Operating Instructions of

Ingenico ICT220
Payment Terminal

1
These Payment Terminal operating instructions are meant to assist the Merchant in
ensuring secure acceptance of card payments through the payment terminal. These
instructions form an inseparable part of the Payment Card Service Agreement and
Payment Terminal Rent Agreement, and by signing the Agreement the Merchant agrees
to comply with the requirements provided in these instructions.

Contents
Explanation of keys......................................................................................................................................... 3
Performing a sales transaction with a magnetic card...................................................................... 4
Performing a sales transaction with a contactless card.................................................................. 6
Performing a sales transaction with a chip card................................................................................. 8
Reply codes provided in the event of transaction failure..............................................................10
Cancellation of a sales transaction.........................................................................................................12
Printing out a copy of the receipt ...........................................................................................................14
Closing the day...............................................................................................................................................10
Messages displayed on screen .................................................................................................................16
Changing the paper roll...............................................................................................................................17

Technical support
assistance in issues related to card transactions
verbal authorisation of card transactions (24 h)
information on payments received for card transactions
redirection to technical support

24-hour customer support: 6 132 300

Issues reported outside working hours are registered and resolved as soon as possible
(generally on the next working day).

24-hour fax: 6 131 36

e-mail: posabi@swedbank.ee

Swedbank AS
Liivalaia 8
15040 Tallinn, Estonia
www.swedbank.ee

2
Explanation of keys

Changing of paper roll

(opening of plastic cover)

Enter menu

Menu navigation

Slot for magnetic card

Advance the paper roll

Abort

Correct

Confirm entry

Signal receiver

Abort

Correct the PIN

Confirm the PIN entered

Slot for chip card

3
Performing a sales transaction
with a magnetic card
Ingenico ICT220 Payment Terminal

Message on Message on Activity

terminal PIN pad
display display

Welcome Welcome The terminal is in stand-by mode. Enter the transaction amount in cents
(e.g. enter 1,000 for the transaction amount of EUR 10.00). Press the green
button after completing the entry.
Press the yellow button to correct the amount (one character at a time).
Press the red button to abort the transaction.

Card transaction Use the card Swipe the customers bank card through the terminals card reader.
EUR 10.00 EUR 10.00
Use the card

Last four digits: Please wait Enter the last four digits of the number on the customers bank card.
Press the green button after completing the entry.
Press the yellow button to correct any mistakes (one character at a time).
Press the red button to correct your entry (deleting the whole entry).
Press the red button twice to abort the transaction.

Connection... Connection... The terminal will establish a connection to the bank.

Please wait Please wait
Waiting Waiting
for reply... for reply...
Please wait Please wait

Transaction Transaction The terminal will print out the first receipt.
completed completed

Take the receipt Transaction Tear off the receipt and press the green button to make the terminal
and press completed print out a second receipt.
the button Press the red button to forgo printing of the second receipt.

Return the bank card to the customer.

4
 The person must be identified in conformity with the
Rules of Acceptance of Cards.
The first copy the receipt remains with the vendor and
the second is handed over to the buyer.
Transaction types:
T0 online transaction (card number entered manually)
T1 online transaction (card read using card reader)
T2 offline transaction (card number entered manually)
T3 offline transaction (card read using card reader)
Attention! Only in Estonia!
If the transaction cannot be authorised for some reason (the
terminal fails to connect to the bank or the bank returns a
corresponding reply), the terminal may prompt the Vendor:
By phone?. If the vendor selects No (presses the F1 key
) then the transaction is aborted. If the vendor selects
Yes (presses the F4 key ) then the terminal displays the
expiry date and number of the bank card and prints out the
Type of receipt
Name of POS
Address of POS
Terminal ID number
The Merchants registration number and
the number of the cash register
Type of card
Number of card (last four digits are shown)
Receipt number
Transaction date and time
Authorisation code and type of transaction
Transaction amount
Customers signature (check that it corresponds
to the signature on the back of the bank card)
Note indicating type of document presented (filled in manually)
Number of document presented, in case the amount exceeds
the checking limit set by the Payment Card Acceptance Agreement
(filled in manually)
required transaction data, which you must tell to the
customer support representative over the phone by calling
Swedbanks customer support on 6 132 300. The customer
support representative will register the transaction manually
at the bank, and provide an authorisation code in return, to be
entered in the terminal (if you still wish to abort the transac-
tion without calling the bank, or the bank refuses to complete
the transaction, you can abort the authorisation code entry
by pressing the button). The terminal will issue the card
payment receipts after the transaction has been completed.
NB! Ensure that the successful completion of the
transaction is confirmed on the receipt!
5
Performing a sales transaction
with a contactless card
Ingenico ICT220 Payment Terminal

