Getnet DocsGetnet Docs

Process Cashback Operations

View as MarkdownView this page as plain textOpen in ChatGPTAsk questions about this pageOpen in ClaudeAsk questions about this pageOpen in PerplexityAsk questions about this page
Connect to CursorUse these docs in CursorConnect to VS CodeUse these docs in VS Code

This guide provides instructions on how to implement Cashback (Purchase with Cash Withdrawal) operations. This functionality allows a user to make a purchase and receive cash in a single transaction by explicitly declaring two separate amounts.

How it works

A Cashback operation modifies the standard transaction flow by splitting the total transaction into the base cost of goods/services and the additional cash amount requested by the customer.

  • Trigger Conditions: A transaction is processed as Cashback only if the TTY field is set to “09” and the ICB field contains a value greater than zero.
  • EMV Tag 9C: When TTY is set to “09”, the internal EMV kernel automatically formats Tag 9C (Transaction Type) to the correct EMV-defined value for Purchase with Cashback (09).
  • UI Behavior: The Pinpad displays a specific split-screen showing the purchase amount and the cashback amount clearly to the cardholder before prompting for the card.

To trigger a Cashback flow, the Host System modifies the initialization parameters used in a standard payment sequence (Y19 → Y15 → Y02). The steps below follow that sequence.

Step 1: Initialize with Y19

Define the primary Cashback parameters during the initial request:

  • Transaction Type (TTY): Set strictly to “09” (Purchase with Cashback).
  • Purchase Amount (IMP): The 12-digit numeric value representing the cost of goods/services (e.g., $15.00 = 000000001500).
  • Cashback Amount (ICB): The 12-digit numeric value representing the cash withdrawal amount (e.g., $20.00 = 000000002000).

Step 2: Set the total amount (Y15)

If your flow utilizes the Y15 command for EMV contact transactions, ensure the amounts are aligned:

  • Amount Update: The terminal uses the values provided in the flow to calculate the total presented to the user.
  • Confirmation: The user is asked to confirm the amounts visually on the terminal screen before card presentment.

Step 3: Retrieve data and authorize (Y02 / Y03)

Once the user confirms the amounts and presents the card:

  1. Y02 Update: The Host System can update the IMP or ICB amounts in the Y02 command if necessary.
  2. Authorization: The Host System receives the encrypted track data and EMV tags (including Tag 9C) to construct the authorization request for the backend.
  3. Completion: Use the Y03 command to deliver the authorizer’s response back to the terminal.

Terminal screens

When the Y19 requirement indicates a Cashback operation, the terminal presents a specialized UI to the cardholder:

  • Amount Display: The screen explicitly shows the amount to be delivered in cash along with the purchase amount.
  • Standard Fallback: If the ICB value is set to “000000000000”, the terminal ignores the Cashback logic and continues with a conventional purchase screen.

Although the software supports this flow, the Pinpad Getnet solution has not been officially certified for operations with cashback.

Next steps

With the Cashback flow implemented, you can proceed to other specialized transaction types:

  1. QR Code Payments: Learn how to implement the Y0Q flow for digital wallets.
  2. API Commands: Refer to the full technical structure for the Y19 and Y02 command fields.