posted at 21:50
Author: Jenni Ryall
Buying Drinks Through Your Phone Will Save PIN-only Australia
If customers do the old drunk stumble out, and accidentally leave their trusty card behind the bar in a hazy escape - something that happens approximately three times a night - the venue can no longer charge their card for the unpaid amount. Justin Joiner from Local Tap House in St Kilda, Melbourne, said the change to PIN could make the relationship between customer and staff awkward, not to mention the general dining experience. "In light of the new changes, we've had to implement a pre-authorisation policy if a customer wishes to open a bar tab with us directly," Daniel Nissan from the Youth Hotel said. Although some small businesses may view the transition from signature to PIN as difficult, it will help customers avoid card fraud, according to Andrew Cheesman, managing director merchant solutions at the Commonwealth Bank of Australia. "Most venues have two or three cards left behind the bar​ ​each night​, ​but larger​ ​establishments could have ​upwards of 10, 20 or 30 cards left behind. If those customers don't come back​, venues have no​ ​recourse ​for recovering that revenue." Some Australian banks recently rolled out technology that enables customers to get cash without their card - or if they forget their PIN. Since May, customers have been able to log on to the Commonwealth Bank of Australia's app, and access $200 without a card at any of its 3,000 ATMs, by using two codes provided on their phone. Westpac Bank followed suit in June, releasing an emergency cash system, which allows customers to call the bank for an access pin to withdraw cash with a code that lasts for three hours.

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