Field notes: E

EBT FCS Id: The state government-issued Food and Consumer ID number assigned to the merchant.

The EBT Return Threshold value for the merchant, if the BIN is participating in the Selective Debit Reject (SDR) program.

Possible values are:

(Blank): This indicates the merchant's threshold value is based on the SDR BIN threshold value for the associated BIN on the BIN Setup page.
Note: If the Debit Return Threshold and EBT Return Threshold fields for the associated BIN are blank, the SDR fields for the merchant are rendered unavailable; this indicates that the merchant is not participating in SDR.
00000: This indicates all EBT returns are not allowed. Attempts for returns will be rejected at the time of authorization.
00001-99999: This indicates the dollar amount up to which EBT returns are allowed.

EBT Trans Type: The option selected from the drop-down list indicates whether the terminal can process food stamps or cash benefits. The available options are:

E-Commerce Indicator: The selection from the drop-down list indicates what cardholder information, if any, is received over the Internet by means of a secured or unsecured data transfer. The available options are:

E Commerce Options: Select one of these options to indicate how the merchant conducts e-commerce transactions:

ECR Baud Rate: The speed at which data is transmitted for electronic cash register transactions.

EDC: Electronic Data Capture. Indicates that the merchant has a terminal configured to capture transactions. This check box should only be clear if the merchant submits batches on paper.

EDC Primary: The phone number (xxx-xxx-xxxx format) that the terminal will dial when transmitting a batch.

EDC Secondary: The phone number (xxx-xxx-xxxx format) that the terminal will dial when transmitting a batch if the primary number is unavailable.

Edit Activity: Indicates the manner in which banking activity should be monitored. This flag applies to the Current Day Deposit category only. It does not affect other categories of exception reporting.

Effective Date of Change: The date on which the future settings for a discount rate table will go into effect.

Electronic Check: A billing element table category that contains billing items related to electronic check conversion costs. These tables can be created to calculate expense and income on SMS or third party check conversions. When a third party is involved, options are available for choosing the third party vendor.

Electronic Interchange Reimbursement Fee (ERF): Indicates that the merchant is eligible for this Visa program.

Electronic Serial Number (ESN): A unique identifier encoded into the terminal hardware.

Eligible for Deletion: Selecting this option returns billing element tables that do not have a merchant or an association pointing to them, making them eligible for deletion.

Email: The contact's email address or the ship to recipient's email address. On the Merchant Sales Rep Details page, the email address of the sales representative.

E-mail Address (for disk only): The merchant's email address for replacement shipments.

Emerging Market (EMK): Indicates that the merchant is eligible for this Visa program.

EMV Block: Indicates if all terminals within the BIN are being blocked for processing EMV transactions. This field is located on the BIN Setup (2) page.

EMV Device (Terminal VAR Details page): The devices that the VAR has

EMV certified.

EMV is a standard that Europay, Mastercard International, and Visa International created. The standard is now managed by EMVCo, a consortium with control split equally among Visa, Mastercard, JCB, American Express, China UnionPay, and Discover. This consortium promotes the use of smart cards. A smart card is a payment card with an embedded microprocessor, or chip. Such cards are commonly known as chip cards. Because the chip can hold much more information than a magnetic stripe, it supports multiple methods of authentication. This makes the process more secure for both the merchant and the consumer, with fewer fraudulent transactions due to compromised data.

Security features include:

Card verification: This protects against counterfeit cards by verifying the card. The verification process cannot use previously captured data; each chip card transaction creates unique transaction data with two-factor authorization using the chip and the card verification value (CVV).
Cardholder verification: This verifies that the customer is an authorized cardholder. The issuer prioritizes cardholder verification methods (CVMs) based on the associated risk of the transaction. EMV supports four CVMs:
- Offline PIN (internal/external PIN pad required)
- Online PIN (internal/external PIN pad required)
- Signature
- No CVM
Transaction authorization:
- Online: EMV transactions use the same process as magnetic stripe transactions by communicating with the network. You can view the online authorization or decline in e-Connections.
- Offline: The chip on the card and terminal communicate. The offline transaction does not require communication with the network. The chip uses issuer-defined risk parameters to approve or decline the transaction. You can't view the offline authorization or decline in the system until after the settlement.

Point of Sale devices are EMV enabled when both their hardware and software can accept and process contact (inserted) or contactless (tap) chip card transactions.

Indicates the encryption vendor, if the terminal is participating in encryption. Options include:

T: TDES
V: Voltage
P: P2PE (Point to Point Encryption). If this option is selected, the Alt. Manufacturer, Alt. Model, and (on the Terminal Details page) Serial Number must be entered for successful authentication and decryption.
N: NESA (Non-Listed Encryption Solution Assessment). If this option is selected, the Alt. Manufacturer, Alt. Model, and (on the Terminal Details page) Serial Number must be entered for successful authentication and decryption.

