An on-board tester for testing integrated circuit chips, particularly ball grid array chips. These characteristics make it desirable for wall to wall use on golf courses, athletic fields and recreational venues where water quality is a consideration. The DFE may include a variable gain amplifier that is coupled to a summation node circuit and a digital sampler. Transactions involving these credit cards may require correct entry of a security token code, before the transactions are allowed to proceed. The first gateway forwards data rate information containing the first data signaling rate to the second gateway mechanism and the second gateway mechanism forwards data rate information containing the second data signaling rate to the first gateway mechanism.