not want to send a receipt, tap No Thanks button and a confirmation “Are you sure?“ screen will appear
    • If you want to send a receipt via email, enter your customer’s Email Address and tap Done
    • If you want to send a text receipt, enter your customer’s Mobile Number and tap Done
    • If you want to AirPrint a receipt (iPhone only), follow these instructions
      Receipt with geolocation screen
  • Your transaction will now quickly process and one of two resulting screens will appear
    Transaction approved screenTransaction declined screen

Processing a credit card sale through the online member area

You are not able to process transactions through the online member area. Note, however, you are able to access your transaction history and make adjustments through the online member area.
You can manually process card-not-present sales through a virtual terminal in the online member area:
  • Log in to the online member area at https://www.beanstream.com/admin/sDefault.asp
  • Go to Administration > Processing > Web Terminal in the left menu
  • Enter the Card Number, Expiration Date, CVV/CVC2, Transaction type, Sale Amount
  • Optional: Enter your customer’s email address (if you would like to send an email receipt), street address information, and phone number
  • Click Submit Transaction
  • Check for an Approved Response. If you see Transaction Declined in the response field, you will need to follow up with your customer

Processing a check or cash saleGo back to frequently asked questionsBack to FAQ main

Processing a cash sale on an iPhone, iPad, or Android

  • Log in
  • On the “Home” screen, tap the Sale button
  • Enter the sale Amount. Tax amounts generate according to how you set up your tax settings and tap Continue
    • Optional: add an Order Number (if you enabled this through the “Options” screen)
    • Optional: add a Note if required
    • Optional:if you have more than one currency setting stored, tap the Currency button beside the Total dollar amount to switch between currencies
      Enter sale amount screen
      *Images shown are for iPhone but
      Android functionality is comparable
  • Choose the transaction type as Cash
    Choose your method of payment screen
  • Enter the Amount Received and the amount of change required will generate automatically. Tap Continue
    Cash payment screen
  • On the “Receipt” screen, you will be shown your geo-location which will be automatically included in your records and in any AirPrint customer receipts. Choose from:
    • If you do not want to send a receipt, tap No Thanks button and a confirmation “Are you sure?” screen will appear
    • If you want to send a receipt via email, enter your customer’s Email Address and tap Done
    • If you want to send a text receipt, enter your customer’s Mobile Number and tap Done
    • If you want to AirPrint a receipt, follow these instructions
      Receipt with geolocation screen
  • Your transaction will complete
    Payment completed screen

Processing a check sale on an iPhone, iPad, or Android

  • Log in
  • On the “Home” screen, tap the Sale button
  • Enter the sale Amount. Tax amounts generate according to how you set up your tax settings and tap Continue
    • Optional: add an Order Number (if you enabled this through the “Options” screen)
    • Optional: add a Note if required
    • Optional:if you have more than one currency setting stored, tap the Currency button beside the Total dollar amount to switch between currencies
      Enter sale amount screen
      *Images shown are for iPhone but
      Android functionality is comparable
  • Choose the transaction type as Check
    Choose your method of payment screen
  • Enter the Check Amount and Account Holder’s Name and Check Number and tap Continue
    Check detail screen
  • On the “Receipt” screen, you will be shown your geo-location which will be automatically included in your records and in any AirPrint customer receipts. Choose from:
    • If you do not want to send a receipt, tap No Thanks button and a confirmation “Are you sure?” screen will appear
    • If you want to send a receipt via email, enter your customer’s Email Address and tap Done
    • If you want to send a text receipt, enter your customer’s Mobile Number and tap Done
    • If you want to AirPrint a receipt, follow these instructions
      Receipt with geolocation screen
  • Your transaction will complete
    Payment completed screen

Processing a refundGo back to frequently asked questionsBack to FAQ main


You can process a refund on site with your mobile device, or behind scenes – in the online member area. You first need to search for your customer’s past transaction so you can apply the refund against it.

Note: Partial refunds can only be processed through the online member area.

