Digital Payment Labor Hours

Consider adjusting your labor hours assumptions based on the below activities.

Non-Digital Payment Labor Hours
Activity	Lower hours	Average Hours	Higher hours
Storing and filing payment card signature slips	Limited to no time as signature is not required	Use digital signature	Manual administration of signature slips
Card reconciliation	Limited time given integration with accounting system	Automated batching and reconciliation by payment processor	Manual batching and reconciliation
Fraud management and investigation	Managed by payment processor; and/or a few cases per month	Partially managed by payment processor; and/or a few cases per week	Internal management and/or a few cases per day
Payment card security (ie. terminal, e-commerce)	Managed by payment processor	Partially managed by payments process	Internal management
Other card management tasks such as staff training	A couple hours over the month	A couple hours per week	A couple hours per day
Other digital payment task	A couple hours over the month	A couple hours per week	A couple hours per day