ADA PCI VISA REQ's.
How not to mount POS.
ADA + PCI Dismount Stand.
Blue-Handle Overlay Included.
Security Tether (PCI) Included.
PCI Sidekick Stand.
ADA PCI Combined Requirements.
It’s your checkout. Make it count. The ADA TITLE III, PCI (PTS-POI), VISA accessibility requirements and an extra set of accessibility requirements for California businesses are in action. It also includes State, City, County levels.
There is a lot more to correctly and accessibly mounting a POS card and PIN debit reader terminal than you probably ever thought of. It goes way beyond the construction requirement of ADA reach/range.
A minimum of one ADA assitively-accessible checkout is federally required in a place of business whether public, government or military.
We are the only POS stands and mounting company in the world that has engineered a by-the-book regulatory and requirements set of POS stands and mounts.
Cashiers and store managers will tell you the checkout accessibility needs they experience daily. We know. We talk to them daily. The POS card and PIN reader non-accessibility at store checkouts is very real.
Our patented dismount covers very specifically, – ADA.Gov, VISA acceptance, ISO-9564/PCI privacy/PIN entry privacy, and CAL-FIN 13082.
Recently Paysafe wrote about ADA and PCI compliance pointing to us here at Taylor POS in that publishing. You can read it here.
The requirements are listed below. Not fully, -but far more than enough to understand the regulatory and compliance requirements.
MADE IN THE USA.
Accepting VISA Card. (TADG 3.2)
VISA TADG V3.2 s2.6. Globally – compliance requirements.
Anyone in the payments industry and in brick and mortar needs to pay attention to this closely.
Device vendors and acquirers are responsible for ensuring that all customer-facing devices adhere to any (ADA) accessibility requirements for the countries in which they operate and for the countries in which the devices are installed. Vendors, merchants, and acquirers are to (equip businesses for accessibility and privacy card reader use) support accessibility to persons with physical disabilities.
POS Reader vendors include manufacturers, wholesalers and resellers. An acquirer is a bank that serves merchants. It is licensed to provide merchant accounts to qualified businesses, enabling these businesses to process payment card transactions.
This includes the ISO, MSP having the same responsibility of recommending and providing accessibly-assistive POS equipment to merchants and merchants themselves for their cardholder customers. This ties in with the below Visa section 126.96.36.199. and section 188.8.131.52.
Visa Acceptance Core Rules Section 184.108.40.206 Compliance with Laws and Regulations.
Each Member is also responsible for ensuring that any of its affiliates, subsidiaries, parent companies, third-party agents, Merchants, and any other of its appointed agents participating in Visa’s system comply with all applicable laws, regulations, and other legal requirements applicable to each country in which its affiliates, subsidiaries, parent companies, third-party agents, Merchants, and other appointed agents operate. ADA is a Federal Law with accessibility regulations.
220.127.116.11 PIN Disclosure A Merchant must not ask a Cardholder to reveal the Cardholder’s PIN. Unfortunately, this is common,- and cashiers are put into difficult situations that hurt the business and wheelchair-using cardholders. This happens daily with PIN debit due to a non-accessibly mounted POS terminal.
Non-compliance is serious and dealt with in various ways. None are pleasant.
ADA.Gov. & 508 ICT.
ADA TITLE III is U.S. combined with Visa and PCI Global REQ’s. All businesses open to the public.
The ANSI and ISO and Taylor ADA POS each helps to arm businesses, government agencies, and other organizations with the accessibility tools needed to protect themselves and their customers with accessibility needs for card holder privacy and PIN entry privacy using card readers whether checkouts or check-ins.
Our patented POS Dismount D2P is built specifically using the ADA.gov regulation requisites as the assistive tech for independent accessibility and also used for the PCI card and PIN entry reader privacy requirements and general privacy use. Dismount also includes the independently accessible ADA requirement.
ADA 309 Operable Part: U-shaped pull/tug handle.
ADA 309.4: The U-shape pull/tug handle is usable with one hand and does not require: tight grasping, pinching, or twisting of the wrist, or more than 5 pounds of force (lbf) to operate.