Processing a refund on iPhone, iPad, or Android

  • Log in
  • To find the past transaction you wish to refund: On the “Home” screen, tap the History button
  • On the “Find Transaction” screen, enter one search criteria: The last four digits of a card, or From or To then tap Search
    Find a transaction screen
    *Images shown are for iPhone but
    Android functionality is comparable
  • To see transaction details, scroll down as necessary and tap the transaction you wish to view
    Transaction search result screen
  • Tap the Refund button
    Transaction detail screen
  • If you wish to send a refund receipt to your customer, tap Send Receipt
  • That’s it! The funds will automatically place back into the cardholders account, and a new refund transaction will appear in your transaction history

Processing a refund through the online member area

  • To find the past transaction you wish to refund: Log in to the online member area at https://www.beanstream.com/admin/sDefault.asp
  • Go to Reporting/Analysis > Transaction Search in the left menu
  • You can search by date range or by search criteria provided in the drop-down fields. Click Search
  • Click the appropriate transaction to bring up the “Transaction Details” page
  • Click Return Transaction button at the bottom of the page
  • Enter a Return Amount
  • Click the Process button and a confirmation page will appear
  • If you wish to send a refund receipt to your customer, click the Send Email Receipt button at the bottom of the page

Processing pre-authorizations

  1. Contents
  2. What is pre-authorization?
  3. Processing the first step of a pre-authorization with a card reader
  4. Processing the first step of a KEYED pre-authorization (no card reader)
  5. Processing the second step of a pre-authorization – completion
  6. Processing pre-authorizations through the online member area

What is pre-authorization?

A pre-authorization has two steps. The first is the actual pre-authorization transaction, where the purchase amount is applied to the customer’s credit card as a ‘hold’. Later, a second transaction completes the pre-authorization by removing these held funds from the customer’s credit card.

Notes:

  • With mobile payment processing you can only process the pre-authorization completion for the full amount of the pre-authorization hold, not a portion.
  • The first step of the pre-authorization must be followed up by the second step completing the pre-authorization within a few days. Card associations have established protocols for this process to prevent the holding of customer’s money beyond a reasonable time.

Processing the first step of a pre-authorization with a card reader

Processing the first step of a pre-authorization with a card reader on an iPhone, iPad, or Android

  • Log in
  • Plug the Beanstream card reader into the audio jack
  • If you have not already enabled pre-authorizations in your app settings, go to the “Options” screen and select On for Pre-Authorization
  • On the “Home” screen, tap the Sale/Pre-Auth button
    Home screen with pre-authorization enabled
    *Images shown are for iPhone but
    Android functionality is comparable
  • Tap the Auth button
    Pre-authorization swipe screen
  • Enter the pre-authorization Amount. Tax amounts generate according to how you set up your tax settings and tap Continue
    • Optional: add an Order Number (if you enabled this through the “Options” screen)
    • Optional: add a Note if required
    • Optional: if you have more than one currency setting stored, tap the Currency button beside the Total dollar amount to switch between currencies
  • Swipe the customer credit card through the card reader. The screen will change when the card information has been read and encrypted.
  • CVV capture screen
  • Enter the CVV/CVD number (3 digits on the back of the credit card) and tap Continue
  • Ask the customer to sign (using their finger) on the screen and tap Continue
    • Optional: If you enabled the tip option through the processing “Options” screen, your customer can also choose to leave a tip on this screen by using the slider or enter a $ Amount
    Signature capture screen
  • On the “Receipt” screen, you will be shown your geo-location which will be automatically included in your records and in any AirPrint customer receipts. Choose from:
    • If you do not want to send a receipt, tap No Thanks button and a confirmation “Are you sure?“ screen will appear
    • If you want to send a receipt via email, enter your customer’s Email Address and tap Done
    • If you want to send a text receipt, enter your customer’s Mobile Number and tap Done
    • If you want to AirPrint a receipt (iPhone only), follow these instructions
      Receipt with geolocation screen
  • Your transaction will now quickly process and one of two resulting screens will appearOR
    Transaction approved screenTransaction declined screen

Processing the first step of a KEYED pre-authorization (no card reader)

