CardonDelivery

CardonDelivery, written here as cardondelivery, refers to a payment option in which customers pay for online orders with a debit or credit card at the moment of delivery. It is an alternative to cash on delivery (COD) and to prepayment via online card networks. The exact naming varies, and some sources may spell it as Card on Delivery or Card-on-Delivery.

Implementation typically involves integration between the retailer’s order system and a delivery-facing point-of-sale (POS) device or mobile card reader. When the item is dispatched, the delivery agent processes a card-present transaction, which may involve the customer tapping or inserting a card or entering a PIN. Receipts can be printed or emailed, and funds are settled to the merchant according to the payment processor’s terms. Security measures often include tokenization, PCI DSS compliance, and, in some cases, additional authentication like 3-D Secure.

Advantages of cardondelivery include reduced cash handling and theft risk, the ability to serve customers who do not carry cash, and potentially quicker order fulfillment by avoiding prepayment delays. It can also widen the pool of customers who are willing to purchase from a retailer.

Challenges and limitations include the need for reliable card-present hardware and connectivity, training for delivery staff, potential chargeback or dispute risk, extra processing fees, and regional availability constraints. There are also security and privacy considerations, as handling card data in non-trixed environments raises the need for strict compliance with payment standards and data protection regulations.