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My MC, issued by a US credit union, does require PINs. Most checkouts in the US or Canada require me to enter a PIN when using this card, though this somewhat s
by abawany 6y ago
My MC, issued by a US credit union, does require PINs. Most checkouts in the US or Canada require me to enter a PIN when using this card, though this somewhat seems to also be a function of the purchase amount.
- dragonwriter 6y ago> My MC, issued by a US credit union, does require PINs. Most checkouts in the US or Canada require me to enter a PIN when using this card If you can checkout some places without it, the card does not require a PIN, it provides it as an option.
- tialaramex 6y agoEMV has a negotiation step. As is often the case this step is flawed, but generally the idea is the card (well the chip on the card) and the terminal get to negotiate about what's going to happen next. So I think it's possible for a card to insist upon doing a PIN transaction if that's possible, while still retaining the ability to authorize a no-PIN transaction if the terminal says it doesn't do PINs. It's also possible for the card or the terminal to have value-related thresholds, in line with the issuer's appetite for risk so e.g. maybe a bag of chips from a vending machine with no PIN is a risk the bank can live with, but a $3000 diamond engagement ring not so much. Because the chip has (some) memory it can even have state, maybe one $1.50 bag of popcorn from an offline no-PIN terminal is fine, and so is two, but before you can do a third tiny off-line transaction you'll need to do a real transaction or visit an ATM or other online system with the card so it be reassured everything is on the up-and-up.