Pub. 5 2017 Issue 4

Issue 4. 2017 11 Suggested Best Practices for Issuers To assist your cardholders in navigating this complex environ- ment, we suggest the following best practices: 1. If you haven’t already done so, enable a common AID on all of your debit cards as soon as possible. If you issue PIN-only cards that are not enabled on one of the primary debit net- works, license a shared AID from the Debit Network Alliance for those cards. 2. Encourage merchants that have retail accounts at your bank to support a U.S. Common Debit AID to help maximize their routing choices, reduce costs and improve the cardholder experience. 3. Educate your cardholders about the different verification methods they are likely to encounter in different merchant environments. Let them know that some fast-food restau- rants and grocery stores often opt to use PINless debit for lower-value transactions. 4. Inform cardholders that they may encounter terminals that ask the consumer to choose the AID by asking them to se- lect either “U.S. Debit” or a branded network. Suggesting the U.S. Debit option will maximize the routing options and reduce your costs. 5. Help your customers understand that their experience at the terminal may vary between PIN, PINless and signature verification. Similarly, they may be asked to verify mobile payments with their fingerprint or with their fingerprint and PIN. Let them know that this variation may persist for the foreseeable future. n For more information on U.S. Common Debit AIDs, visit debitnetworkalliance.com or uspaymentsforum.org . THE BEST NUMBER TO HELP YOU DRIVE YOUR SMALL BUSINESS CLIENTS TO NEW HEIGHTS. For operating capital needs, talk to us about SBA Community Advantage (7a) Loans. 801.474.3232 | mwsbf.com Partner with us on SBA 504 Loans • Purchase land and equipment • Buy, build or remodel a building • Lower monthly payments • 10- to 20-year fixed rates • As little as 10% down Utah’s #1 Small Business Lender