Published May 19, 2020
To help consumers feel safer during checkout and payment, merchants are looking for ways to keep people from having to touch the PIN pad on the payment terminal. One easy option is to encourage contactless payments using mobile and wallet payment options, since most modern PIN pads are NFC enabled. This means retailers can accept contactless payments, even if they haven’t done so before.
One alternative that retailers, especially in the convenience sector, are exploring is disabling debit transactions. When you temporarily disable debit acceptance for US Common AIDs, the customer’s debit card defaults to being processed as credit. This way, shoppers don't have to touch the PIN pad, and a signature is not required.
This method doesn’t work with every type of debit card and could increase your payment processing fees—both from a higher volume of credit transactions and interchange costs set by Visa and Mastercard twice a year.*
While NCR does not endorse nor recommend removing the US Common AID from the EMV initialization files, we can provide information on how to do this. Contact your NCR representative for a step-by-step guide on how to make the change in your NCR EPS payment solution.
If your payment processing is with NCR Payment Solutions, you can email Assist.Payments@ncr.com and request the PIN debit service removed. If not, you can call your payment processor and ask to remove the debit service during the pandemic.
*In the spring and fall each year, Visa and Mastercard have new releases which includes interchange price increases. Visa has delayed the April 2020 enhancements/increases to July 2020. Latest information from Visa can be found here: https://usa.visa.com/support/small-business/regulations-fees.html.