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Spotlight Innovators

eadquartered in Troy, Michigan, award-winning
North American Bancard is an industry leader
in credit card processing, providing a variety of
H merchant services that help client companies of
all sizes develop solutions for payment processing, includ-
ing credit, debit, EBT, check conversion and guarantee, gift
& loyalty cards, and much more. As an MSP/ISO since 1992,
North American Bancard is dedicated to offering the highest
service levels, exceptionally competitive pricing, and the latest
technology to its client companies, including Pay Anywhere,
its proprietary point-of-sale (POS) solution. With over $34 bil-
lion worth of payments processed for more than 250,000 busi-
nesses every year, North American Bancard is determined to
help American business prosper.
What’s New:
Eliminating EMV pain for restaurants

I t's true, the world of retail is now making strides in the U.S. EMV (Europay, MasterCard, Visa) migration.

Traditional over-the-counter purchasing on EMV-capable point-of-sale (POS) systems has finally surpassed the tip-
ping point and the trend is getting the U.S. closer to its overall conversion milestone.

However, despite these positive statistics, the EMV migration process has not gone as smoothly for other card-present
POS industries; especially those who use a customary tipping system in their business model. Service companies such as
restaurants, salons, and direct hospitality providers have all been slower to adopt mandated EMV systems, simply because
chip-reader systems initially introduced into the marketplace were not equipped to accept post-transaction gratuities.

In the restaurant industry in particular, early-bird EMV adopters were forced to also adopt a new business practice as a
work around. Servers were suddenly required to return to each table after the meal transaction was completed to request
a patron to add in a gratuity. This practice was not only awkward; it added a layer of inefficiency into what had previously
been a seamlessly ubiquitous process for all parties involved.

As a result, EMV adoption in the restaurant industry has gone much slower. Furthermore, a much higher chargeback ratio
began to emerge within the restaurant and hospitality industries as a result. Customers began to dispute the conflicting
amounts on their credit card bills without recalling they had authorized the additional amount.

“The inability for EMV-compliant POS machines to accept tips during a chip-and-pin or chip-and-signature transaction
was an initial barrier for the payments industry,” said Jim Parkinson, North American Bancard Chief Information Officer.
“However, for enterprising payment technology providers like NAB, it presented an opportunity to differentiate.”
Another POS innovation

NAB, makers of the revolutionary PayAnywhere Storefront and Phone Swipe POS products that enabled merchants to
accept smartphone and tablet-based POS transactions from anywhere, at anytime, took immediate action to eliminate this
barrier for restaurant and other tip-reliant clients.

In an effort to alleviate the frustration for merchants and customers alike, NAB took steps to add a new feature, called “Tip
Adjust”, to select EMV-ready Ingenico and VeriFone POS terminals sold by NAB Sales Partners. Tip Adjust is currently
available on NAB-offered Ingenico’s iCT220 and VeriFone’s Vx520 and Vx680 terminals.
Tip Adjust allows a patron to add a tip to the receipt after the EMV transaction is completed and it creates a payment
experience similar to pre-EMV. The tip line is printed on the customer’s initial check, allowing them to enter the tip

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