topic Re: Preauthorizing Credit Cards with Chip in Restaurant Operations

Preauthorizing Credit Cards with Chip

seanmsulli — Wed, 31 Jan 2024 22:16:38 GMT

Is Toast looking at adding the ability to preauthorize credit cards using the chip rather than the magnetic strip? Since it currently only uses the magnetic strip, I feel it puts us at a disadvantage if a customer initiates a chargeback on a preauthorized card that is closed out to the card on file. I was at a bar while on vacation that was using OnePos and they were able to preauthorize cards using the chip, so I know it's possible.

Re: Preauthorizing Credit Cards with Chip

Rob — Thu, 08 Feb 2024 17:31:39 GMT

Currently, this is the only way to pre-authorize. However, we might address this later in the year, but it's not certain yet.

Re: Preauthorizing Credit Cards with Chip

seanmsulli — Mon, 12 Feb 2024 20:47:41 GMT

Thank you for your reply. Please keep us in the loop as you hear more. It seems like it would be important for preventing chargebacks.

Re: Preauthorizing Credit Cards with Chip

seanmsulli — Wed, 18 Sep 2024 20:43:58 GMT

Happy to hear that we will be able to preauthorize card with the chip or tap within the next month. Do you know if starting with the tap will be able to pull over the customer name? Currently if you pay with a tap, the receipt just says "Visa Cardholder" or something similar.

Re: Preauthorizing Credit Cards with Chip

seanmsulli — Thu, 19 Sep 2024 21:48:36 GMT

This just rolled out to our restaurant today an the answer is no, it does not pull the customer's name if you tap. Is this something Toast is working on?

Re: Preauthorizing Credit Cards with Chip

rcmck — Thu, 19 Sep 2024 21:53:46 GMT

In the August product updates post they mentioned that it is due to 'card brand security protocols', and recommend using the chip read (dipping) over the contactless NFC (tapping)

https://community.toasttab.com/t5/product-updates/august-2024-product-updates-us/td-p/12310