Processing the first step of a KEYED pre-authorization for iPhone, iPad, or Android

  • Log in
  • If you have not already enabled pre-authorizations in your app settings, go to the “Options” screen and select On for Pre-Authorization
  • On the “Home” screen, tap the Sale/Pre-Auth button
    Home screen with Pre-auth enabled
    *Images shown are for iPhone but
    Android functionality is comparable
  • Tap the Pre-Auth button
    Pre-authorization keyed sale screen
  • Enter the Sale Amount. Tax amounts generate according to how you set up your tax settings and tap Continue
    • Optional: add an Order Number (if you enabled this through the “Options” screen)
    • Optional: add a Note if required
    • Optional: if you have more than one currency setting stored, tap the Currency button beside the Total dollar amount to switch between currencies
      Enter sale amount screen, keyed transaction
  • Choose the transaction type as Card
    Choose your method of payment screen
  • Enter the Card Number and Expiration Date and tap Continue
    • Optional: Enter (Cardholder) Name and Postal Code options if you enabled these through the processing “Options” screen
      Enter card info screen
  • Enter the CVV/CVD number (3 digits on the back of the credit card) and tap Continue
    Enter CVV screen
  • Ask the customer to sign (using their finger) on the screen and tap Continue. If you are not with your customer (i.e. this is a card-not-present sale), write down the type of order (e.g. internet order or phone order)
    • Optional: If you enabled the tip option through the processing “Options” screen, your customer can also choose to leave a tip on this screen by using the slider or enter a $ Amount
      Signature screen
  • On the “Receipt” screen, you will be shown your geo-location which will be automatically included in your records and in any AirPrint customer receipts. Choose from:
    • If you do not want to send a receipt, tap No Thanks button and a confirmation “Are you sure?“ screen will appear
    • If you want to send a receipt via email, enter your customer’s Email Address and tap Done
    • If you want to send a text receipt, enter your customer’s Mobile Number and tap Done
    • If you want to AirPrint a receipt, follow these instructions
      Receipt with geolocation screen
  • Your transaction will now quickly process and one of two resulting screens will appearOR
    Transaction approved screenTransaction declined screen

Processing the second step of a pre-authorization – completion

Completing a pre-authorization is the second step in a pre-authorization transaction and, to meet card association protocols, must be processed with a few days of the first pre-authorization step of holding customer funds.

Processing a complete pre-authorization for iPhone, iPad, or Android

  • Go to the “Options” screen and beside Pre-Authorization select On
  • On the “Home” screen, tap the Complete Pre-Auth button
    Home screen with pre-auth enabled
    *Images shown are for iPhone but
    Android functionality is comparable
  • Select the appropriate transaction from the list of pre-authorizations you have previously processed
    Pre-authorization list
  • Tap Complete Pre-Auth
    Complete pre-authorization screen
  • Your transaction will process and resulting message will show
    Transaction approved screen

Processing pre-authorizations through the online member area

You can manually process card-not-present sales through a virtual terminal in the online member area:
  • Log in to the online member area at https://www.beanstream.com/admin/sDefault.asp
  • Go to Administration > Processing > Web Terminal in the left menu
  • Enter the Card Number, Expiration Date, CVV/CVC2, Transaction type, Sale Amount
  • Optional: Enter you customer’s email address (if you would like to send an email receipt), street address information, and phone number
  • Click Submit Transaction
  • Check for an Approved Response. If you see Transaction Declined in the response field, you will need to follow up with your customer

TaxesGo back to frequently asked questionsBack to FAQ main

The Beanstream mobile app allows you to apply two different tax rates to transactions. To accommodate provincial and state taxes, you have the option to apply tax2 to tax1 if required. Taxes are calculated automatically with each sale based on the tax options selected through the app settings.

