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POS systems require full transaction restart after card decline

💸 moneyproduct problemSingle report ●●●●● severity 2/5

A shopper reports that POS systems force cashiers to re-enter entire transaction details when a payment card is declined, preventing the customer from simply swapping to a different card without restarting the process.

Who's affected: Shoppers and retail cashiers using standard POS terminals.

⚠️ Single report. This is one person's account. We mark it so until more voices confirm it.

What people do today

🔧 Fix this

Ideas a builder, maker or community group could start on:

  1. A software plugin for POS systems that enables a 'retry with different payment method' button upon decline.
  2. A standardized API protocol for payment terminals to hold transaction state while switching card readers or payment tokens.
  3. A mobile app integration that allows customers to pre-authorize multiple payment methods and switch instantly if one fails.
I want to build this

Real voices

“whenever one is declined and want to try the second card the whole payment input process done by the cashier needs to be repeated”

Source: Stack Exchange (money) · CC BY-SA 4.0, user-contributed content from Stack Exchange; summarized and modified

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