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This used to be common with tips at restaurants. The would take your card to the back and swipe it, then come back with the receipt. The receipt had a box for a

This used to be common with tips at restaurants. The would take your card to the back and swipe it, then come back with the receipt. The receipt had a box for a tip. When you left they would then charge the card for the total including the tip. With chip cards restaurants now tend to bring the card machine to the table. This way you can enter the tip on the machine and complete the payment without the card leaving your hand. I don't know if this is because the machine is there anyways or because chip payments need to know the amount when the transaction is authorized.

jaywalk 6y ago
The machine is just a fancy new toy, although it does have the added benefit of your card not leaving your control. It's still possible to put the tip in after your chip card has been read.
lxgr 6y ago
This is a different thing: The tip is usually reconciled only during payment capture time (which is a batch process and distinct from the authorization stage). In some countries, the switch from signature to PIN has coincided with the introduction of chip cards, and given that the terminal needs to be brought to the customer anyway for those (or vice versa), it's just simpler for everyone involved to include the tip amount right there.
chrisdhal 6y ago
I have yet to be in a restaurant in the US where they bring the reader to the table. I wish they would, but I've never seen it (Minnesota, US, other places in the Midwest).
- stjohnswarts 6y ago
  The ones here will do it if you want to pay via phone *Pay. Obviously not every restaurant has updated to that though, especially mom and pop joints. I usually leave the tip in cash anyway. Covid has put an end to my restaurant visits for a while though except the occasional outdoor place.
stjohnswarts 6y ago
What? Every restaurant I go to still takes the chip card and uses it. If you want to pay via phone *Pay they'll bring out a wireless POS to finish the transaction, if they support phone pay at all.

jaywalk 6y ago

The machine is just a fancy new toy, although it does have the added benefit of your card not leaving your control. It's still possible to put the tip in after your chip card has been read.

lxgr 6y ago

This is a different thing: The tip is usually reconciled only during payment capture time (which is a batch process and distinct from the authorization stage). In some countries, the switch from signature to PIN has coincided with the introduction of chip cards, and given that the terminal needs to be brought to the customer anyway for those (or vice versa), it's just simpler for everyone involved to include the tip amount right there.

chrisdhal 6y ago

I have yet to be in a restaurant in the US where they bring the reader to the table. I wish they would, but I've never seen it (Minnesota, US, other places in the Midwest).

stjohnswarts 6y ago
The ones here will do it if you want to pay via phone *Pay. Obviously not every restaurant has updated to that though, especially mom and pop joints. I usually leave the tip in cash anyway. Covid has put an end to my restaurant visits for a while though except the occasional outdoor place.

stjohnswarts 6y ago

What? Every restaurant I go to still takes the chip card and uses it. If you want to pay via phone *Pay they'll bring out a wireless POS to finish the transaction, if they support phone pay at all.