(I work at a Hotel as a Front Desk Clerk. Chip readers have been a thing here in the US for almost 2 years now since most card companies have made it mandatory to use one if it’s installed at the shops and other businesses that have them. My hotel has had one installed over a year now and this exchange happens twice or more a day even though it’s been regular practice for everyday business for not just my hotel, but grocery stores and the like.)
Me: You’re here for [Days requested] for [Specified room type], is that correct?
Guest: Yeah, sure.
Me: Alright, your total is [total] if I could-
(Guest attempts to hand me their credit card, which requires them to literally reach over the card reader itself that sits on the counter directly in front of me)
Me: I’m sorry, if you could just follow the prompts on this screen here (gestures towards the card read), it will be asking you to confirm the total at the top of the screen.
(After guests hit yes, the screen then asks for them to swipe or insert the card if it has a chip, but the guests always seem to stop paying attention after they have hit yes. Some even space out and don’t say anything, look around or stare at me instead of watching the screen, if that happens I politely inform them that the machine is on a timer and that they need to continue following the prompts til the screen clears. Others tend to say some form of the following.)
Guest: Oh, do I have to swipe my card?
Me: Yes, you will have to either swipe or insert your card. Once it’s done, it will then either ask you for your signature or you pin number depending on you bank.
Guest: Oh, ok.
(Swipes card and puts it back into their wallet without looking at the screen which is trying to tell them that they must insert the chip instead. Looks at the screen once their wallet is put away)
Guest: Huh? Your machine is broken, it’s still asking me to pay, I just swiped my card!
Me: Oh I’m sorry, do you have a chip on your card?
Guest: Yes.
Me: Most banks force you to use the chip on the card instead of swiping. It’s suppose to be more secure and protect you from fraudulent charges.
Guest: Just tell it to charge my card, I already swiped it. I shouldn’t have to do i again.
Me: I’m sorry but nothing updates on my end of the system while the card reader is active. It doesn’t store you information, it only read that there was a chip on your card and then canceled the scan. You will have to insert your chip, or use another card if you’d like.
(Huffs and acts like it’s a big deal to have to get their wallet back out, remove their card and jerk their card into the slot)
Guest: I don’t see why we have to use these things, it takes a lot longer then before chips came out.
Me: I’m sorry, it’s out of my hands. But it really is a way to protect your accounts from fraud. It’s better for us to have to wait an extra few seconds and verify that it’s you, then to assume and blindly charge your account and risk it being someone else using it.
Guest: But I’m ME, I showed you my ID for the reservation. Obviously I have the card and not someone else, so it should just work and be done with it.
Me: Yes, but the hotel company, and the check-in system doesn’t know it’s you. If I failed to check it was you, this would be the only fail-safe thing preventing someone from using your money. The chips being added to cards has actually drop fraud rates by nearly 60%.
Guest: It’s just so much more trouble, I don’t understand why I can’t just swipe it instead of inserting my chip if it still has the bar on the back of the card!
Me: Well, not all places have chip readers. Small businesses might have a card reader, but no chip option. The readers can be expensive to replace, especially if they just bought one before chips became a regular thing. The card companies know this, but still want you to be able to use your card because it would be bad for their business if you couldn’t use it everywhere so instead of removing the black bar in the back, they keep it there so you can still use your money.
Guest: It’s just so much trouble, I wish it would just go back to how it was before!