Before credit cards were handled electronically the server used to have to use one of these to make a carbon paper imprint of your card: https://en.wikipedia.org/wiki/Credit_card_imprinter

While they a weren’t _huge_ they weren’t very easy to bring to the table and use, so I imagine we just got used to the experience of the server running off with our card. In wasn’t until the pandemic that I noticed most restaurants using handheld terminals.

1. We adopted chip cards quite late, so a lot of legacy hardware still exists - including payment terminals built into restaurant point of sale machines with a magnetic strip reader, instead of a separate card terminal.

2. Wireless card terminals are not common in the US, outside of things like Square or Toast readers. Readers are usually hardwired to the POS and aren't able to be "undocked" and carried around.

3. Outside of contactless, signatures are still usually required, and people are still used to having the receipt printer at the host stand alongside the terminal, instead of built into the card reader.

This is all slowly changing, and I honestly chock a lot of it up to stuff like smartphone payments (remember, we got Apple Pay before having contactless embedded in the majority of cards!) and smartphone-based POS systems like Square.

Credit cards have no PIN in the US (and debit cards can usually be used without one as well), which makes this approach possible in the first place, and the tipping culture that can make it desirable to get a quiet moment with the check to figure out amounts.

Practically, it also means that even larger restaurants usually only need very few POS terminals at a central location, rather than one per waiter, requiring wireless infrastructure in larger restaurants etc.

This is changing very fast, though – I‘m seeing both combined order and payment handheld devices (that support tap-to-pay, i.e. also Apple Pay) as well as the QR payment solution in more and more places.

Just want to correct this idea which has been repeated several times on this topic: You only need 3 or 4 for a larger restaurant. The entire restaurant does not pay simultaneously.

When you (the server) are done with them you just put them back in a charging dock or some other communal space.

It makes a lot of sense, in my view: Handling orders tickets digitally is probably incredibl useful for the kitchen (especially considering a mix of dine-in and takeout orders).

From there, it‘s only a small (ok, not really small because PCI-DSS, but at least possible) step to also having these things do payments.

[0]: The European Banking Authority (EBA) calls on traders to make use of the exemption for strong customer authentication up to 50 € as allowed under Commission Delegated Regulation (EU) 2018/389.

For this reason alone, you do need a PIN pad at every terminal.

The money on the line with handing your card to the server is not comically small. They can max out your credit card with whatever charges they want. They don't even need to go through their POS system, as they can charge your card with any online retailer.

It’s a common comment from Americans, but is misleading at the very least.

I have never even heard of a fraudulent transaction that was not reversed almost immediately, and I have been living in 3 EU countries (well, one of them ex-EU now). The procedure is: call the bank, notify them, they suspend the card and send you a new one (usually for free once a year or so, for about €20 after that). Usually they call you before you notice it; they are very good at spotting this.

It’s the same thing for card-present fraud: you have some time to declare your card lost or stolen, and all the transactions after the time you lost it are reversed. Your liability is €50 for the transactions that happened before you called them, and nothing afterwards.

I am willing to believe that consumer protection is better in the US for some specific aspects, but I am yet to see relevant examples.

My first experience was with a bog standard Visa debit card at a French bank 10 years ago (card not present; someone apparently used my card at an ATM in Singapore to withdraw €1200 total; the bank notified me and refunded the first €500 withdrawal that went through).

My second experience was at a British bank just before Brexit (standard Visa debit card as well). I had lost my card without realising it. I called my bank when I found out and they went through the recent history to check every transaction. It turned out someone bought something with the card (can’t remember whether it was online or contactless; a small sum regardless) and that was refunded.

The regulations are very consumer friendly, even for debit cards, which everybody uses. And while they do indeed change with time, so far it has been in the direction of better consumers protections.

I don’t claim that Europe is better or anything like that, just that “the consumer is liable for frauds with their card” is wrong. IIRC, their liability is €50 maximum (and €0 in some countries) for transactions that happened before the bank was notified, and €0 after. Beyond that, the onus is on the bank to demonstrate negligence or fraud on the consumer’s part. In that case of course the consumers is liable and gets a fine at the very least.

To be clear, I neither said that not intended to imply that, so I find it a little questionable that you placed it in quotes. I think the protections are more or less fine, but seem to vary more and aren't as clear-cut for zero liability as I've found in the US, but I'm sure this varies a lot by country anyway. In any case, I've lived in multiple European countries for years now, so my experience is not solely from the US.

I’ve seen here waiters asking for the pin, writing it down on a piece of paper, and taking the card back to the POS terminal.

We've had this in America for over a decade at big chain suburban restaurants like Ruby Tuesday's and Applebees.

Ah, you edited your response. Mine still is valid I guess.

Must have been the Applebees that you went to. I went to one in 2014 that brought the POS to the table. I remember the year because it was in a state that I've only been to once, for a business trip.

I don’t have a computer screen in my car for the same reason. Software engineers tend to produce shit tier user experiences. (Speaking as one)

The machine just asks for a tip and lets you put a % or $ amount in, usually with a suggested amount. I'm not sure what difference you perceive here between writing it on a piece of paper and entering it on a terminal.

Then the waiter returns with the machine, enters the total (including tip) - you touch your card to the machine (and if the amount is high enough enter a pin.)

The waiter does not handle the card.

There is no awkwardness at all.

I recently joined a newly-arrived US friend at a restaurant, and he paid, but clearly didn't understand the edit-the-bill process, so we tipped in cash then gave quick education.

It's a system that works well, is effecient and secure. Overall you stay in control of your card and your card is only processed once.

I've seen systems where you input the final sum you want to pay, and systems where you can input the tip separately.

The experience I dislike goes like this: The server gives you the hand-held terminal and then stands watching you, tapping his/her foot impatiently, while you hurriedly verify the check, then calculate a tip amount under the server's scrutiny. I guess I'm a wimp. With the server's eyes on me, I feel the pressure to tip generously, no matter how poor the service or the overall experience.

By contrast, I find the traditional system, where the server would drop off the paper check for you to examine on your own time, to be private, un-rushed, and less prone to error.

After three decades of paying my restaurant checks without a POS terminal, I've never encountered any monkey business during the brief time the server is in possession of my credit card. Is "restaurant credit-card fraud" really a thing?

> Is "restaurant credit-card fraud" really a thing?

The only times I've ever had my card used fraudulently in my life were after trips to the US where I used it in a restaurant. It is absolutely a thing. Do you really think no one's ever thought to skim a card they're holding on to for an indefinite amount of time away from its owner?

And than in 10 minutes waiter arrive with hand held POS.

No idea if there is non-negligible fraud in the form of staff copying down the card number and security code for online payments fraud, though.