Tuesday, May 26, 2020

Retailers Offering Curb Side Pickup, BOPIS, or Delivery could be in for a Shock (in a very bad way)!

So, I was just made aware of something not good about offering curb side pick, buy online pickup in store (BOPIS), or delivery. Basically, the company that handles your processing/merchant services account may immediately terminate your contract with them if they find out that you are offering curbside pickup, BOPIS, or delivery.

It boils down to the stipulations in your merchant services agreement. If it does not include curbside pick up, BOPIS, or delivery, then you are in breech of contract. This means that there is just cause to terminate the contract and you will lose the ability to accept payment by credit or debit card (with little to no warning).

Some common questions and advice:
  1. Seriously? Would the merchant services companies really do this? Yes - this information came directly from merchant services companies.
  2. How much notice would I get that my account is being terminated? In my experience, normally one business day but it could be more or less depending on which company handles your merchant services/credit card processing
  3. How would they even know that my retail store is offering delivery, BOPIS, or curbside pickup? If you have a local salesperson, they may notice what you offering (but may or may not say anything). The biggest danger is if you receive a charge back / dispute - then they will know for sure if the consumer states that the transaction was done curbside, BOPIS, or via delivery and not in store card present.
My Advice:
  1. Review your merchant services agreement / contract to see if delivery, BOPIS and curbside pick up are allowable. 
  2. If you are not sure, then contact the company or your salesperson directly.
  3. Use Square for processing sales that are not traditional in store card present transactions. Square appears to be more flexible when it comes to non-traditional sales transactions (but double check the agreement / contract to play it safe).
One other thought:
Your risk also appears to be related to what types of products you sell. For example, a retailer selling age restricted products (eg: tobacco or alcohol) appears to be in more danger than a retailer selling yarn

I'd appreciate any comments, questions or feedback on this topic! You can reach me at kevinantosh@gmail.com or 208-340-5632

Wednesday, May 20, 2020

Personal Protective Equipment (PPE) for Point of Sale Hardware

A collection of products that I have been made aware of that are designed to help reduce the spread of the coronavirus on high touch devices like payment terminals.

I have not tested any of these products and make no claim to warranties, effectiveness, durability or similar. I do not sell these products or have any relationship with the companies that make or sell these products.

I've been made aware of these products and feel that they may be of interest to retailers as more retail stores open across the US.

Here are the products covered in the video:

SpacePole Payment Terminal Paddle: Cost is around $30-$100. Purpose is to help with social distancing. Website:  https://www.spacepole.com/products/spacepole-mounting/spacepole-payment-paddle/

Payment Terminal Protective Covers: Cost starts around $15.00. Purpose is to add a skin/plastic membrane cover over the high touch parts of a payment terminal. One potential source to purchase this product is: https://discountcreditcardsupply.com/shop?category_no=119

Clear Plastic Stands: Cost $190+. Purpose is to add a barrier between the cashier and the customer. Large variety of products are available on the market. One example can be found here: https://www.shoppopdisplays.com/P_Shield002/clear-acrylic-cashier-checkout-shield-barrier-with-access-hole-screw-mount.html

UV Clean: Cost: TBD. Purpose is to sanitize payment terminals using UV light. More information can be found here: https://www.ens-co.com/solutions/products/uv24-pt/

Most of these products focus on the payment terminals instead of other POS hardware like the barcode scanners, etc. Generally, the payment terminals high the highest amount of touches from many different people throughout the day. The other POS hardware is generally only used by your employees and can be wiped down as needed.

If you have any PPE for POS Hardware that would be of interest to retailers, please contact me at kevinantosh@gmail.com or 208-340-5632.