2018 Payment Technology Showcase

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TECH SHOWCASE: Latest Payment Solutions PLUS! Exclusive Insights from Tech & Industry Experts
What's Inside:

INTRO: Research Reveals Guests Want Payment Innovation

EXECUTIVE ROUNDTABLE: Thought Leaders Offer Insight into Payment Mobility & Security

PRODUCT SHOWCASE | Agilysys Pay-at-the-Table Solutions: Pay-at-Table Now Available in the U.S.

PRODUCT SHOWCASE | Merchant Link EMV Solution: Building Solutions for Independent and Enterprise Merchants

PRODUCT SHOWCASE | Retail Data Systems PayMyTab Pay-at-Table Solution: PayMyTab Tackles Breaches & Chargebacks

According to Hospitality Technology's research, payment is top of mind for both restaurant and hotel operators. Almost half of hotels (45%) plan to upgrade or change point-of-sale suppliers in the coming year. Restaurant operators are hyper focused on adding mobile POS, addressing security and enhancing new payment options according to HT’s 2017 POS Software Trends Report. The 2018 Restaurant Technology Study also reveals that restaurant brands are looking to put innovation investments into mobile payments and enhancing payment security. 

Where the hospitality industry is lagging is keeping up with guest expectations when it comes to payment technologies. HT's 2018 Customer Engagement Technology Study reveals that consumers are ready for payment innovation. Half of diners cite mobile payment as a top capability they want from restaurants. This trend is mirrored in hotels, as 51% of guests say they want mobile payment. 

Perhaps more compelling is the fact that guests are often driven to choose a brand over another if mobile payment capabilities are offered. Consider the following:

  • 48% of potential diners will select a restaurant for takeout if mobile payment is an option.
  • 41% of potential diners will select a restaurant to dine-in if mobile payment is available.
  • While 51% of hotel guests want mobile payment, only 23% of hotels currently offer the technology.




Thought Leaders Offer Insight into Payment Mobility & Security

From mobility to security, the next generation of payments give operators much to consider. Consider that half of diners (50%) say they want a restaurant to offer mobile payment. Restaurants are listening as more than half (52%) plan to add mobile payments in 2018 and 60% of those that identify as digital leaders name mobile payments a top tech initiative. In this executive roundtable we queried restaurant and technology experts about the key trends impacting the payments space and what restaurants and suppliers need to do to work better together.

Walt Davis, General Manager, Retail Data Systems

As mobile payment becomes more ubiquitous and used by consumers, what must restaurants consider prior to offering the solution? 

WALT DAVIS: Restaurateurs considering mobile payments should first take stock of their clientele and their acceptance to new technology. While many are accustomed to new methods of payment others are not quite so forward thinking. Casual dining restaurants tend to have a younger base of customers more accepting to new types of payments. They prefer reduced times in the restaurant and less interaction with staff. Fine dining clients might serve an older crowd where they don’t like change as much and prefer to do things the old fashion way. Lastly, the operator should invest in an RF survey for their location to determine what level of infrastructure may be needed to support the mobile payment technology.

Barry Shufeld, Interim CIO, The Briar Group

BARRY SHUFELD: Become partners with well-established vendors to process transactions, ie PayPal, Venmo or Apple Pay so that users can process transactions without having to set up new accounts somewhere else that is attached to their financial data. This method also allows others to split tabs digitally.


What do you think has had the biggest impact on the payments space (could be technology, legislation or trend) in the last year?

SHUFELD: Technology and trends go hand-in-hand. If a card chip was the biggest advance in the last 10 years, the mobile payment feature hurdled that and then some in a much smaller period of time.

DAVIS: The single largest impact on payments has been the internet. The internet increased the speed of processing large transaction volumes at reduced rates, it also opened the back door for cyber-attacks and credit card fraud. Increased credit card fraud created a concern by both merchants and consumers that needed to be addressed. While a merchant could be PCI compliant, a breach could still occur. The industry needed a simpler way. EMV was that answer, chip embedded cards encrypt the transaction from the moment it is registered through to the bank. 

How must restaurants adapt or what must they take into consideration?

DAVIS: Restaurants must decide whether to invest in EMV readers and secure measures to provide customers with a secure payment process experience. Mobile payment gives the best secure payment experience since the card never leaves the consumers view.