Setting taxes

  • Log in
  • Open the Settings screen:
    For iPhone, iPad, or Android, on the "Home" screen,
    tap the Settings button
    Settings screen
    *Images shown are for iPhone but
    Android functionality is comparable
  • Tap Tax
  • On the “Tax” screen
    • Choose On for Tax 1 and/or Tax 2
    • Enter a Tax name for each tax
    • Enter a Rate for each tax
    • If you have two taxes, choose On for Apply Tax 2 to Tax 1
    For iPhone, iPad, or Android users
    Tax settings screeen

TipsGo back to frequently asked questionsBack to FAQ main

The Beanstream mobile app allows you to collect a tip or gratuity from your customers during credit card sales or pre-authorization transactions which are made by credit card.

To enable tips, you need to have previously selected this option through your app settings.

Enabling tips

  • Log in
  • Open the Settings screen:
    For iPhone, iPad, or Android, on the "Home" screen,
    tap the Settings button
    Settings screen
    *Images shown are for iPhone but
    Android functionality is comparable
  • Tap Processing Options
  • Turn On the Tip option
    For iPhone, iPad, or Android users
    Settings screen

Receiving a tip during a transaction

During the pre-authorization or sales transaction your customer can leave you a tip. After the customer’s card information has been recorded and before a receipt can be issued, you customer can add a tip to the “Customer Signature” screen.

There are two ways you customer can provide a tip:

  • Your customer can use the slider at the top left of the screen to select a tip by percentage.

    OR
  • Your customer can Tap to Enter in the upper left of the screen and enter a $ tip Amount. Note the slider will move to show the equivalent percentage.
    For iPhone, iPad, or Android users
    Add tip screen

Transaction troubleshootingGo back to frequently asked questionsBack to FAQ main

I cannot complete a transaction

Usually, a simple on-screen message should explain why you cannot complete a transaction. This will occur if the customer has an invalid card or if you have a keyed entry error. However, if you consistently cannot process transactions, you may be experiencing a system setup or configuration issue. Please contact Beanstream Client Services at 1-888-472-0811 or support@beanstream.com.

What if I receive a call during a transaction?

Beanstream Mobile is designed to suspend and allow you to take to call. (Be sure to unplug the card reader to hear the call.) Once the call is completed, the app takes you right back to where you were.

Viewing transaction historyGo back to frequently asked questionsBack to FAQ main

If you access transaction history through the iPhone, iPad, or Android app you can: search for completed transactions, review a transaction’s details, process a refund, or email a receipt to your customer.

If you access transaction history though the online member area you can also search for older transactions as well as review and download transaction reports.

Accessing transaction history through your iPhone, iPad, or Android

  • Log in
  • On the “Home” screen, tap the History button
  • On the “Find Transaction” screen, enter one search criteria: last four digits of a card, or From or To then tap Search
    Transaction search screen
    *Images shown are for iPhone but
    Android functionality is comparable
  • To see transaction details, scroll down as necessary and tap the transaction you wish to view
    Transaction result screen
  • To process a refund, tap the Refund button or to send a receipt, tap Send Receipt
    Transaction details screen

Accessing transaction history through the online member area

  • Log in to the online member area at https://www.beanstream.com/admin/sDefault.asp
  • Go to Reporting/Analysis > Transaction Report in the left menu
  • Use the search and sort fields at the top of the screen to choose your report criteria and then click the Refresh button. The list you generate will display a number of basic transaction details including the credit card transaction (CC) approval (Checkmark) or decline (X)
  • If you wish to download the transaction report, click Download. This will be in a .csv format so you can open it as an Excel, Word, or custom file format
  • If you wish to view transaction details, click a line item

You may also go to Reporting/Analysis > Transaction search in the left menu to view or download transaction details.

Deposits and bankingGo back to frequently asked questionsBack to FAQ main

How does money from my first transaction enter my bank account?

At the time your application is approved, a $0.01 transaction is charged against the bank account numbers provided during the application process. If you log in through your financial provider, and view your online banking statement, you will see this charge appear along with an 8-digit alphanumeric authorization code.

When you log in to the Beanstream online member area, you will be prompted to enter this code to validate the account. Once validated, funds will begin settling to the bank account daily with a 3 business-day lag, including any outstanding transactions that were processed before the bank account was validated.
For more information please click the User Manuals button within the online member area and refer to the Statement & Settlement guide.

