PCI - VISA TADG

If your business accepts VISA credit and debit cards, you are contractually required to have an ADA accessible checkout just as the Federal Law of the ADA requires as well as PCI requirements. Attended, Self-Checkout, Unattended.

In short for PCI (PTS-POI): “A person must be able to PIN shield using their body”.  Note, unless a person using a wheelchair for example, – can get the POS device by using an ADA compliance stand/mount for the card reader terminal device (CRTD), -it is 100% impossible to PIN entry shield. 

A common (MYTH) is oh, disabled people can just use -Tap-to-Pay, that is the ultimate cheapskate answer trying or wanting to evade federal law ADA requirements for accessibility to the POS terminal. The fact is, Food Cards and anyone who wants cash back are required to use PIN. Some businesses only want PIN debit processing to save on the processing costs too. There are several other reasons, but please do not use the -tap-to-pay as an ADA out, it does not or will never replace the ADA requirements. 

VISA Transaction Device Guide (TADG) 3.2 Section 2.6 - Accessibility. Device vendors and acquirers are responsible for ensuring that all customer-facing devices adhere to any and all accessibility requirements for the countries in which they operate and for the countries in which the devices are installed. In the absence of sufficient requirements, it is recommended that vendors, merchants, and acquirers support accessibility to persons with physical disabilities.

7.38 PED Security – If the design of the device requires that parts of the device be physically separated (e.g., the PED is not integrated into the device) and any cardholder instructions or processing data pass between the separate parts, there must be equal levels of protection between the different parts that make up the device. (This includes PIN entry privacy from with or the terminal or separate PINpad. Meaning being able to per (PCI-PTS-POI, - PIN shield using the body requirement.) Think wheelchair user as an example.

2.8 Cardholder Verification Methods (CVMs) 20 Visa Public January 2020 Note: A device may need to support functionality that allows merchants to offer an alternative CVM to PIN for cardholders that may be unable or unwilling to enter a PIN at the POS due to security concerns or certain disabilities in accordance with merchant protection and local disability legislation. Note, 2.8 is a major thing with anyone, yet people with disabilities have been ignored on their PIN privacy to this day for decades. This stops now.

A common and serious problem is when a cashier has no choice but to run a card for a customer with disabilities and ask to divulge their PIN. This is more common that you may think.

If you are a business owner, you may want to ask your merchant account provider and /or equipment supplier why they left you vulnerable to ADA discrimination and accessibility litigation. It is a fair question.
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Your brand needs a comprehensive understanding regarding the point-of-sale accessibility understanding, you are in the right place. Whether C-Suite, Operations, IT, or Compliance officer, we can provide you solid validation and ADA compliance at checkout information you need. We also provide certification and train managers and employees etiquette education on addressing those with disabilities at your checkouts’. If you need expert services, that too, is available. There is a lot more to compliance than meets the eye. If anyone ever tells or sells you “helpful with ADA compliance for checkout” and it is not our ADA compliance dismount stand/mounting, you are being led down a bad road.  Compliance and helpful are two very different things.
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Volume purchase pricing and customization needs. We understand there are scenarios where existing screw matching may need to be done, or a particular setup for your multi-lane setup or sales, return or department mounting setups. 

Whether you are Federal, Military, State, County, City Big Box or Regional, ADA Title III and/or II, ABA/508 (ICT), we have you covered when it comes to ADA card reader terminal stands and mounting for accessibility for countertop, self-checkout, kiosks, unattended and all other SSTMs. 

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If you have encountered an inaccessible point-of-sale card reader terminal at any checkout, you can file a complaint with the ADA/DOJ. They will follow up.

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