Message on Message on Activity

terminal PIN pad
display display

Welcome Welcome The terminal is in stand-by mode and one green light is flashing on the PIN
pad. Enter the transaction amount in cents (e.g. enter 1,000 for the transaction
amount of EUR 10.00).
Press the green button after completing the entry. The PIN pad should
have one green light on after the amount has been entered.
Press the yellow button to correct the amount (one character at a time).
Press the red button to abort the transaction.

Card transaction Use the card Ask the customer to place their card on the PIN pads signal receiver and hold
EUR 10.00 EUR 10.00 it there until a beeping sound is heard.
Use the card

Reading the card Reading the card The card has been successfully read if four lights turn on and you hear the
Successful Successful sound indicating successful reading of the card.
Remove the card Remove the card

The terminal will establish a connection to the bank.

Transaction Transaction The terminal will print out the first receipt.
completed completed
Please wait

Take the receipt and Transaction Tear off the receipt and press the green button to make the terminal print
press the button completed out a second receipt. Press the red button to forgo printing of the second
Please wait receipt.

6
 For some bank cards, the terminal might require the
customers signature if the transaction amount exceeds a
certain limit, and the merchant must check the signature
on the back of the bank card. If the signature is correct
the green button must be pressed on the terminal.
If the signature is not correct, the merchandise must not
be handed over to the customer and the red button
must be pressed.
Transaction types:
T1 online transaction (card read using card reader)
T3 offline transaction (card read using card reader)
Attention! Only in Estonia!
If the transaction cannot be authorised for some reason
(the terminal fails to connect to the bank or the bank returns
a corresponding reply), the terminal may prompt the Vendor:
By phone?. If the vendor selects No (presses the F1
key ) then the transaction is aborted. If the vendor selects
Yes (presses the F4 key ) then the terminal displays the
expiry date and number of the bank card and prints out the
required transaction data, which you must tell to the customer
If the amount of the contactless transaction exceeds the
allowed transaction limit the PIN pad will prompt you to
insert the card in the card reader, and a chip card transaction
will be performed instead (see page 8 Performing a sales
transaction with a chip card).
The first copy the receipt remains with the vendor and the
second is handed over to the buyer.
Type of receipt
Name of POS
Address of POS
The Merchants registration number and the number
of the cash register
Terminal ID number
Type of card
Number of card (last four digits are shown)
Receipt number
Authorisation code and type of transaction
Transaction date and time
Transaction amount
Confirmation of successful contactless card transaction
support representative over the phone by calling Swedbanks
customer support on 6 132 300. The customer support repre-
sentative will register the transaction manually at the bank,
and provide an authorisation code in return, to be entered in
the terminal (if you still wish to abort the transaction without
calling the bank, or the bank refuses to complete the transac-
tion, you can abort the authorisation code entry by pressing
the button). The terminal will issue the card payment
receipts after the transaction has been completed.
NB! Ensure that the successful completion of the
transaction is confirmed on the receipt!
7
Performing a sales transaction
with a chip card
Attention!
It is mandatory to use the chip when paying with a chip card.

Ingenico ICT220 Payment Terminal

Message on Message on Activity

terminal PIN pad
display display

Welcome Welcome The terminal is in stand-by mode. Enter the transaction amount in cents
(e.g. enter 1,000 for the transaction amount of EUR 10.00).
Press the green button after completing the entry.
Press the yellow button to correct the amount (one character at a time).
Press the red button to abort the transaction.

Card transaction Use the card Insert the bank card in the chip card reader of the PIN pad connected to the
EUR 10.00 EUR 10.00 terminal, or ask the customer to insert it themselves.
Use the card

Please wait Enter PIN: Ask the customer to enter their bank cards PIN on the PIN pad.
PIN entry... EUR 10.00 The green button on the PIN pad must be pressed to complete the entry.
The PIN can be corrected (one character at a time) by pressing the yellow
button .
The transaction can be aborted by pressing the red button on the PIN pad.