Settlement process – where are my funds?

Funds are usually deposited into your business bank account three business days after the transaction is processed. For instance, transactions processed on a Monday between 12am PST and 12pm PST are settled to your bank account on the Thursday.

To track the settlement process you can view your Settlement Report:

  • Log in to the online member area at https://www.beanstream.com/admin/sDefault.asp
  • Go to Reporting/Analysis > Settlement Summary in the left menu. This report will show the daily settlement amounts along with the date the settlement files are scheduled to be sent to your bank account

To help reconcile your bank account, you can access your Statement:

How do I read my Settlement Report and Statement?

For more information please click the User Manuals button within the online member area and refer to the Statement & Settlement guide.

Note: the columns in your statement and settlement reports will represent the parameters of your Beanstream services. These vary by service, so all variables discussed in the Statement and Settlement guide will not show on your reports.

ChargebacksGo back to frequently asked questionsBack to FAQ main

What is a chargeback?

Occasionally, a credit card company will identify, post-transaction, a payment that was either not generated by the authentic card holder, or was disputed by the authentic card holder. When the cardholder wants the amount to be removed from their credit card transactions, this payment amount is debited from your bank account as a chargeback and a chargeback fee is processed against your merchant account. As the merchant, however, you may challenge this and issue your own dispute of the chargeback. If you win the dispute, the payment amount and all associated fees will be credited back to your bank account.

Chargebacks can within 6 months after an original transaction was processed; it will depend on the reason for the dispute and the card-issuing bank’s chargeback policies.

Note that Beanstream automatically includes a number of security tools with the mobile app, some specifically designed to help confirm the authenticity of a customer.

Reducing chargebacks

You can minimize your chargeback risk by staying vigilant:

  • Check the customer signature you take on the mobile credit card transaction matches the customer signature on the back of the card
  • Do not process credit cards that do not have a signature on the back – check for a signature before you start the transaction
  • Never accept a credit card from anyone you do not trust
  • Look out for suspicious circumstances such as unusually high transaction amounts, multiple transaction attempts with a failure at the first attempt, or customers who do not present consistent information

How do I handle a chargeback?

If there is a chargeback, Beanstream will send you an email containing the details of the chargeback, as well as a case number unique to the issue.

We will work with you to resolve the situation with your customer, and to respond to the dispute. If you have further questions on this process please contact Beanstream Client Services at 1-888-472-0811 or cbsupport@beanstream.com.

Dispute Process

There are two ways in which the chargeback process can start. In some cases, the first step in the chargeback process is a Sales Draft Request (SDR). An SDR is the result of the cardholder not recognizing the transaction, so their card issuing bank is giving you the opportunity to identify the purchase or address the issue to avoid a chargeback. You must respond to a SDR within strict timelines set by the card companies or the bank can implement a chargeback for the transaction. In other cases, the bank will proceed straight to a chargeback.

Whether a SDR or chargeback, Beanstream will notify you via email with: the SDR or chargeback details, the case number and a deadline. At this point, you must provide as much information as possible to prove that the transaction is legitimate. This includes, but is not limited to:

  • A copy of the sale (including any information you took during the sale including: description of goods, order number, customer name, customer email, customer mobile number, if applicable)
  • A transaction receipt
  • A mail order schedule and proof of delivery with signature (if applicable)

The more information that you provide, the more likely you will win the dispute. Email this information and the case number to us at cbsupport@beanstream.com.

If you lose a dispute…

You may lose a dispute for a number of reasons: you didn’t respond within the allotted time, the documentation you provided was illegible or incomplete, or various other reasons.

If you have additional information or believe for any other reason that the cardholder’s bank could reconsider their decision, you can request help from Beanstream by emailing us at cbsupport@beanstream.com.

What kinds of reports can I access?Go back to frequently asked questionsBack to FAQ main

The Beanstream system has a variety of reports available to you to help you track you run your business.

On your mobile device you can view transaction history.

In your online member area you can view:

Viewing a report:

All reports can be downloaded as a .csv file format so they can be opened in Excel, Word or integrated with other software you use: