Identification at the till

Card acquisition

The payment terminal step that reads what the shopper presents, payment card and wallet pass alike, before any payment is processed.

Card acquisition is the terminal step that reads before it charges. The terminal polls for whatever the shopper presents, a payment card, a phone, a watch, and reports what it found, including any wallet pass the tap carried, without yet processing a payment. It is the mechanism underneath both tap-based loyalty flows at the till.

The two flows differ in what the acquisition asks for. In one-tap identification, the acquisition carries an amount and polls for the payment method and the pass together; the point of sale learns who the member is, applies their discounts, then completes payment against the already-read card. In two-tap identification, the acquisition polls for the pass alone, and the shopper taps again to pay, with whatever payment method they choose.

The link between the steps is a reference. The acquisition response carries an identifier the point of sale hands back with the payment request, telling the terminal to charge the card it already read instead of asking for a new tap. That reference is what makes one tap genuinely one tap. The pass side of the response carries the member's loyalty identifier, which the point of sale resolves to a profile, a balance and a price list.

One operational detail earns attention: an acquisition that will not lead to a payment must be explicitly closed, or the terminal waits on a transaction that never comes. Point of sale integrations handle this; it is worth knowing because a "frozen terminal" report at the till is more often an unclosed acquisition than broken hardware.

How NFC identification works
Next step

See what this looks like on a pass.

The definition is the short version. The next pages show it on the terminals merchants already run, and the merchants running it.