In June 2018, the California Legislature passed the California Consumer Privacy Act (“CCPA”). This new privacy law has wide ranging implications for a number of businesses and industries that operate in California. Although the regulations under which the California Attorney General (“AG”) will enforce the CCPA are not yet finalized, the law as written by the California Legislature went into effect on January 1, 2020. We’ve studied the law and consulted with our attorney to put together the following information that merchants may find helpful.

Workflows in the food and beverage hospitality industry haven’t changed much in the last few decades.

Identifying the Challenge

As the issuance of EMV chip cards became prevalent in the United States, Baja Fresh Mexican Grill franchisee owner Vijay M., was concerned about the increase in EMV related chargebacks which was starting to threaten his bottom line. Since Vijay did not have an EMV chip card solution in place, the new rules around accepting chip cards meant he would continue to lose all EMV related chargebacks without a chance to appeal. Vijay worried about accepting card payments for large takeout orders and parties for fear of EMV related chargebacks.

“I don’t have any chargebacks right now, why should I spend the money to add EMV processing?”

Anyone selling an EMV solution has undoubtedly heard a similar sentiment from merchants. While EMV chargebacks are certainly happening to merchants in every industry, businesses with average transactions of around $25.00 are benefiting from a protection that Visa^® put in place in July 2016 with American Express^® following suit in August 2016. However these same protections are set to expire in April 2018 and there will no longer be a safety net in place for these merchants.

Faster table turns equals increased revenues.

A restaurant’s ability to turn tables efficiently has a huge positive impact on their top and bottom line performance. A traditional checkout workflow involves delivering the itemized check, tendering payment and closing out the check with gratuity. This antiquated workflow can easily add 10 minutes or more to each table turn that could otherwise be avoided with the Paygistix Pay at the Table solution. For a restaurant serving 30 tables in a day, that’s a potential efficiency gain of 5+ hours. With a $30 ticket average per table, that is an additional $900/day in revenue. Pay at the Table allows you to reduce labor expense or serve more tables in less time.