What should restaurants ask of any payments or POS partner to ensure they are compliant and future-ready?

DAVIS: Restaurants should make sure the provider they select is QIR certified to install payment devices and networks in their restaurants. The system selected should provide some backup redundant method of processing should the internet fail. In fact, more and more businesses should consider adding a failover 4g service to maintain a persistent connection to the internet. The provider should be processor agnostic. In other words they shouldn’t buy solutions that require the user to only process with their processor.  As new processing equipment is available in the market, it is important it be certified using various processors otherwise the merchant may overpay for processing fees. 

SHUFELD: Be cloud ready as to not have to house on premise equipment and take on all the risk. 


What do you think many restaurant operators still misunderstand about changes in payments or are not taking appropriate action to address?

DAVIS: Most merchants believe PCI and EMV are laws and regulations established by the government. The reality is that PCI and EMV are policies and guidelines established by the Payment Card Industry, which are exclusively owned by the banks here in the U.S. The sole purpose of these policies and guidelines are to reduce credit card fraud that primarily affects these banks’ profitability.

How would you recommend they resolve this?

DAVIS: The Payment Card industry will continue to force the adoption toward EMV and chip cards until there is 100% adoption. Merchants should consider what makes sense for their business and their customers.  


How can payment processors be better partners with technology providers and business owners?
SHUFELD: Decrease processing fees and partner with vendors that have positive feedback in the space currently, i.e., link with PayPal or Apple Pay so that users can process transactions without having to set up new accounts somewhere else that is attached to their financial data.


Agilysys Pay-at-Table Solutions

Pay-at-Table Now Available in the U.S. 

Pay-at-table technologies bring considerable advantages to restaurants, from streamlining the payment process while reducing guest wait times to increasing productivity of service staff. As a result, servers can spend more time with guests and provide personalized service to help increase revenue opportunities. 

Top Innovative Features

1. Secure, Pay-at-Table options for guests, including NFC, Apple Pay, Google Pay, etc.
2. Increases guest interaction and satisfaction
3. Reduces exposure to skimming and tip alteration fraud
4. Enables quicker table turns to boost productivity and revenue
5. P2PE payment processing security
6. Links payments to purchases for a single view of the guest’s activity

Agilysys extends its InfoGenesis® POS payment integration to the table with the launch of rGuest® Pay’s Pay-at-Table technology. A comprehensive approach supports both traditional payment devices as well as the consumer’s mobile phone to access the check information and facilitate payment processing. Traditional payment devices are mobile-enabled with either WiFi or Bluetooth, both which significantly reduce the steps required to process guest card payments.

Guests maintain control of their payment cards for the most advanced security. Intuitive prompts guide the guest through tip and payment processing, and even allows split checks among other diners at the table.  

Pay-at-Table alternatives that provide secure access to validated P2PE and EMV payment gateways. 

Switching to Agilysys rGuest® Pay, featuring EMV with pay-at-table, allows restaurant guests to use their preferred electronic payment method. This includes the added security of EMV along with the flexibility of Apple Pay®, Android Pay® and other mobile wallets. 

Agilysys offers Pay-at-Table alternatives that provide secure access to validated P2PE and EMV payment gateways.

Protect the guest’s privacy and reduce the risk of data loss by completing the payment transaction right at the table. This novel payment processing technology, now available in the U.S., integrates with several rGuest Pay gateways to ensure all payment data is secure and consolidated for reconciliation and reporting. 

Sponsored by




Merchant Link EMV Solution

Building Solutions for Independent and Enterprise Merchants

Merchants building their security strategy should include both EMV Chip & PIN and PCI Standards. A global approach increases security and reduces fraud. As the payment process becomes more complex and PCI rules change, EMV and a constantly expanding set of alternative payment offerings make it challenging for a merchant to stay current. TransactionLink™ by Merchant Link is designed to address that challenge. Through either a hardware appliance or software co-resident with the POS, TransactionLink™ removes any card data from touching the merchant’s POS or back office systems.