PIN OK PIN OK If the PIN has been entered correctly the terminal will establish the connection
to the bank.

Connection... Connection...
Please wait Please wait
Waiting for reply... Waiting for reply...
Please wait Please wait

Transaction Transaction The terminal will print out the first receipt.
completed completed
Please wait

Take the receipt Transaction Tear off the receipt and press the green button to make the terminal print out
and press the completed a second receipt. Press the red button to forgo printing of the second receipt.
button Please wait

Ask the customer to remove their bank card from the chip card reader.

8
 The first copy the receipt remains with the vendor and the
second is handed over to the buyer.
If performing the chip card transaction failed and the
Use magnetic card prompt is displayed on the terminal
screen, you must perform the transaction according to the
instructions applicable for performing transactions using a
magnetic card.
Transaction types:
T0 online transaction (card number entered manually)
T1 online transaction (card read using card reader)
T2 offline transaction (card number entered manually)
T3 offline transaction (card read using card reader)
Attention! Only in Estonia!
If the transaction cannot be authorised for some reason
(the terminal fails to connect to the bank or the bank returns
a corresponding reply), the terminal may prompt the Vendor:
By phone?. If the vendor selects No (presses the F1 key
) then the transaction is aborted. If the vendor selects
Yes (presses the F4 key ) then the terminal displays the
expiry date and number of the bank card and prints out the
In exceptional circumstances the chip card might not require
the entering of the PIN, or the customer may refuse to enter
their PIN by pressing the abort button . If the transac-
tion is nevertheless completed (depending on the banks
decision) the terminal will print out a receipt bearing the
text PIN NOT CHECKED. In this case the receipt may have
additional fields for providing the signature and indicating
the document presented.
Type of receipt
Name of POS
Address of POS
The Merchants registration number and the number
of the cash register
Terminal ID number
Type of card
Number of card (last four digits are shown)
Receipt number
Authorisation code and type of transaction
Transaction date and time
Transaction amount
Confirmation of successful chip card transaction
required transaction data, which you must tell to the customer
support representative over the phone by calling Swedbanks
customer support on 6 132 300. The customer support repre-
sentative will register the transaction manually at the bank,
and provide an authorisation code in return, to be entered in
the terminal (if you still wish to abort the transaction without
calling the bank, or the bank refuses to complete the transac-
tion, you can abort the authorisation code entry by pressing
the button). The terminal will issue the card payment
receipts after the transaction has been completed.
NB! Ensure that the successful completion of the
transaction is confirmed on the receipt!
9
Reply codes provided in the event
of transaction failure
Ingenico ICT220 Payment Terminal

Message Verbal explanation of code

1xx If the terminal prints out a code beginning with 1,

this card cannot be used to perform the transaction.
The card must be returned to the customer.

100 Transaction invalid

101 Card expired

102 Possible card fraud

104 Restricted card

105 Contact customer support on 6 132 300

107 Contact customer support on 6 132 300

109 Invalid vendor.

Contact customer support on 6 132 300

110 Wrong amount (too large)

111 Card data error

112 PIN required to perform transaction

116 Not enough money in account

118 Unknown card

119 Transaction not allowed for this card

120 Transaction not allowed for this terminal

121 Amount exceeds limit

123 Amount exceeds frequency limit

123 Use the chip for contactless payments

125 Use of card prohibited

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Ingenico ICT220 Payment Terminal Ingenico ICT220 Payment Terminal

Message Verbal explanation of code Message Verbal explanation of code

2xx If the terminal prints out a code beginning with 9xx If the terminal prints out a code beginning with
2, this indicates the card is being misused. 9, this indicates that a system error is preventing
The transaction cannot be completed. the completion of the transaction.
The card must be confiscated, if possible. We recommend you contact customer support
on 6 132 300
200 Transaction invalid
902 Authorisation message format error
201 Card expired
903 System error.
202 Card fraud Contact customer support on 6 132 300

203 Invalid card 904 Format error

204 Restricted card 905 No reply from issuer of card

205 Call the police 906 System error

208 Lost card 907 Cannot connect to issuer of card

209 Stolen card 908 Unknown card

210 Forged card 909 System error

910 System error

911 No reply from issuer of card

913 Repeated transaction

939 Invalid vendor.

Contact customer support on 6 132 300

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Cancellation of a sales transaction
Ingenico ICT220 Payment Terminal

Message on Message on Activity

terminal PIN pad
display display

Welcome Welcome The terminal is in stand-by mode. Press the F1 key 1

Transactions Please wait Press 2 or select the Annulment option from the menu
1-Sending (use the F2 and F3 ) keys for menu navigation) and press the green
2-Annulment button
3-Card transaction
4-Manual transaction

Annulment Please wait Enter the number of the receipt you wish to cancel and press the green
Enter receipt number: button

Annul? Please wait Press the F1 key to cancel the transaction.

