Thanks, I'll tell her. Actually, I already DID tell her she was being BS'd by her processor. Scaring her into thinking she can't get tips. And then asking her if her clientele are REALLY going to use a stolen card.
She said they told her the program was developed in Europe where they don't tip so the tip function doesn't work. (I asked about Canada.) Her processor said the state restaurant association is in an uproar because they can't switch to EMV because no one knows how to do tipping. Again BS.
But, yes, the only chipped cards that have asked for a pin are foreign. And the machine refused a debit card with a chip. And the card company told the guest my machine wasn't set up for EMV..
Well, any processor who can't process EMV is supposed to be cut off by MC/Visa as of tomorrow. So, ask her if they are going to be cut off, because they can't properly process EMV... and if so, then you assume your contract is null and you can just call up another processor.
When I get a refusal for a card, I ask the client if they want me to call for authorization. It costs a bit more, but you call and tell them that it was denied but the client wants voice authorization. They usually call that bank directly so that bank can be the one who does the denial and they are unable to claim it was you.
Of course, that being said, I have a client who on a review tried to blame me because their AMEX card got denied by Square.
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Generic said:
Well, any processor who can't process EMV is supposed to be cut off by MC/Visa as of tomorrow. So, ask her if they are going to be cut off, because they can't properly process EMV... and if so, then you assume your contract is null and you can just call up another processor.
I can't find that anywhere. Her processor CAN do EMV, they're just telling her they can't do it for restaurants. So, technically, they are up-to-date, but she isn't and they talked her out of the update by saying how hard it would be to have to keep running back and forth to the tables. Rather than set up the tip function like you said and have everyone just go to the front to pay. (Her machine is not wireless.)
My machine isn't wireless but the guest is standing right there, I don't walk off with the card. I step away so they can do the pin in private.
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If she is a restaurant then she NEEDS a bluetooth unit, unless they are centralized cash. It's not even a choice. She needs a terminal like the iWL220. The waiter takes it with them to the client.
So, if she doesn't have such a terminal, the problem is actually her. You can't do restaurant on a central terminal anymore. You aren't supposed to remove the card from client sight anymore... EVER!
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Generic said:
If she is a restaurant then she NEEDS a bluetooth unit, unless they are centralized cash. It's not even a choice. She needs a terminal like the iWL220. The waiter takes it with them to the client.
So, if she doesn't have such a terminal, the problem is actually her. You can't do restaurant on a central terminal anymore. You aren't supposed to remove the card from client sight anymore... EVER!
Sorry, we're in the dark ages here and no one in this town has mobile terminals. They are ALL central and usually at the bar. I've never seen a mobile terminal. Not here, not in Vegas, nowhere we traveled this spring or last fall.
As it turns out, I sent info and she told me if the program only allows up to 20% tips she's not doing it all. Not going to give up the random 25% tip. So, I did my part.
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I don't know about her system, but around here you are presented with a screen that says $ or %. If you push $ it then lets you put in an amount. If you push % it usually offers 3 rates, which I think are programmed plus a your own selection. In most restaurants around here it comes up with 15%, 20% or 25%, but that's because the standard around here is actually 15% (they earn minimum wage plus tips.) But you can certainly override the amount at any point.
Well, she is going to have to get with the technology.... because it's coming. Around here almost 100% of restaurants are bluetooth terminal to the customer. There are a few which are centralized cash (you can still tip). But there is no such thing anymore as walking off with the clients card.
Told you that EMV will change things. First thing it changed around here was that we have to press 1 to start a transaction to indicate it's a sale. We are so used to showing restaurants that we are paying by card, so they bring the terminal.... that if you asked to take my card I would refuse.... I assume anyone taking my card is trying to steal or clone it. It NEVER leaves my eyesight, NEVER!
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At this point, fewer than 50% of terminals are even set up with the new technology. If the terminal is even capable of being programmed. No one thinks this is going to take over within even the next 3 years.
How many times has it been brought up and I've heard: what's that? (As in my friend yesterday who had no idea what I was talking about.)
Well, her processor has her convinced she won't get big tips and it's too much work to run back and forth and she doesn't have wireless so that's it. She's staying with what she has. As I said, I haven't seen tableside payment anywhere in this country and that's across 6-7 states.
Today at the grocery store, with a chipped card, it was still swiped. And our cards don't have pins. So it's all the same thing!
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Well, when she gets ripped off, she automatically loses (I assume the bank didn't tell her this). But there will be a time where she will be shut out of the system entirely. And one other thing that most people don't realize... data compromise liability shift as well. So if you aren't able to process with EMV and your data is compromised, you are responsible for the losses.
I haven't been on your side of the border since early this year, but only one store required my chip card...would not allow swipe on my card at all.
Around here, just to tell you what it's going to be like, there is no way to pay except by chip for some transactions... machines won't even read magnetic stripe. In Europe, the banks aren't required to have magnetic stripe readers anymore and the banks don't have to have a magnetic stripe on the card. In one department store in Spain, the clerks had to manually enter the card number to process a charge because they don't have stripe readers anymore.
In the last year I have signed for just one transaction. Crate & Barrel. And the girl apologized for being in the stone age because of head office. We had a few businesses in the beginning refuse to change... between the clients always asking why they are in the stone age and the processors asking them if they are keeping data, data security one what they are keeping and why they are keeping data they aren't supposed to.... they switched. Businesses are NOT supposed to be keeping your CC number on file and they aren't supposed to be following your purchases by your CC number and that's why they were trying to keep the old system.
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