![]() Given roughly equivalent line waits, I've found human checkers tend to be much faster if you have more than a handful of items - they know where the barcodes are on the items so they don't have to play the game where you try to figure out which side of the soda bottle or cereal box has the barcode on it, and they already have the codes for produce memorized. So a merchant can quite realistically do some shenanigans with a reprogrammed terminal, but they won't be permitted to take off with a large amount of money from the merchant account until a sufficient amount of time will have passed for the first chargebacks or complaints of fraud to show up. ![]() That's the difficult part - since the acquiring bank is fully financially responsible if you do so (they'll compensate everyone else involved for the fraud chargebacks, no matter if they can recover it from you), they generally take quite stringent steps to fight merchant-initiated scams, and the simplest step is simply freezing the money for some time 30 days is not uncommon but I have even seen 90 days if the merchant's profile is risky or if the incoming payment volume suddenly increases significantly - the bank is effectively treating any payments to the merchant as a line of credit or letter of guarantee until it's clear that those payments won't be fraudulent or charged back. Wait for the weekends takings to clear into your merchant account, and then take off with the money.
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