Accessibly detach and attach safely and securely. Dismount D2P [ Dismount – Transact – Re-Mount ]. POS Dismount D2P must be placed within the ADA reach/range requirements.
Major Factors: ADA 302.8 Limited Reach and Strength. ADA Visual Accommodation. PCI Privacy and PIN Entry Privacy (accessibility requirements), VISA acceptance accessibility requirements. Tap to pay is not an accessibility use/source for those who use assistance/benefit cards. Those require a PIN.
ADA.Gov/ Department of Justice (DOJ) CVR Fines start at $75,000. Private citizens can also bring charges based on discrimination.
Reach and Range are only measurements. For card and PIN reader terminals, that alone is not compliance.
For Federal and Military: Agencies shall ensure that all functionality of ICT is accessible to and usable by individuals with disabilities, either directly or by supporting the use of assistive technology, and shall comply with E203.
E205.2 Public Facing
Electronic content that is public facing shall conform to the accessibility requirements.
Slide-Downs, Buttons, Extension arms, and Levers for accessibly-assistive POS mounting do not work for ADA or PCI Privacy and PIN entry Privacy compliance. If they did, we would have already implemented them in our designs many years ago.
Note: Inaccessible POS checkouts are also viewed as discrimination.
IRS Tax Credit.
(U.S. Only) For outside the U.S. , -check directly with your localities.
The tax credit is available to businesses with total revenues of $1,000,000 or less in the previous tax year or 30 or fewer full-time employees. This credit can cover 50% of the eligible access expenditures in a year up to $10,250 (maximum credit of $5000).
For large / Big Box, bulk purchase discounts are available.
Any Certificate of Occupancy.
Also important to know: A Business’ Certificate of Occupancy (Building Code) does require barrier removal (In this case, ADA for the card reader/checkout).
The ADA also views non-accessible as discrimination and those who cannot privately and comfortably interact with the POS terminal device.
This is also why you have ADA parking for customers.
The ADA POS checkout for customers goes hand-in-hand.
Small, Mid-Size and Big Box.
Accessibility requirements go beyond the Federal ADA requirements, this includes the Card Brands for acceptance starting with VISA and PCI accessibility and privacy requirements.
Your business already provides the ADA parking requirement. The ADA also requires all businesses with POS checkout to be ADA-accessible-assistive. The two go hand-in-hand. Compromise at checkout is not aloud.
The POS checkout is the most used place on earth outside the home and is the life of a business. This is why any checkout has to be useable for all cardholders. Most business owners overlook the need for an accessibly-assistive ADA until they end up in a wheelchair as example. We are here to break that mindset and provide the solutions to the problem.
One POS checkout is always to be accessibly-interactive, meaning ADA openly accessible and self-assistive for any cardholder customers and to always be available for checkout during store operating hours.
The additional checkouts can be typical. If more than four, the fifth POS checkout must follow the ADA requirements too. For multi-lane such as grocery and big box is one in every four lanes.
Customers will take notice that you provide an inclusive and accessible checkout. Just as we see the non-accessible POS card and PIN in stores, everyone else does. It’s why we created POS dismount, to begin with. Customers will talk about your ADA checkout in the best of ways.
Countertops: No matter how high or low the POS checkout counters are, they are all fully subject to the ADA Title III requirements.
Reach/Range: Most businesses are told that ADA Reach/Range is all you need. That is a myth. While ADA Reach/Range is a firm requirement, it does not make the POS checkout ADA + PCI accessibly-assistive and the ADA + PCI accessibly-assistive is exactly what matters.
Something to watch out for and it is very real. Any business small, mid-sized, and big box are always huge targets for ADA litigators looking for easy-to-win lawsuits. Most businesses settle out to avoid further damages like discrimination that the ADA considers regarding ADA inaccessible POS card and PIN accessibility issues. This is mostly why you never really hear about them. Non-ADA POS checkouts are a straightforward ADA lawsuit target. If this does happen to your business, even after a settlement, you are still required to have an ADA accessibly-assistive checkout. How easy is it? A photograph.
