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====== Desjardins/Monetico Flex Classic  ======
http://www.desjardins.com/en/entreprises/solutions/solutions-marchands/terminal-point-vente/flex.jsp\\

Monetico (previously Desjardins) Flex is a out of scope semi-integrated payment solution for use with Desjardins Canada. Windward System Five version 6.0.60.34 or above is required.  Supports EMV, Credit, Debit, Gift / prepaid, private label and Accord'D financing. Semi-integrated payment processing is a Windward Licensed feature. Please contact your Windward Sales representative.

===== Integration Methods =====
  * Serial
  * TCP/IP

===== What is it? =====
The semi-integrated payment solution allows a point-of-sale system to interact with the
payment solution resident in a payment terminal that is distinct from the point-of-sale
system. This interaction results in an optimization of the card payment process at the point
of sale and a reduction of the errors caused by the double entry of transactional information.\\

Flex provides an increased level of detachment which alleviates the burden for merchants in
meeting the PCI DSS (Payment Card Industry Data Security Standard) standards. By
entrusting the entire payment transaction processing to secure equipment that already meets
industry standards, it simplifies the integration with the point-of-sale system and reduces the
associated with the exposure of sensitive data such as card holder information.\\


==== With Flex, you get a complete range of functionality ====

The functions* provided to the point-of-sale system by the payment terminal in semi-integrated
mode can be grouped into five (5) categories as follows:
  * Online transactions
  * Offline transactions
  * Preauthorization transactions
  * Administrative functions
  * Miscellaneous functions

=== Online transactions ===
  * Purchase
  * Purchase with cash back
  * Telephone/mail purchase
  * Refund
  * Cancellation
  * Balance inquiry
  * Accord D financing
  * Prepaid card

=== Accord D financing ===
You can automatically offer Desjardins VISA card holders an additional line of credit for Accord D
financing at the point of sale. Three types of financing plans are offered:
  * Deferred payment financing (DPF): The client enjoys a grace period before making payment;
  * Financing with payment in equal monthly instalments (EPF): The client makes payments over a
predetermined period;
  * Combined financing (combination of DPF and EPF): The client begins payment after a grace
period and continues payments over a predetermined period.

=== Prepaid card program ===
The Flex solution allows for acceptance of a range of prepaid cards that represent an interesting
payment solution for your clients:
  * Card with a predetermined value
  * Card without a predetermined value
  * Card with or without an expiry date
  * Card with administration fees

=== Offline transactions ===
(Offline mode allows credit transactions to be performed when the Desjardins host is unavailable.)
  * Purchase
  * Telephone/mail purchase
  * Refund
  * Cancellation

=== Preauthorization transactions ===
  * Preauthorization
  * Preauthorization completion
  * Preauthorization reversal
  * List of non completed preauthorizations

=== Administrative functions ===
  * Batch totals
  * Batch close
  * Transaction list

=== Miscellaneous functions ===
  * Payment terminal status
  * Reprinting of last transaction record

=== Transaction Printing ===
Transactions can be printed on the i5300 payment terminal or the POS slip printer.\\
Invoice must be printed on the POS printer.\\

=== Integration Manual ===
{{DesjardinsSemiIntegrated.pdf|}}