Along with the development of the era, ease in transaction banking services are also increasingly sophisticated. One of the ease is the emergence of EDC engine that allows you to make cash withdrawal transactions in the nearest minimarkets such as indomart and alfamart. Just by shopping for $ 2.00, - and make a payment using a debit card, you can already swipe the cash at the nearest minimarket outlet.
EDC machines not only serve as cash swipes, but you can also use EDC machines for shopping payment transactions, toll fee payments, airline ticket and electricity payments, as described in the E-Banking Wisdom book launched by the Service Authority Finance (OJK). What is the working principle of this EDC machine? Here's a full explanation of the EDC machine
Working Principle of EDC Machine
With the EDC you will be helped in transactions using e-money / credit card / debit card at the store. EDC machines are usually large (often blue) with buttons and cables and a small screen located on the counter at the minimarket. In addition EDC engine you will also find on the automatic toll booth, its use is enough to paste the card in the space provided and automatically open the toll gate.
How to use this EDC machine? Here's an explanation
Easy Way to Use EDC Machine
How to use this machine is very easy because this menu is using the English language is easy to understand. In addition, the installation time of the technician also provides training or explain how to use it. Regular visits every few months will also be done by the technician to check / maintenance. The use of machines can use a debit card / credit card by swiping or e-money by sticking the card on the EDC machine, as seen when paying the toll. For friction system the following mechanism:
Please bring your card to the cashier, and the cashier will enter the amount of money paid
Then the cashier will ask you to enter the PIN on the machine
The card is swiped on the machine, if the transaction is successful, it will exit the receipt of transaction receipt from that machine
The cashier will ask you for signature on the transaction receipt
When friction is successful the account balance is directly truncated (for debit cards) or the bill increases (for credit cards)
The EDC machine is a tool for payments that use debit cards and credit cards.
Use of Debit Card on EDC machine is usually by swipe, while Credit Card is input on EDC machine. Well, the difference between the form of Debit Card and Credit Card must have been on tauu kan, so ga need dijelasin again.
The EDC machine I have used is from Bank BCA and Bank Mandiri, but Debit Card or Credit Card from other bank can be used on EDC machine if there is ALto and Cirrus logo.
Subject to get EDC machine facility, please contact the relevant Bank that provides it.
Here's how to use it.
How to use BCA EDC machine. For Debit cards:
1. Swipe the card On the side of the machine and wait for the transmission process is complete.
2. Enter the nominal transaction and press Yes / green button.
3. Input Pin Card (Hello yaa .. yang input Pin him) then press Yes / green button.
4. Wait for the transaction process and the transaction receipt will come out 2 times.
5. The first sheet (customer copy) is given to the guest and the second sheet (merchant copy) is stored for the restaurant.
How to use the EDC Mandiri Machine for Debit Card, The stages are the same as on the use of BCA EDC machine, only the transaction receipt that comes out on the first sheet is longer (copy & merchant) is stored for the restaurant and the second copy is given to the guest.
How to use BCA and Mandiri EDC machine on Credit Card:
1. Insert the Card on the EDC machine (point the CHiP card section on the front) and wait for the transmission process to complete.
2. enter the transaction nominal and press Yes / green button.
3. the input pin will appear and there is an option, select Yes to Enter the pin (if needed) and press No (if not required.
4. outgoing transaction receipt.
REMEMBER. credit card transaction receipt must be signed by the card owner if not using a PIN (on Merchant Copy sheet)
Nowadays in addition to card technology is already using chips (especially for credit cards) so that your card is not swiped but inserted in the EDC machine slot to make it more secure from the practice of data theft (skimming). In practice when transacting sometimes errors occur, you do not need to panic and suspect it is skimming. Learn the errors that sometimes appear below
Some Errors Often Appear When Using EDC Machines and Explanations
PLEASE TRY AGAIN> This error is usually caused by: Reversal, phone line, signal from GPRS is not good. The way handling is relatively easy, you just restart the EDC machine by pressing FUNCTION 3 ENTER then enter the password, the machine will die and will live by itself. And any errors will be lost so the transaction can continue.
LINE IDLE> This error occurs because of various kinds of causes such as: phone line dead or a less clear voice, it could be because there is a previous reversal. Another possibility of unsuitable PABX settings. Handling the same with the above error is restart by pressing the function 3 key enter then 3636 enter password then the machine will die and will live by itself after this step done was not successful please contact the issuing bank of EDC machine. Means maybe the above 3 factors are not the cause.
REVERSAL> Not all transactions are successful, unsuccessful transactions are caused by a variety of factors requiring reversal. To know the existence of reversal can be seen by pressing function 1 and enter. After the screen appears reversal writing then the next step is to delete it by pressing the tobol function then 99 enter and press 99 again and followed by 3 digit number of the machine at the end.
Well, now know the basic error of EDC usage, so do not directly suspect the store to do deviation action. In practice, the EDC machine itself in the market is generally divided into 3 types with different characteristics, the following explanation.
Types and characteristics of EDC Machines
Tips for Safe Transaction using EDC Machine
All the usage of technological devices is always at risk including EDC. Transacting with an EDC machine can not escape the threat of a criminal. There are a number of tips to safely transact by looking at the workings of the EDC machine as described above. Here are the points you need to pay attention to:
Like an ATM machine, when the transaction do not forget to cover the EDC machine when entering the PIN
It is worth checking the nominal money on the machine before entering the PIN, make sure it is not excessive
Please note that when giving a card to the merchant's officer, follow the attendant to the counter
Do not panic, If the transaction is rejected, contact your card issuing bank immediately
Do not forget to ask for the card back as soon as the transaction is successful
If you are a store owner, are you interested in using this EDC service? Learn the following ketetuan.
Terms of use of EDC machines for shopkeepers
The bank issuing EDC machines usually charge the rental price Rp4.500.000, - for rent for 3 years ahead in prepaid. The fourth year rent in pay per month is Rp125,000. After you pay the rental fee then some of the following facilities can be obtained by the shop owner.
During the use of the tenant will get free service for 3 years. The use of stroke paper is also free during the lease period of 3 years. Communications tariffs need not be alarmed because shop owners also get free GPRS Connection Cost for 3 years. In order to keep the feature updated, the store owner will also get an update of the addition of a free program for 3 years. The bank also helps the store owner EDC marketing by helping the media in the form of banner 1 sheet size 3 x 1 meter full color, brochure 500 sheets full color for free. In order for store owners to understand EDC products and services, a training CD, manual book, training tools, and ATM BPRKS will be provided free of charge as a complement to EDC machine rental.
Almost all existing EDC machines can be used for debit and credit transactions. Customers can customize it with the needs and cards he currently has.
Do Not Be a Victim of Crime
One thing to be aware of the EDC machine is not to become a victim of EDC machine fraud. Although the security is constantly being repaired by the service providers, but in fact he still has a gap to be abused by irresponsible parties. I do not know how many victims that arise due to this problem. So, be careful in using ya!
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Keyword : Credit Card, How to, Usage, Bank, Character, Transaction Tool,
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