The IRS offers a 50% IRS Tax Credit that cuts the ADA POS Dismount stand cost in half (typically SMBs). Click here to download the IRS Tax Credit Form.
Bulk volume discounts are available for the big box. Contact us.
PCI, ISO and ANSI.
PCI PTS POI Evaluation FAQs – Technical. (Globally – compliance requirements.) We have only posted a portion as additionally unattended is in the PCI-PTS-POI for accessibility and privacy with card readers. This is also with adoption of ISO 9564 PCI PIN entry privacy requirements.
PCI requirement: “Designed so that the cardholder can shield the POS terminal with the body to protect against observation of the PIN during PIN entry”. This is where POS Dismount D2P comes in for PCI PIN entry privacy compliance use features. This ties in with the Visa and ADA accessibility-assistive requirements.
(Wheelchair, scooter, limited height, limited reach and strength, ADA visual accommodation POS Interaction, etc).
While POS devices are generally mounted at a height that fits within current reach range guidelines, their fixed upward orientation regardless of whether it has a tilt feature makes it difficult for a person with a mobility disability to view the screen, enter a PIN, or sign an authorization, cash-back, etc.
Hard-fixed mounting should never be placed at a designated ADA POS checkout. Countertops/lanes with fixed position POS are incredibly problematic and dismissive of people with accessibility needs—wheelchairs, scooters, little people, etc. POS Dismount D2P is made for accessibility at checkout.
PCI Fines vary, expensive and merchants can lose their ability to process cards.
CAL-FIN 13082 CCPA CPRA.
California has assistive-accessibility state requirement for POS checkouts in addition to the ADA Federal requirements.
Note: Cal-Fin 13082 is a California POS Law and statutory code. California is always under ADA just as all other states; however, California has additional accessibility and privacy requirements and fines for non-accessible and non-privacy POS card and PIN reader checkouts which include the California Civil Code Section 51 [(f) A violation of the right of any individual under the federal Americans with Disabilities Act of 1990 (Public Law 101-336) shall also constitute a violation of this section.] (disability section) and CAL-FIN 13082.
(e) (Partial) A (POS Card and PIN Reader) unit is not in compliance with this section unless it includes a device (POS mounting using ADA operable part u-shape release/pull handle and ADA operations), whether internal or external to the unit, which does not lend itself to easy removal , allows visually impaired users easy access, and otherwise meets the terms and conditions of this section.
(c) (Partial) A manufacturer or distributor shall be required to offer for availability touch screen or other nontactile point-of-sale devices to be used and sold in this state that are equipped with tactually discernible keypads or other technology as described in subdivision (a) that enable a visually impaired person to enter his or her own personal identification number or any other personal information necessary to process a transaction in a manner that ensures personal privacy of the information being entered.
State fines range from $4,000 to $6,000 not counting the ADA federal fines. Your certificate of occupancy requires ADA barrier removal, and your business insurance likely will not cover ADA fines and/or legal disputes.
ESG, DEI and DEIA
For the Executive Leadership, Compliance Officers, Big Box and Publicly Traded. (ADA Accessibility).
Most people do not know that ESG and DEI have each been around and active since the 1960’s. The first accessibility laws intended for brick-and-mortar establishments began in 1959. Here we are in 2024 and checkouts are still in inaccessible caveman mode.
Accessibility fits naturally into ESG. It is about making sure that everyone, including people with disabilities, can easily use services. This shows a commitment to fairness and reduces legal and reputation risks, which connects to the EGS governance aspect. This includes the reduction of paints and coatings in the thematic report. Taylor ADA and standard stainless and steel point-of-sale mounting uses no paint or no powder coating.
ADA is essential to DEI for many reasons. Firstly, it ensures equitable access for everyone, including those with disabilities. In addition to this, it also provides an environment that fosters accessibility in places of business.
DEIA is the federal government’s terminology for accessibility the (A) and is to ensure opportunities for persons with disability to acquire the same engagement and interactions and enjoy the same services as those without disabilities.