End: The ending date parameter for the Request Received Date Range or the Request Closed Date Range.

End Date and Time: Search to this date and time for records. The format is mm/dd/yyyy hh. The date cannot be more than six months from the current date.

End Date/Time: Indicates the extraction window end date and time in the MAS Backfeed Report.

Enhancement Canada Fee (ENH): This is only available and visible to Canadian acquirers. If set to Y, the transaction is eligible to receive one of the Canadian interchange programs; refer to Visa Interchanges guidelines for more information.

Enrollment Date: The date on which the merchant was enrolled in the gift card program.

Enter Franchise CAP Number Request: If this merchant location is part of a chain/franchise, enter the AMEX CAP number, or click the adjacent franchise CAP Lookup button to open the Franchise CAP Number Listing box, select the option button for the relevant Franchise Cap#, and then click the submit selection button.

Enter Total on Settlement: Indicates that the terminal should prompt the merchant to enter a settlement amount.

Entity: A categorization of data, the attributes of which can be searched within Express. Common entities include terminal, merchant, rate tables, and elements among the Bank and BIN hierarchies.

Entity Type: The classification of entity currently in context for an audit. The type of entity record that was pended.

Estimated Sales Volume: The estimated annual American Express sales volume for the merchant.

The MasterCard ethnicity designation for the account. Possible values:

0 - Unknown
1 - African American
2 - Asia Pacific American
3 - Subcontinent Asian American
4 - Hispanic American
5 - Native American Indian
6 - Native Hawaiian
7 - Native Alaskan
8 - Caucasian
9 - Other

Estimated Average Charge: The merchant's average charge amount. This value must be greater than zero.

'Exceeds Auth Amt' Prompt: Enables the terminal to notify the merchant if the tip amount entered exceeds the pre-authorized amount. The pre-authorized amount is determined by the value entered in either the Auth Margin % field on the ExtendCard Settings page or the value entered in the Tip Calculation % field on the Equinox Terminal Settings page, with the value entered in the Tip Calculation % field taking precedence.

Exempt (Merchant Account > IRS Data > Backup WIthholding Settings): Select this check box if the merchant is exempt from Backup Withholding.

Exception Category Selection: The list of categories that is available or already existing for the selected Bank Exception Table.

Exception Date: Indicates the date that the merchant record was written to the merchant exception table.

Exception Table: The four-digit table number for the merchant exception table.

Exception Table Description: A user-defined description of the currently viewed exception table.

Exception Table Number: The four-digit table number for the merchant exception table.

This field allows you to set a threshold amount for excessive deposits for the merchant. If the dollar amount of the entire batch is over the specified threshold, the entire batch will be rejected.

Valid values are between 0.00 (the default) and 999999999.99 (999,999,999.99).

The field may be left blank, unless the Bypass Flag Excessive Debit for the merchant is not selected (N), in which case the value must be 0.00 or greater.

Excessive Tab %: A percentage amount entry in this field enables an error message to appear if the close tab amount exceeds the open tab amount by that percentage amount entry. Acceptable values for this field are 00-99. Single-digit values must be entered with a leading zero; for example, 04.

Excessive Tip %: A percentage amount entry in this field enables an error message to appear if the tip amount exceeds that percentage amount entry. Acceptable values for this field are 00-99. Single-digit values must be entered with a leading zero; for example, 04.

Existing DRTs: Allows you to select an existing discount rate table to view or edit.

Existing Synapse Merchant: Indicates that the merchant is an existing Synapse subscriber.

Expiration: The date (MMYY format) on which the expense for this billing item will no longer be calculated. You cannot add billing items that expire in the past, but you can maintain expired billing items.

Expiration Date: The date (mm/dd/yyyy format) on which charges for this record will expire. A value of 99/99/9999 indicates that the charge record has no expiration date. As part of the bank default charge records process, The purpose of this field is to allow users to charge a fee monthly for a specified number of months, up to 1 year after the merchant is boarded. When used with Frequency = One-Time, this allows the user to charge a fee once, but to set the expiration date out for up to 13 months, so that they can choose to re-assess the fee during that time period by selecting an additional month for this charge record at the merchant level without having to also change the expiration date.

Expiration Date Required: Enables the terminal to prompt for the Visa card's expiration date when the card number is manually entered.

Expires: Indicates that the merchant charge record expires. If this option is enabled, then you must set an expiration date in the Expiration Date field.

Express Count: Indicates the number of Express table records updated in the MMS backfeed count file.

Express Table Name: Indicates the name of the Express table in the MMS back-feed count file.