[rtanaka]

No problem. I've been mostly a lurker on HN for a while but this is the first time being put under the microscope. I apologize if I came off as defensive. This is a product that's very close to my heart given the amount of time and effort we've put into the product offering. For the record, none of us here posted the article we are here because of the amount of attention and discussion it has garnered.

Point taken about the errors. There are many things we can improve on all across the board. We made a conscious decision to not let perfect be the enemy of good. The video is done so we won't go back and change that but I will work with the team to fix all of our marketing material to be as accurate as possible. Thank you for pointing out or errors.

With regards to tip entry. Industry standard recommends gratuity be added before PIN but it is not mandatory and is a merchant preference. I can't find all the card network examples easily but I happen to have the AMEX EMV Acceptance Guide open and this is what section 4.2.7 states - "In certain Merchant categories such as restaurants, it is standard practice to enable customers to add a gratuity to the amount of the transaction. There are many different ways in which a gratuity can be added. American Express does not define any specific methods for adding gratuities..." it further goes on to say "American Express recommends that Terminal software enables the Cardmember to add the gratuity amount to the transaction before entering his or her PIN. This enables the transaction to be processed as a normal, “card present” transaction."

In any case, we've all appreciated the various comments on here and it has clearly been the most critical audience of the bunch.

[bravo22]

Omissions and errors happen. Your company has responded better than most. I'm glad someone from your company was on the forum to correct the record.

With respect to the tip flow, with Chip & PIN you would need the final amount before authorizing the transaction so the tip would be added before just as your guide suggests. Chip & PIN terminals in Canada and Europe do just that. They present you with the tip screen (% or amount) before you enter your PIN & finish the transaction. For MSR, just like in restaurants today, they can change the amount after the initial authorization but they also often authorize for about 50% more (to allow for tip) and then do the capture once the server takes the bill from the table and "closes" it with the correct tip.

I can say from personal preference that I would do a double take if a device allowed me to put my card in and finished the transaction and then permitted a change to the charge amount. What is stopping the cashier from adding her own tip once I walk away.

[rtanaka]

As mentioned, the point at which the dialog for tip is presented (before or after CVM check) is a configuration option for the merchant. Keep in mind we are deploying a US solution first. We are also anticipating that in the US we will have signature as the primary CVM before PIN. From that perspective, our flow will should be a little less odd.

That said, in the true Chip & PIN solution, once you ask for tip after PIN entry you as the merchant are opening yourself up to higher rates (Card Not Present) as well assuming liability for chargebacks. I don't know why a merchant would want to do that but as a platform we have chosen that use-case as an option.

[bravo22]

Thank you for the context.