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Marketing 360® Blog

Tips for Keeping Your Payment Process Safe During COVID

Post By Audriana Talamantes | Payments and POS

As many retailers and restaurants across the nation begin to re-open their doors, small businesses are challenged with not only adapting to local and state guidelines, but they are also tasked with creating peace of mind for their customers.

Giants like Taco Bell, Nordstrom, and others have cracked the code by really putting their precautions and safety steps front row center with all of their marketing efforts. They’ve also leveraged technologies, such as order ahead online and curbside pick up, and are taking steps to minimize contact during the payment process itself.

While these retailers typically have custom development teams that can develop this technology almost overnight, any business can take advantage of our tips.

How to Make Your Payment Process Safe During the Pandemic

#1. Take advantage of contactless payments.

These days, the less direct contact you can have with customers, the more comfortable more of them are going to feel. Give them more peace of mind by allowing them to pay contactlessly with their phone through NFC (near field communication) payments. A few examples of NFC payments include Tap and Go, Apple Pay, and Android Pay.

#2. Add customer-facing devices.

With a customer-facing payment device, customers control the payment process. This means that there is no need to hand their credit card to the cashier and allows them to keep their distance while making payments.

Make sure that any customer-facing devices you use are easy to use and made to stand up to continuous customer use throughout the day. You should also be prepared to clean customer-facing devices after each use. However, you should never spray disinfectant directly on your device.

#3. Turn off the signature prompt on your payment terminal.

Signature requirements have been slowly going away over the past few years, but it’s becoming a thing of the past even more in the midst of coronavirus. If your system is capable of accepting EMV chip cards, you should consider turning off the signature prompt on your payment terminal.

While many credit cards have not required signatures for small payments for years, many more are doing away with it altogether. Visa, American Express, Discover, and MasterCard have all removed the signature requirement, so there’s no reason for you to keep requiring it of your customers, especially when it lengthens the time that customers are standing in your store or restaurant making a payment.

#4. Accept signature debit transactions.

When someone uses a debit card, the payment is processed in one of two ways. It’s either paid as an electronic funds transfer (EFT), which requires a PIN, or it’s made as a signature debit transaction through the credit card processing network.

Many retail stores and restaurants prefer not to accept signature debit transactions because it typically means having to pay an interchange fee, which is usually 2 to 3 percent of the total purchase. Luckily, payment solutions from Marketing 360® are here for you.

Ask us how you can still get a debit rate without entering a PIN number!

#5. Offer online ordering.

Even if you do everything you can to minimize contact and keep everyone safe during the payment process, some people will still prefer to place orders online. And, if your website isn’t currently able to accept online payments, it’s time to consider upgrading to a site that can.

You don’t have to have a design degree or hire a professional website designer to build a beautiful, functional website for your business. When you build your own website with Websites 360®, your customers will be able to order ahead and complete the payment process 100-percent online.

Are you a restaurant looking for advice on developing a safer tipping process? Contact us today!

Let your customers know what you’re doing to keep them safe.

Now, more than ever, you customers want to know what steps you’re taking to keep them safe, so don’t forget to get the word out to your customers on your social media accounts and website.

We are all figuring this new world out, so make sure to keep your customers in the know with a simple social media post. This should include the precautions you are taking, what they can expect at your establishment, other ways they can shop with you, and how to contact you. Be sure to mention any special accommodations you might be making, such as home delivery, curbside pickup, or early shopping for at-risk individuals. We all love email and text, so be sure to offer that as a way for your clients to stay up to date.


From state-of-the-art POS systems to payment processing, Marketing 360 has the payments solutions you need. Learn about how we can help to reduce contact and keep everyone safe throughout the payment process when you contact us today.