I get about 99% of my reservations online. Usually once a year I take a reservation by telephone.
That said, the question of taking a deposit is a cultural one as well as a competitive one. I don't take a deposit, but I hold the card and I can process an authorization on the account. I find that it works for me. About 90% of my processing is done here and last year it was about 50% with chip. This year it is finally leaning towards 90% with chip since the US instituted it. It's still about 50% with PIN. Even if I do a keyed auth, I still process the end charge with C&P (EMV). I don't use Authorize.net at all and when I process a 3rd party payment I do it via Square invoicing so they are responsible for the security of the transaction including keeping the IP, etc.
It is more customary in the US to take deposits. But not as common in Canada, where people expect to process with card in hand on a portable bluetooth terminal with Chip & PIN..
Generic said:
It is more customary in the US to take deposits. But not as common in Canada, where people expect to process with card in hand on a portable bluetooth terminal with Chip & PIN.
We are now finding out why we don't have PINs here - Visa and MC are blocking it because they will lose money. Not, as they previously stated, because Americans are too stupid to memorize a number.
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Morticia said:
Generic said:
It is more customary in the US to take deposits. But not as common in Canada, where people expect to process with card in hand on a portable bluetooth terminal with Chip & PIN.
We are now finding out why we don't have PINs here - Visa and MC are blocking it because they will lose money. Not, as they previously stated, because Americans are too stupid to memorize a number.
Or with multiple cards people will use the same PIN which eventually degrades security. Also, adding the PIN is a time factor that slows down the transaction process and requires more equipment available especially in restaurants. At least, that's what the current commentary is. We are getting PIN people from abroad that say "oh I've used my card in tons of places in the States, they've never needed a PIN. Yeah, that's because they don't even have chip readers yet and are swiping it.
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Momma Smurf said:
Morticia said:
Generic said:
It is more customary in the US to take deposits. But not as common in Canada, where people expect to process with card in hand on a portable bluetooth terminal with Chip & PIN.
We are now finding out why we don't have PINs here - Visa and MC are blocking it because they will lose money. Not, as they previously stated, because Americans are too stupid to memorize a number.
Or with multiple cards people will use the same PIN which eventually degrades security. Also, adding the PIN is a time factor that slows down the transaction process and requires more equipment available especially in restaurants. At least, that's what the current commentary is. We are getting PIN people from abroad that say "oh I've used my card in tons of places in the States, they've never needed a PIN. Yeah, that's because they don't even have chip readers yet and are swiping it.
PIN transactions are faster. At least with the PIN enabled terminals. Guest enters PIN , receipt prints, good to go. No pen, no signature, easy peasy.
Seriously. My terminal takes the same time to process whether it's a PIN transaction or not. It's the chip part that's slower. But no signature. That part saves time. Because a guest with three bags slung over shoulders cannot sign the receipt.
If a guest chooses to compromise their card security, bank security, email security, etc by reusing PIN 's that's their problem, not mine.
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