Top 5 Innovative Features

1. Keeps all card data from POS
2. Reduces merchant PCI scope
3. Reduces EMV complexity
4. 24x7 – “One Call Solves All” Support
5. Full payment integration: Scrolling receipt, 2-way customer interaction, PIN debit

Existing customers include:
• Restaurants
• Retail
• Hotels


The TransactionLink™ solution extends the flexibility Merchant Link is known for by facilitating EMV and new payment types. The solution simplifies the acceptance of new forms of electronic payment without costly changes to the integrated point-of-sale system (IPOS).

It interacts with new EMV and customer-facing devices to prompt the consumer, request funds, manage error conditions, and deliver completed transactions back to the IPOS. Along with the authorization, Merchant Link informs the IPOS of how the transaction was tendered.

The TransactionLink™ solution extends the flexibility Merchant Link is known for by facilitating EMV and new payment types.

TransactionLink™ saves time and money on PA-DSS assessments by eliminating the need for IPOS systems to handle credit card data at all. With TransactionLink™, no credit card data is ever passed to the POS, either encrypted or in the clear. It provides a simple API to maximize the use of customer-facing devices, turning them into customer points of interaction.

This solution utilizes a small site-based hardware appliance to manage the process of driving the points of interaction and formatting a message to be delivered to the Merchant Link Gateway. The appliance manages the total customer payment interaction while still allowing the merchant to control the user experience. Through TransactionLink™, the move to EMV can be as easy as the flip of a switch.

Sponsored by

EMAIL: [email protected]


The TransactionLink solution extends the flexibility Merchant Link is known for by facilitating EMV and new payment types. 


Retail Data Systems PayMyTab Pay-at-Table Solution

PayMyTab Tackles Breaches & Chargebacks

Today’s hospitality industry is under attack from data breaches and chargebacks. The problem is real and is very costly to those who are not EMV compliant, a technical name for dipping your credit card. This issue is being tackled head-on by PayMyTab.

PayMyTab is disrupting the restaurant industry. Its platform, used by hundreds of restaurants, seamlessly and effectively enhances the guest experience and provides an unprecedented level of customer insight for owners. Operators that have adopted PayMyTab can see a 30% increase in server tips and a 7-minute reduction in table-turn times.

Top 5 Innovative Features

1. PCI / EMV compliant
2. Pay-at-the-table
3. Integrated with major POS
4. Increased Table Turns
5. Improved Guest Service

Existing customers for this technology include:
• Buckhead Diner
• The Restaurant People
• Good Spirits

Tim Petrillo, co-founder of The Restaurant People, uses PayMyTab at his Boatyard, YOLO and S3 restaurants. Petrillo says that PayMyTab “came along and quickly solved a significant issue for the restaurant business,” adding that his company has gotten stuck with the tab for a customer’s bill more than he’d like to admit.

The PayMyTab encrypted and EMV certified pay-at-table solution eliminates chargebacks and improves security. The platform ensures that credit cards never leave a customer’s line-of-sight and supports mobile payments including Apple Pay and Google Pay. Transactions are fast, seamless and secure. With over 60% of customers leaving coveted reviews and feedback, operators get unparalleled insight into each transaction, server and experience.

The platform ensures that credit cards never leave a customer’s line-of-sight and supports mobile payments including Apple Pay and Google Pay.

PayMyTab prides itself on an unprecedented level of service for its clients, offering analytic insights, monthly reports, and on-site training. Tom Holmes, founder & CEO of PayMyTab, states, “The key to any great software solution is the human service that accompanies it.”

It is no wonder that PayMyTab’s platform, now in production at the Quarterdeck restaurants, was described by their owner Frank Zaffere as “simply brilliant.”

The knowledgeable professionals at Retail Data Systems can easily integrate the PayMyTab software into your current POS system. All this is backed by the powerful support of our Help Desk 7/24/365.

PayMyTab from Retail Data Systems (RDS) is disrupting the restaurant industry.

ABOUT RDS: Retail Data Systems is a provider of point-of-sale hardware and software in North America. Founded in 1950, RDS now operates over 30 offices serving customers with complete point-of-sale technology. The team of over 500 professionals provides customers the best 24/7/365 service available. RDS' list of industry-leading POS hardware and software products offer a variety of solutions for companies large and small.

Sponsored by

MARIETTA, GA 30067, [email protected],