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Credit Card Applications » News » Other » Credit Card Payment Device

Credit Card Payment Device

January 31, 2008 | Updated on January 31, 2008
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The content is accurate at the time of publication and is subject to change.

Credit Card Scanners - Control Your Plastic at Restaurants

Up to very recently, restaurants have been the only place among other retailers with weak security systems for credit card payment transactions. Many of us still remember the much-talked-of security breaches at restaurant chains, when credit card data of hundreds of customers was stolen and sold to ID thieves and credit card fraudsters.

The incident has not caused a cutback of customers so far, but I order to prevent its possibility, officials in credit payment systems have introduced a special handheld device that has gained complete acceptance and popularity in Europe already.

The pay-at-table systems, or credit card scanners, looking much the same as those you see when using you credit cards in stores, have already reduced the incidents of credit card fraud and ID theft in Europe and the same effect is expected in the States.

The implementation of the pay-at-table system is at least expected to give customers a peace of mind as they won't have to give their credit card to a waiter and wait until the transaction is processed, being unable to see how exactly it all is happening.

The new system will especially please frequent guests who visit a particular restaurant just for the sake of benefiting from their points reward credit cards.It is on principle important for such customers to pay for the meal with plastic as it gives them points for each dollar spent.

Being able to effect the payment holding the credit card in hand will not only allow customers to feel secure but will also save their time and spare nerves in case of a hurry. Restaurant owners are also looking at the time saving matter with a profiteering point.

As the pay-at-table system provides for much quicker credit payment processing, it will make the flow of visitors faster, thus allowing to have more customers a day. Besides, the pay-at-table system allows processing debit cards with PIN codes and processing a debit card transaction costs much cheaper to restaurant owners than a regular credit card charge.

It does promise larger revenuers for the restaurant business. But what about more important issues? The implementation of the new device is not so much a matter of time saving as of securing credit card data, credit card number in particular.

Being able to watch and control the transaction process, customers eliminate the possibility of their card being copied and skimmed. Thus they themselves can take action to protect themselves from ID theft.

In spite of all this, the pay-at-table system has not yet seen complete acceptance. A number of restaurant owners are still experimenting and it can take them many months to venture introducing the gadgets on continuing basis.

Some owners don't like it that using the device will make guests rush and some just doubt its efficiency. But, considering the enthusiasm of owners who gave already tested and accepted the system and guests who have tried it, the handheld payment device is sure to come soon.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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