- July 19, 2016
- Posted by: Joseph LaRocco
- Category: Knowledge
Our team provides restaurant owners with Micros EMV pay at table solutions to help them reduce costs and fees associated with non-PCI compliance, non-EMV certified POS systems and terminals, chargebacks from stolen credit cards and even chargebacks from so-called friendly fraud. Some of the available solutions include the Verifone wireless terminals, Ingenico terminals attached to the Micros POS via USB and a recently released pay at the table hand held tablet that integrates with Micros, Aloha, POSitouch and others. Not quite ready for our Micros EMV pay at the table solutions or maybe it don’t quite fit with your restaurant’s physical set up? No problem, we have other EMV solutions as well that fit any restaurant situation or POS system.
We take a three pronged approach which looks at security, making as few technology changes as possible and keeping the costs low (or in many cases, actually reducing the costs below what restaurants are currently paying without an EMV solution). One of the keys to true Micros EMV pay at table solutions is that the processing of the transaction should be encrypted when the data is being transmitted. Transmitting the data directly to the processor’s servers is the preferred method so that confidential financial information does not pass through a POS system where the data may be stored. This has been the cause of some of the major credit card data breaches, since those breaches usually take place at the POS system and not at the credit card terminal.
Click the bar below or contact Joe at 203-599-1928 for additional information. We are happy to help small businesses as well as larger multi-location businesses. Our competitive pricing and exceptional service have earned us an exceptional reputation in the industry.
Contact us for information on Micros EMV pay at table solutions that fit with your business. We even have some solutions that will save you time having to manually do tip adjust, which is a great time saver and avoids human error. Also, some of the features include loyalty programs and CRM tools so you can monitor customer satisfaction and deal with issues before an unhappy patron decides to post on social media.
While many agents have come and gone, we have established strong relationships with some of the best credit card processors, so we are not tied down to one pricing structure and can negotiate better rates for our merchant clients. We don’t believe in pushy sales tactics or hidden fees. We provide complete transparency and true interchange plus pricing.
We have also advised merchants on how to get out of existing lock-up agreements and avoid costly early termination fees that other sales agents had not properly explained to them. If they own a terminal that is locked, we can even help them get the terminal unlocked and then save money by processing through us at a lower rate. We also consider ourselves experts when it comes to advising merchants on Micros EMV pay at table solutions and accepting chip cards even when their current POS system is swipe only. Many merchants are now paying more because their POS systems cannot accept chip cards.
Another benefit in pricing that we can provide our merchants is being able to competitively quote them a price, since we are not tied down with just one merchant service provider.
Many sales agents are basically handcuffed since they can only offer pricing for Micros EMV pay at table solutions from one processor, even if another processor may have better pricing for that merchant’s industry. Some sales agents may not even be able to offer Micros EMV pay at table solutions because their processor is no yet approved with Oracle Micros in the Open Partner Network or OPN Cloud Program.
Another example of why being tied to one processor restricts the ability of a sales agent to assist a merchant involves point of sales (POS) systems. Some POS systems can only process credit cards through one processor because of an exclusivity or lock-up arrangement. Because of this restrictive arrangement, the processor often has higher processing fees since it knows the merchant cannot go somewhere else to get a competitive bid.
This anti-competitive agreement between the processor and POS company is usually a losing proposition for a merchant for several reasons. First, as we mentioned, the merchant has no chance of getting competitive pricing on the merchant processing fees it will be paying since it is getting a quote from only one processor that has tied up the POS company for whatever reason. Second, if the sales agent did not properly explain processing fees and the merchant later realizes the merchant processing fees he or she is paying are excessive, the merchant cannot switch processors without also switching to another POS company, which is a costly switch to make. Third, the sales agent may have required the merchant to sign up for a multi-year agreement so the merchant would not be able to get out of the merchant processing agreement.
We are a full solutions provider. We provide a free analysis to all businesses (wherever they are located), and can also help businesses with Micros EMV Pay at table solutions so they can accept “chip cards” even if their current POS system is swipe only. This saves them fees associated with non-PCI compliance, chargebacks associated with counterfeit credit cards and even charge back related to friendly fraud. We consider ourselves experts when it comes to advising merchants on POS solutions no matter which particular system they are using and can advise them on which POS system may be right for their particular business. We provide merchant processing solutions to a variety of businesses across multiple business sectors such as restaurants, dry cleaners, liquor stores, dentists, veterinarians and retail stores, to name a few.
Our clients know they can count on us as their payments industry expert, consultant and adviser. See how we can help you with your business.
Joseph LaRocco advises numerous businesses on Micros EMV pay at table solutions as well as on security issues, loss prevention related to credit card fraud and so-called “friendly fraud” done by card holders that contest a bill after seeing their credit card is being swiped and not inserted in an EMV terminal. Businesses should be aware that processors are now raising rates and charging merchants more for processing if they do not comply with the new EMV guidelines and upgrade to the new terminals for processing chip cards. Through our processors, we are currently one of the few groups able to offer what are true Micros pay at table solutions for the Micros 3700 series and Micros 9700 series of POS systems commonly used in the restaurant industry.
If you are looking for some advice on Micros EMV pay at table solutions, feel free to give us a no obligation call and we will be in touch with you promptly. We are always available to answer any questions you may have and provide a free analysis and quote to reduce your monthly costs.