[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.