How can you Store and Forward?

Store and forward is an application that some credit card terminals can run, that allows transactions to be taken without the terminal being connected to a phone line. The transactions are later processed when a connection is available.

Most wireless terminals have the ability to do store and forward, when there is no cellular coverage. But, there are also some land-line terminals that support store and forward. These terminals are a lot cheaper than wireless terminals, some having battery packs, making them moderately portable.

Store and forward on a land-line terminal can be a good solution for low volume mobile businesses, and can make a great backup for a wireless terminal. If you use a manual imprinter for your transactions, a store and forward battery operated terminal can be a good low cost step, without going to a wireless terminal.

What terminals work:
It’s not quite as simple as which terminals can support store and forward, because the correct terminal also has to be with the correct processing bank in order for the store and forward to be programmed correctly. Overall Lipman ‘Nurit’ terminals are the only ones that support store and forward. The wireless terminals (Nurit 3010, Nurit 8000) can be programmed with store and forward through at least Nova and FDMS, and the land-line terminals can potentially support store and forward at FDMS only.

As far as battery powered terminals go, there is the Nurit 2085U, the Nurit 3020U, and the Nurit 8320U, that have battery packs. These terminals are more difficult to obtain than the standard models, and will probably have to be special ordered, but are still much cheaper than wireless terminal.

Also, in the case of these terminals, you processor may charge extra to program these terminals with store and forward because the programming is almost always outsourced to the processing bank, who charges for it. Even if this normally wouldn’t be an issue, it is something to be aware of.

Store and forward isn’t perfect:
Store and forward creates an illusion that you are processing your customer’s cards just like normal, but this isn’t the case. No actual authorization is being made when using store and forward, so there is a chance that the card will decline when you finally go to run it. The second drawback is that if you don’t process the stored transactions quickly enough, they can all downgrade.

So, if you have an abnormally large transaction, or you have a bad feeling that the card may be no good, I recommend making a voice authorization before accepting the card. Businesses that get a lot of declined cards probably want to stay away from store and forward because all those declines will hurt your business and your time. Also, make sure to batch all of the transactions out of the terminal every day that you process to prevent downgrading.