System Five on Cloud · The Counter

Card Processing

Card Processing is part of The Counter in Windward System Five. System Five includes 4 documented capabilities here — 2 in the standard set and 2 optional.

These 4 capabilities sit within System Five's 1287-capability documented set — a selection, not a ceiling.

Optional

Offline authorisation capture Optional #

Record a card approved outside the system

A transaction authorised outside the system — after a failure, or by voice — is captured onto the invoice with its authorisation and reference number without being re-authorised against the card.

Quest Eftpos card and debit processing Region-specific #

Take Eftpos payments in Australia

Credit and debit cards are authorised through a Quest Eftpos PIN pad in Australia, with card-present rates when swiped on the pad, optional cash back on debit, manual key entry as a fallback, and the customer and merchant slips stored and printed with the invoice.

Shared Network Card Authorization Optional #

Authorise every till off one connection

One machine on the network runs the payment software and authorizes for every till, over the internet in roughly three to four seconds or by modem in seven seconds or more, so the store needs only one connection. Address verification is available on some processors for mail order and e-commerce.

Transaction type tagging for card-not-present Region-specific #

Pay the right rate on remote sales

Mail order, telephone order and e-commerce transactions are tagged as such at the point of authorisation so the correct interchange treatment is applied to phone and web sales.

Every capability on this page is documented in the System Five capability index. Last updated 2026-11-05.