Coming soon, paying your tab without giving your credit card

This photo provided by Mastercard demonstrates some of the new features of the Qkr with Masterpass mobile payments service. The upgrade being rolled out during the summer of 2017 will let people open, manage and close their tabs at participating bars and taverns completely through their phones, without having to hand over a credit card. (Courtesy of Mastercard via AP)

NEW YORK —

It’s 1 a.m. You’ve had a few too many at a crowded bar and walk out without paying the tab. Your credit card and driver’s license sit behind the cash register, leaving your personal info widely accessible while you sleep off those vodka tonics.

There’s a new option that might lessen the pain. Not the hangover pain — for that, you’ll need aspirin. But if you’ve ever left your credit card at a bar by mistake, or spent several minutes trying to flag down a harried bartender to close you out, there may be a new option.

An upgrade being rolled out this summer to Mastercard’s mobile payments service will let people open, manage and close their tabs at participating bars and taverns completely through their phones, without having to hand over a credit card. The Open Tab feature, available in the U.S. and the U.K., will be an upgrade to Mastercard’s existing Qkr mobile payment service.

“We heard from so many bars and pubs who always have a number of credit cards left at the end of the evening, and we thought, ‘we know how to address this,’” said Betty DeVita, the business head of Mastercard’s Qkr platform. DeVita also cited Mastercard survey data that it takes on average 12 to 15 minutes to close out a bill, time that could be used to serve more tables and customers.

The service will be free to customers and the service will cost the same for bars and restaurants as their normal credit card processing costs, DeVita said. While Mastercard is rolling out the feature, Qkr will work with any major credit card as long as the merchant accepts it.

Popular apps like Venmo, Square Cash and bank-specific versions like Chase QuickPay have already changed the dynamic in how some people are paying for things. The payment services that let people send each other money for free via their phones mean you can quickly pay a friend back for a drink or divide the dinner check instead of just hoping that someday soon the friend will take a turn.

Those have the benefit of working at any restaurant, but don’t have the ability to split bills until after the fact.

The new bar tab option on Qkr is fairly straightforward. Customers can open the Qkr or the bar’s app, and set up a tab, entering their credit card information if they hadn’t already done so. Once the tab is ready, customers would get a table number, which they’d give to the bartender each time they order a drink.

When they’re ready to go, customers can close out their tabs in the app. There are options to add other people to the tab, much like how a person can split a fare on Uber, as well as the ability to pay for individual drinks or pay for rounds of drinks. It also provides the option to automatically leave a tip.

If someone forgets to close out a tab, it’s automatically closed at the end of the night. The bartender never needs to hold onto a credit card, and the bar is protected from fraud like fake cards since the Mastercard already preauthorizes the card before a tab is opened.

Seth Weinberg, the lead bartender at a restaurant at the Fontainebleau Miami Beach resort, said he could definitely see the resort integrating the service.

“Having so many options to split a bill would be great. It can take a lot of work to split a complicated bill on a point-of-sale system that’s not set up correctly,” he said.

But Weinberg said he worried how the service might affect tips, which often make up a substantial part of a bartender or server’s salary.

“You don’t get that last chance to interact with the customer,” he said.

One caveat would be how widely the service is adopted by bars and restaurants that see lower volume than nightclubs and resort bars.

“I wish we had a problem of managing too many bar tabs!” said Jim Grinchis, who owns 204 Main Bar and Bistro in Sharon Springs, New York. “We just don’t have the volume of people to justify this service.”

Copyright 2017 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

  • 6

    roughneck

    Problem Statement: How to pay your tab without giving your credit card!!!

    Solution: Ever heard of cash?

  • 0

    wanderlust

    Never used to pay at my old bar in Osaka, the mama-san would send an invoice to the company at the end of the month!

  • 2

    Dandy Nong

    never ever ever use those mobile devices with any of your bank accounts... never...

    you know how easy it is to hack phone devices?

    cash is king... gold is god!!

  • -1

    pacint

    Agree with roughneck cash all the way.

    Myself never take any cards with me when out in the Town. Plus, places I visit you pay when you order.

  • -2

    Cortes Elijah

    How irresponsible is that.... here's my credit card while I get so smashed I cannot even remember it.

    I use cold cash. I do get pretty messed up sometimes to the point that I talk to my penis in the toilet..... but I never leave a credit card behind lol.

  • 1

    theFu

    Dandy NongMar. 17, 2017 - 02:57PM JST never ever ever use those mobile devices with any of your bank accounts... never... you know how easy it is to hack phone devices?

    Correct. But convenience will override security for 98% of humans. They just don't know any better and the liability to the client is limited, so they think "why not?" They forget all the other things their devices are connected with - emails, twitter, banking, pron sites, embarrassing photos ... and perhaps sensitive work information.

  • 2

    kurisupisu

    Imagine being bleary eyed and drunk using a mobile phone to close out a tab!?!?!

    No thanks..,,,

Login to leave a comment

OR
Undergraduate: Information session (April 9)

Undergraduate: Information session (April 9)

Temple University, Japan CampusContinuing Education / MBA

Trip to Bountiful in the Heart of Tohoku

Trip to Bountiful in the Heart of Tohoku

JI Core 50 Professional MonitorsBusiness Services

Blowfish Cuisine in Japan

Blowfish Cuisine in Japan

Ms GreenTravel / Hotels

Special Offers

グローバルに
活躍したいあなたへ
外資系転職

バイリンガル人材の
ための求人サイト

見てみる

More in Technology

View all

View all

Find Your
Apartment
in Japan

10,000’s of properties available today!

Search