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Three ways to speed up NFC transactions
- Remove the merchant unlock PIN for payments, and set “Enter amount” as the default screen on point-of-sale devices. This way, the terminal is always transaction-ready. The terminal is equally secure; the merchant can’t lose money.
- Say “goodbye” to USSD and “hello” to PIN on POS. Point of sale transactions that still involve USSD are slower and less reliable. Switch to a system in which customers tap to pay, then enter their PIN on the point-of-sale terminal. This speeds up the transaction, reduces errors, and means customers can still use NFC to pay when their phone battery is flat.
- Enable PIN-less transactions for small amounts. Requiring a customer PIN offers peace of mind. However, for low-value transactions, this step may be unnecessary. Consider enabling PIN-less transactions for low-value amounts. Both merchants and customers will benefit from the convenience. Customers can control what their maximum PIN-less amount is, or disable the feature completely.
