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Gives examples of situations which could occur at the front end when a customer presents an EFT card for payment and explains the processes. Including a purchase made wholly by EFT, purchase made in part by EFT, insufficient funds to cover a purchase, customers inability to remember PIN, insufficient cleared funds in account and use of cash withdrawal facilities.

EFT (Electronic Funds Transfer), refers to systems for the electronic transfer of money. This includes EFTPOS (Electronic Funds Transfer at Point of Sale) systems, which are systems which allow the electronic transfer at the point of sale (ie the checkout), and which enable electronic payment with a credit or debit card. EFTPOS was introduced to Sainsbury's stores in October 1989 - initially only the Switch debit card was accepted by Sainsbury's, but from 1991 credit cards were also accepted.