PAN: ******1234 Press the F4 key to decline cancellation.
EUR 10.00 NB! The terminal will display the last four digits of the number on the card used
Transaction No. ***** for the sales transaction.
NO/YES

If the sales transaction was performed using a contactless card, the customers bank card is not required for cancella-
tion and the terminal and PIN pad will display a text similar to the one displayed when performing a sales transaction
using a chip card.

If the sales transaction was performed using a chip card

Annulment Use the card Insert the bank card in the chip card reader of the PIN pad, or ask the
EUR 10.00 EUR 10.00 customer to insert it themselves.
Use the card

Correct card Correct card Return the bank card to the customer.
Take the card Take the card

If the sales transaction was performed using a magnetic card

Annulment Please wait Swipe the customers bank card through the card reader.
Read the card... EUR 10.00

Are 1234 the last Please wait Check the last four digits of the bank card number against the number dis-
four digits? played on the terminal screen. If the numbers match, press the F4 key
NO/YES If the numbers are different, press the F1 key

Correct card. Correct card.

Connection... Connection...
Please wait Please wait
Waiting for reply Waiting for reply The terminal will print out the first receipt.
Please wait Please wait

Take the receipt Tear off the receipt and press the green button to make the terminal print
and press the out a second receipt.
button Press the red button to forgo printing of the second receipt.

Transaction completed Return the bank card to the customer. 12

Sample chip card receipt Sample magnetic card receipt

If the transaction to be cancelled was completed

using automated checking, the terminal will con-
nect to the authorisation centre and cancel the
transaction.

If the transaction to be cancelled was authorised

via Swedbanks customer support, you must call
Sample contactless card receipt
customer support on 6 132 300 to confirm cancel-
lation of the transaction in addition to cancelling
the transaction on the terminal.

The terminal will issue a receipt for final cancella-

tion of the transaction. When a sales transaction is
cancelled, the first copy of the receipt remains with
the vendor and the buyer receives the second copy.

Comments
Cancellation of a transaction is only possible
for the full amount, and until the time when
transactions are sent to the bank (in general, the
terminal sends transactions to the bank once
every 24 hours).
A TRANSACTION NOT FOUND message dis-
played on the terminal indicates that no transac-
tion with the number entered was completed on
that day. This transaction was probably completed
on a previous day, the transactions have been
sent to the bank in the meantime or the transac-
tion has already been cancelled.
You must send the transaction data to Swed-
banks Bank Card Department to cancel such
transactions (fax number 6 131 366).

13
Printing out a copy of the receipt
Ingenico ICT220 Payment Terminal

Message on Activity
terminal display

Welcome The terminal is in stand-by mode. Press the F1 key

Transactions Press 5 or select the Copy of receipt option from the menu (use the F2 and
1 Sending F3 keys for menu navigation), and press the green button
2 Annulment
3 Card transaction
4 Manual transaction
5 Copy of receipt

Enter receipt number: Enter the number of the receipt you wish to print out and press the green button

Amount: EUR 10.00 The terminal will display the last four digits.
Transaction No. ...
NO/YES

Press the F4 key to cancel the transaction.

Press the F1 key to decline cancellation.

Take the receipt and press Tear off the receipt and press the green button to make the terminal print out a second
the button receipt. Press the red button to forgo printing of the second receipt.

NB!
You cannot print out a separate copy of a cancelled transactions
receipt. When the number of a sales transaction receipt that
has had a cancellation operation performed for it is entered in
the terminal, a copy of the sales transaction cancellation receipt
is printed out in addition to the copy of the sales transaction
receipt.

