Deposit taken early, balance on arrival. We take card into our office and return to central hall where they sign.
If they must be with their card, they can follow - this is when I wish we had the machine in the entry. I just wonder what these people do at restaurants where the waiter takes the card to the back..
copperhead said:
Deposit taken early, balance on arrival. We take card into our office and return to central hall where they sign.
If they must be with their card, they can follow - this is when I wish we had the machine in the entry. I just wonder what these people do at restaurants where the waiter takes the card to the back.
Part of Chip & Pin... you can't walk away with the card and process the charge. You need the card and the owner to be in proximity, they need to be there, physically.
At restaurants locally, they bring a hand held unit to your table now. Or you have to go to the cash to pay. No more taking the card and walking away with it.
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Eric Arthur Blair said:
copperhead said:
Deposit taken early, balance on arrival. We take card into our office and return to central hall where they sign.
If they must be with their card, they can follow - this is when I wish we had the machine in the entry. I just wonder what these people do at restaurants where the waiter takes the card to the back.
Part of Chip & Pin... you can't walk away with the card and process the charge. You need the card and the owner to be in proximity, they need to be there, physically.
At restaurants locally, they bring a hand held unit to your table now. Or you have to go to the cash to pay. No more taking the card and walking away with it.
So are you able to take deposits???
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We don't take deposits. But yes, we could take deposits. You manually enter and then you have to push "card not present" and of course you have a higher fee for that. You are also not protected from a charge-back.
If you have the card and swipe it and it's chip & pin it will tell you to insert the card into the pinpad to process the transaction. The holder must be there to process. In return for this, we are protected from charge-backs, since the person both had the card and validated the card with their PIN. We don't need to collect a signature and we don't have to worry about fraud.
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Eric Arthur Blair said:
We don't need to collect a signature and we don't have to worry about fraud.
It will be great when we have that too! Currently, some fast food places, and the post office, don't require a signature, but I suspect it's because the amounts being charged are so small they just accept the risk of not getting a signature in order to speed up the checkout process.
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Yes. But the customer must have a chip, the card must be read by the chip and they must enter their PIN. Not the paypass nonsense, that has no security whatsover.... So I don't have charge backs if they are processed this way. But it means that I need the physical card and the physical person there to process in this fashion. EMV and it's coming to the US. But for me it leave me with the choice of either moving the CC machine to a place where the guests will be, or letting the guests in to my personal space. A dilemma we are trying to overcome.
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So, what's the issue with moving the cc machine to the entryway? I mean, if this is what you want to do, why are you not doing it? What thoughts are you thinking that you want to overcome?
Our machine is loud. It's the old clackety clack, not the new, quiet kind. This is why we don't do cc processing in the morning. Everyone is trying to eat and that machine drowns out everything!
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