Salient features of Cash@POS facility:
 Minimum amount of withdrawal Rs.100/- (thereafter in
multiples of Rs.100/- ).
 Maximum of Rs.1000/- per day per card.
 Cash withdrawal at POS available to all debit cards / Prepaid
cards issued in India.
 Convenience fee fixed at 1% on State Bank group debit cards to
be charged to the card holder.
Minimum Rs.7.50/Maximum Rs.10/ Incentive of Rs.5/- paid on each successful cash transaction to
the merchant.
Cash @ PoS: Benefits
Advantages for cardholder:
 More cash points and greater customer
convenience.
 Convenience – can combine two transactions
Sales and Cash into one.
 Safe and convenient way to obtain cash.
Advantages to CSP:
 Reduces cost of cash handling.
 Increased customer loyalty.
 Potential source of revenue to the merchant.
 Re-circulate cash (better cash management).
Monthly Rental payable by CSP
Particulars
Monthly rental to recover additional
cost of desktop GPRS terminal(s),
per terminal, including monthly SIM
charges to be collected through
Standing Instructions
One time Non-refundable security
deposit amount at the time of
installation per terminal to be
recovered centrally
PSTN
Desktop GPRS
Portable GPRS
Rs. 250
Rs. 350
Rs. 450
NA
Rs.200
Rs.400
Transaction Process flow
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Cardholder requests CSP for withdrawal of cash through POS.
CSP selects the transaction type i.e. Cash only or Sale & Cash.
Customer swipes his debit card on the POS at the CSP Establishment.
CSP enters the amount desired by the Cardholder and presses “Submit”.
Cardholder is requested to enter Personal Identification Number (PIN)
POS Terminal validates the request and transmits the transaction
message in secured environment to the Acquirer switch (Prizm / Atos ) for
presenting the transaction to the card issuer for necessary response i.e.
authorization or decline.
 State Bank Debit Card transactions are transmitted directly to SBI Switch
and non SBI Cards through Visa/ MasterCard/ Rupay i.e. the relevant card
Network.
 Card issuing bank validates the transaction such as daily limit, lost/ stolen
card, card number and PIN and adequate balance in the account etc. and
responds to the transaction message with suitable response code i.e.
accept or reject.
 If the cardholder account has sufficient balance, it debits the cardholder’s
account with the prescribed amount (single transaction i.e. amount
withdrawn plus convenience fee if any to be charged) and credits to the
settlement account.
 The acquirer system receives the response and forwards the same (in
automated environment) to the prescribed POS terminal.
 The POS terminal generates a Charge slip in duplicate (Merchant Copy
and Customer Copy) containing the amount withdrawn and purchase of
merchandise (if applicable) separately. It also contains other details such
as CSP identity, date and time of transaction, Terminal
ID, issuer authorisation number etc.
 The cardholder is requested to sign the Merchant Copy of the charge slip.
The CSP verifies the cardholder’s signatures from the one appearing
on the reverse of the card and delivers the cash along with the customer
copy of charge slip to the cardholder.
 The transaction is complete.
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