Certain types of merchants such as hotels, restaurants and petrol
stations have special needs. Here are some suggestions to help you
research and follow best practices for your particular business:
- Contact trade associations.
- Contact specialist suppliers.
- Consider specialist assistance.
- Tailor your plan to the special requirements of your situation.
- Learn from similar projects in countries that have already
migrated to chip technology.
- Watch worldwide chip implementation in your particular category
for success stories.
You can find out more about what special needs apply to your industry
by consulting current trade publications and the Smart Card Alliance
Industry-Specific Best Practices
Certain industries face special challenges unique to their environments. Here are two key categories and the issues you should consider within each of them.
Hospitality industry, including hotels and restaurants
Self-service petrol stations
- Reservations – Bookings are usually taken over the phone
or online, so the card can’t be read by a terminal. Charges for
guaranteed reservations (“no-shows”) should not be processed as chip
transactions unless an EMV transaction has been performed.
- Check-in – A normal EMV transaction is completed at
check-in to verify that the card and cardholder are genuine and
guarantee funds before the final transaction amount is known. Acquirers
or merchants will determine an appropriate amount to be authorised.
- Express checkout (or card not present checkout) – It is
not necessary to perform a full EMV, card read transaction once the
final transaction amount is known.
- Gratuities – It is recommended that any gratuity be added
to the transaction amount before the EMV transaction starts. This will
ensure that the final billing amount is both presented to the card
during the transaction and displayed to the cardholder at the time of
PIN entry (if required).
For chip transactions in the self-service petrol environment, a
pre-authorised EMV transaction for the maximum amount is normally
completed before fuel is dispensed. If PIN entry is required, it is
best practice to display the maximum transaction amount to the
cardholder before the PIN is entered.
When the final purchase amount is known, a payment transaction is
generated using the chip data from the pre-authorisation. The final
billing amount will normally be displayed to the cardholder either on
the device’s screen or via a printed receipt if requested by the