Separate Debit Processing Controls (iPOSTransact API)

Merchants can now configure PIN Debit and Signature Debit behavior separately under the existing “Treat Debit as Cash” functionality in the Portal. This enhancement provides greater flexibility by allowing fees to be applied or removed independently based on how the debit transaction is processed in iPOSTransact API flows.

Supported Channels: iPOSTransact API (Sale, Ticket)

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
Signature Debit – Controls fee application for debit transactions processed without a PIN

Behavior

Condition	Result
PIN Debit is enabled	Fee is removed (treated as cash)
PIN Debit is disabled	A fee is applied
Signature Debit is enabled	Fee is removed
Signature Debit is disabled	Fee is applied
Treat Debit as Cash is disabled	A fee is applied for all transactions
Credit card transactions	The fee is always applied

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

Additional Behavior (iPOSTransact API)

If the transaction is processed as PIN-authenticated Debit → PIN Debit logic is applied
If the transaction is processed as non-PIN (Signature) Debit → Signature Debit logic is applied
The system determines the debit type based on transaction processing and switch response

Both PIN Debit and Signature Debit work independently
Behavior depends on how the transaction is processed (PIN vs non-PIN)
Backward compatibility is maintained
If parameters are not configured, the system follows the existing Treat Debit as Cash behavior

Developer Documentation

For complete API details, including request and response structures, refer to:

iPOS Transact API

Bug Fixes