Restaurants stand to improve customer's payment experience because they now have the ability to offer more payment options to diners.  The new Dodd-Frank Wall Street Reform and Consumer Protection Act means that restaurant operators can save on credit card fees.

Consumers who prefer to pay for meals using a PIN based debit option, as opposed to a signature based debit or credit transaction, benefit from a speedier transaction since they only need to enter their PIN and do not need to sign a receipt.  For restaurants, this is a terrific bottom-line boosting offering, as transaction fees associated with PIN-based transactions are significantly lower.  For restaurants that elect to offer this option, it will be critical to determine new protocols from customer experience at payment time and train staff accordingly.  Additionally, restaurants should gain opinions directly from diners about the ease of use and desirability of the new payment method.  This can be easily done by adding to existing customer surveys.  Diners can reveal any aspects that may not meet their expectations and restaurants can adjust in order to improve experience.