Is a fair point depending on the country, am pretty sure in UK chip and pin must be used for direct face to face sales.
Manual ‘type card number in’ transactions are obviously accepted for mail order/telephone orders however consumers are protected by long distance selling regulations which you are not for over the counter sales.
I think you would have very little defense on a charge back dispute if using swipe/manual method for retail/over couter sales.
Chip and pin was implemented as I understand for this purpose as online/mail order sales can better utilise address validation as whats the use in ordering products with a stolen card to have it delivered to the card owners address.
Which is why most sites require billing and shipping address to be the same for the first order. As an additional form of authentication.
There are hevily reduced regulations for returns etc for over the counter sales in retail and most places offering a 30 day return policy do so at their own choice for customer assurance rather than on requirement.
Have a potential lead on a company who provide intergrateable card terminals similar to those used at Tesco in uk.
These at the type where the pos tells the card machine the amount and responce is if accepted or not.
Am waiting on their info/documentation but will let you know more when received.
They are HQ in newzeland with offices in oz, U.K. and US with plans to move into Europe.
Hopefully this could be a good option for intergrated card processing.
I had a pos system in the past and there was a program that from what i understand would essentially run the cradit card info in the background.
it was called NETEPAY and is made by Datacap sysrems. Maybe this is something that could work. But if i recall corrctly the software was a couple hundred dollars
I dont think it is by terminal. We only had it on the main backoffice computer and it all ran thru there. But yes it is expensive (just googled it and is like around 600)