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If you try to swipe a chip card then yes, the terminal will reject the swipe and tell you to insert the chip. If your chip fails three successive tries, the ter
by chrsstrm 10y ago
If you try to swipe a chip card then yes, the terminal will reject the swipe and tell you to insert the chip. If your chip fails three successive tries, the terminal will accept a mag swipe instead. I don't know if this is true everywhere but I have seen it in multiple retailers across the US. Point is, if attackers are cloning mag cards from chip data, those cards can still be used in chip terminals.
- redbluff 10y agoThat can be true, but then the transaction is considered "fallback" and most issuer Banks that have any brains will be examining these very closely with their real time fraud systems. Some deny fallback outright, but I am not sure if this is within scheme rules, it may depend on the region.
- cpncrunch 10y agoFrom what I can determine, the retailer is liable for fraud when using magnetic strip, whether or not the chip has failed: http://www.emvcanada.com/forum/what-happens-when.html http://www.emvcanada.com/forum/what-happens-when.html
- kiwijamo 10y agoNew Zealand chip card machines does the same but I think it only need two chip read failures before it falls back to swiping using the magnetic strip.