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Spotlight Innovators

amount, and add it to the total bill before the EMV transaction is finalized. By separating the tip from the other items
purchased, the chances of a chargeback are reduced, and there is no dispute regarding the intent of the additional charge.

Furthermore, the “Tip Adjust” feature eliminates the need for servers to approach a patron after the transaction and
it puts the tip decision back into the hands of the customer. This subtle, yet important technology innovation reduces
POS chargebacks, stops unnecessary disputes, saves time for the merchant and their customer, and helps the payments
industry move closer to achieving full EMV adoption.

“We listened to our restaurant and service merchants regarding the increasing number of EMV chargebacks since the
liability shift and we made adding tip adjust to our stable of features a priority, as it benefits both our merchants and their
customers,” said Terri Harwood, NAB Chief Operating Officer. “Tip adjust creates a receipt with a separate tip line for the
customer to fill in, just as in the past with magnetic stripe cards. It’s a small thing, but the benefits are huge, and it puts
an end to unnecessary disputes that can have a detrimental effect to the merchant’s bottom line.”
EMV solutions for all industries

This is just one more example of NAB’s commitment to developing next generation answers and technology solutions for
merchants in the marketplace and our Sales Partners that serve them.

If you’re looking for a payment processing provider to represent that offers every vertical industry a competitive and
efficient EMV solution, you’ll want to give NAB a closer look. For more information on our entire suite of products and
services, and to learn more about our Sales Partner compensation plan, visit us at www.gonab.com or contact us directly at
1-877-786-1653.

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