consumer Archives - Page 3 of 3 - Payment Processing News
October 21st, 2013 by Elma Jane

Retailers today collect email at every point of interaction. Collecting customer information in the store at the point of sale (POS) offers the greatest potential to build retailer’s email list quickly and to drive timely offers and communications that increase customer loyalty and retention.

The practice of collecting email addresses at the point of sale (POS) isn’t a new one. However, more companies are embracing the trend, and they’re doing so with increasing regularity.

 E-Receipts

One popular technique among retailers is to ask shoppers if they would like a receipt emailed to them. It is important to note that an agreement to receive an e-receipt should not be necessarily interpreted as consent to be added to a commercial email list unless this intent is adequately communicated to the consumer and they consent. It always best practice to reference their consent to marketing emails at the same time as the e-receipt request.

It is possible to collect (PII) Personally Identifiable Information at the counter in a

careful and conscientious manner if you follow guidelines.

1. Be transparent about the commercial intent. A consumer who feels misled is more likely to complain and to seek redress under the consumer protection laws. If following different scripts is a challenge,  apply the same disclosure/request script for both credit and cash transactions.

2. Consider using the credit card terminal or other touchpad device for customers to enter their email rather than using the sales associate. The device should first prompt the customer to consent to receiving an in-store e-receipt and/or marketing communications, ideally before proceeding with the transaction, it could be after as well.

3. Decouple PII collection from the credit card purchase. Ask customers for their email addresses before taking their credit cards or after they sign off on the purchase so it is clear that email is not required as part of the transaction.

4. Fulfill any incentives offered at the counter through email. Provide each consumer with a dynamic and unique link. A consumer will have less of a reason to give you a valid email address if you offer and fulfill the incentive at POS. Limiting the use of the incentive to email will help you avoid incentive abuse.

5. Send a welcome permission pass. Don’t assume that the customer wants anything more than an in-store e-receipt even if you can legally claim to have this right. Let the customer make an informed decision at the counter or in a subsequent email.

6. Validate submitted data. Ask customers to verify the accuracy of their PII before submitting. Use appropriate list management tools to prevent avoidable domain errors.

Clients that take the proper steps to overcome POS challenges and risks will reap the rewards of subscriber loyalty, a stronger reputation and better inbox performance in the long run.

Posted in Best Practices for Merchants, Credit card Processing, Electronic Payments, Gift & Loyalty Card Processing, Point of Sale Tagged with: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,