14
Closing the day
Automatic sending of transactions Manual sending of transactions
Transactions completed during a day can be sent to the
bank either automatically or manually. Automatic sending
Ingenico ICT220 Payment Terminal
is started at the time configured for the terminal.
Message on Message Activity
If automatic sending fails terminal on PIN pad
Send the transactions manually, or wait for the next auto- display display
matic sending session (the transactions that failed to be sent
will also be sent at this time). Welcome Please wait The terminal is in
stand-by mode.
Should sending of transactions also fail during the next Press the F1 key
automatic sending session, contact Swedbank on
6 132 300 Transactions Please wait Press 1 or select
1 Sending the Sending option from
2 Annulment the menu by pressing the
3 Card transaction green button
4M  anual
transaction

Send transactions? Please wait Press the F4 key

Are you sure? or the green button
NO/YES to send the transactions
manually.
Press the F1 key
or the red button
to decline.

Connection Please wait

Please wait...

Sending Please wait The terminal will send the

transactions and print
out the sending report
receipt.

Please wait Please wait The terminal will finish

printing out of the send-
ing report receipt.

The terminal will issue the reply on the sending report, indi-
cating the number of transactions completed and the total
amount. The terminal will print the reply indicating successful
sending of the transactions on the sending report: SENDING
TRANSACTIONS OK.

15
Messages displayed on screen
Messages displayed for performing and cancelling payment transactions

Message on terminal display Meaning

Card error! Reading of card failed. Try again.

Try again...

Reader error! Reading of card failed. Try again.

Read again!

Chip card! This is a chip card. It cannot be used as a magnetic card.

Try to insert.

This card cannot be used. This card is not among the accepted cards.

No transactions Terminali mlus ei ole htegi tehingut.

Press the key

Transaction 000001 Thistatavat tehingut ei ole terminali mlus.

not found. Thistatud tehingut ei saa teistkordselt thistada,
Press the key. samuti ei saa thistada juba panka saadetud tehinguid.

Number different from one The last four digits of the card number were entered incorrectly.
on card!

Transaction rejected Entering of PIN took too long.

Invalid PIN The buyer has entered the wrong PIN.

Failed to read card Reading of card failed. Try again.

Present one card Please present one card at a time when paying with a contactless card.

Follow the instructions Please present one card at a time when paying with a contactless card.
on the phone

When the buyer enters the wrong PIN
You must confiscate the card if a customer enters the wrong
PIN three times. You may only return the card to the card
holder after identifying them on the basis of an identifica-
tion document. The person returning the card must be sure
they are dealing with the correct person. The data of the card
holder and the document presented must be recorded on the
error code receipt printed out by the terminal.
Attention!
Replace the receipt paper at an appropriate time.
Use only special thermal paper for the terminal.
Do not connect any cables when the terminal is connected
to the mains.
Do not place the terminal in a location that is too warm,
cold or humid.
Do not place the terminal in a location where it could get
wet or be covered with crumbs/dust.
Use a cloth dampened with alcohol to clean the surface of
the terminal.
Use a special cleaning card to clean the terminals card
reader.
In the case of a fault, call a service technician - do not
attempt to repair the terminal yourself.
If performing a chip card transaction fails and the termi-
nal prompts you to use the magnetic strip to perform the
transaction, you must perform the transaction according to
the instructions applicable to performing transactions using
a magnetic card.
Keep the terminal connected to the mains to enable the
terminal to send the transactions to the bank automatically
to close the day.

16
Changing the paper roll
1
3
4
A special thermal paper roll with a width of 57 mm and a
diameter not exceeding 38 mm must be used in the terminal.
A coloured indicator strip, which becomes visible when the
printer will soon run out of paper, can be seen when the paper
roll is nearing its end. Appearance of the strip means the
printer has enough paper to print at least one more receipt.
First open the paper roll cover as shown on the illustration
and lift it up.
Remove the empty paper roll from the printer.
Unwind the new paper roll a little, removing the protective
strip from the edge, if required. Insert the paper roll in the
printer so the paper starts emerging from the terminal from
under the roll.
Pull a small length of the paper out of the terminal. Close the
terminal cover by pressing the cover gently until it clicks. A
small length of the paper must extend from the printer. Cut
the paper with the metal strip on the printer.
Attention!
Low quality paper could get stuck in the printer and also
create a lot of paper dust. Thermal paper must be stored in
a cool and dry place. Humidity, temperature, friction, liquids
etc. can affect the characteristics of the paper. Do not insert
a paper roll with wrinkled or wet paper or damaged edges in
the printer.
17