NCR CORONAVIRUS RESPONSE RESOURCES

Going “touchless” with payments to protect your customers and employees

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.

 

Disabling debit transactions

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.

 

Be aware of the associated risks

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.*

 

Before you make the decision, consider:

  • PIN debit offers more advantages for businesses with a large average ticket, so as soon as it’s safe, you’ll want to contact your payment processor to add the PIN debit service
  • If you continue with PIN debit, be sure to clean the PIN pad and keep hand sanitizer nearby for each transaction
  • Signature debit (also known as offline debit) offers more advantages for businesses who have a small average ticket, like convenience stores and fast food restaurants
  • Small average tickets generally benefit from processing all transactions as credit, making it simple for the customer and merchants

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.

 

Coronavirus Response Resources for Retail

Austria is first in Europe to ease lockdown

CDC and World Health Organization coronavirus updates for retailers

Cleaning NCR Hardware

Convenience and fuel retailers are more essential than ever during pandemic

European retailers are increasing limits for contactless card payments

Grocery and supermarket store guidance during COVID-19

Here’s how 3 retailers are taking care of their communities amid the coronavirus outbreak

How convenience stores can put customers’ minds at ease during the COVID-19 pandemic (and beyond)

How grocery retailers are modifying store hours and operations

How retailers can adjust to changing shopper habits amid the coronavirus pandemic

How retailers can leverage e-commerce to account for store closures

How the foodservice supply chain is pivoting amid COVID-19

How to set up your retail business to succeed now and in the future

NCR helps retailers create touchless self-checkout

Retail: Frequently asked questions regarding COVID-19

Retail heroes help those in need during coronavirus pandemic

Retailers: How to communicate to your customers during the COVID-19 outbreak

Store guidance for department and specialty retailers: what to do if your stores need to close or if you’re staying open

Trusted resources you can lean on to stay informed during COVID-19

Trustworthy coronavirus information resources for retailers

US grocers focusing on hiring hospitality workers suddenly out of work

What do you need to keep your help desk remotely running?

What is Peak Season 2? And can you manage it remotely?

What retailers should consider before going to touchless payments

Wholesalers: What to do with your NCR technology if you need to close

Need more information?