Manual Key Entry (MKE) | Adyen Docs (2024)

FAQs

What is a manual key entry transaction? ›

Manual key entry (MKE) involves manually typing the details from a shopper's card on the payment terminal. You can use this when the payment terminal fails to obtain the card details from the card's chip or magnetic stripe. There is no liability shift with MKE. This means you are fully liable for fraud chargebacks.

A manual transaction refers to an entry added to your Found activity for bookkeeping purposes. The key difference between a manual transaction and a “regular” transaction is that manual transactions do not move money into or out of your Found account.

When this happens, the response includes a resultCode of Refused or Cancelled with a refusalReason field explaining why the transaction didn't succeed. The refusal reason is primarily based on the authorisation response code we receive from the issuer or card scheme, known as 'raw acquirer response'.

Regardless of your processor or the card being used, manually keyed transactions will typically cost more money. Here's why. For starters, there's no way for the credit card processor to verify that the card being used is actually present at the time of the sale.

There are four categories that a transaction can be categorized as: sales, purchases, receipts, and payments. Each of them involves money in some way and is recorded in your books in two locations.

What does 'manual payment' mean as a term? Manual payments can be considered any payment in which the vendor has to manually contribute to the process, whether that means taking cash and giving change, taking credit card details over the phone, or offering up an invoice and reconciling the resulting payment.

Key Takeaways

The four types of financial transactions are purchases, sales, payments, and receipts.

The acquirer usually is the combining entity whose single owner or organized group of owners holds the largest minority voting interest in the combined entity. The composition of the governing body of the combined entity.

issuing bank. In short, an issuing bank is the credit card holder's bank and the acquiring bank is the merchant or business's bank. The services and products these banks provide go beyond this simple explanation, but it is useful to view them through this lens.

What does declined 79 mean? ›

79: Already reversed. 82: Negative CAM, dCVV, iCVV, or CVV results. 85: No reason to decline. 86: Cannot verify PIN. 91: Issuer or switch unavailable.

While the transaction is secure, it involves more risk. You should only use manual entry as a last resort. Transactions that are manually entered will: Not count as “card present” transactions (even if the card is present).

Virtual Terminals. Virtual terminals are secure online applications that allow businesses to take credit card payments without a card machine. A merchant will access an online terminal where they can manually input customer card details to take payment.

key entry. type of computer data entry accomplished by manually typing the information on a computer keyboard. Key entry is much less efficient than other types of entry, such as scan entry or tape entry, because it is slower and more prone to human error.

Add a payment method to your Walmart account to make checking out faster and easier. You can scan your card using the camera on your device or enter the card number manually.

Key Entry is used when a merchant has an agreement with a Cardholder to charge their Card if certain conditions are triggered. For example, where a Cardholder is a no-show for a Hotel Booking made via an Online Travel Agent (OTA).