Independent Control for PIN and Signature Debit (CloudPOS)

Merchants can now configure PIN Debit and Signature Debit behavior separately under the existing “Treat Debit as Cash” functionality in the Portal. The configured settings are reflected in CloudPOS, allowing fees to be applied or removed independently based on how the debit transaction is processed.

Feature Compatibility

• Minimum Required POS Build: 10170
• Supported Channels:
  • CloudPOS (Pay Now, Send Payment Link, PINpad)
  • Invoices (Itemized Billing)
  • GHPP (Generated Hosted Payment Page)

What’s New

Two parameters are available under Dual Pricing to control debit behavior:

• PIN Debit – Controls fee application for debit transactions authenticated using a PIN (applicable only for PINpad transactions)
• Signature Debit – Controls fee application for debit transactions processed without a PIN

Behavior

Where to Configure

• Log in to the iPOSpays portal using an ISO account
• Navigate to: S.T.E.A.M → Search and select TPN → Edit Parameters

• Go to Fee Settings → Dual Pricing
• Locate the following parameters:
  • PIN Debit
  • Signature Debit
• Enable or disable each option based on the required behavior
• Click Save or Save As Template

Additional Behavior (CloudPOS)

When using PINpad:

• If the customer enters PIN → PIN Debit logic is applied
• If no PIN → Signature Debit logic is applied

For Pay Now / Send Payment Link:

• Transactions are treated as Signature Debit