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I'm pretty sure the magstripe is already somewhat disabled over here. My debit mastercard refuses to work outside of the European union unless I disable the geo
by the_mitsuhiko 5y ago
I'm pretty sure the magstripe is already somewhat disabled over here. My debit mastercard refuses to work outside of the European union unless I disable the geo locking in the banking app, and when my chip was broken the readers kept telling me to put the chip in.
- aidenn0 5y agoIn the US, many POS terminals refuse to use the stripe until there have been 3 failed chip reads.
- pjmlp 5y agoMy debit cards only work with the chip, although the stripe is physically present, it doesn't contain any data (apparently).
- paulgerhardt 5y agoThat’s just a bit on the mag strip that encodes if your card has a chip present. You can flip it with a writer and use the magnet strip again if you want. It’s quicker as one doesn’t have to wait for the Javacard OS on the chip to boot up and handshake. (Ie swipe and walk away vs insert, wait 4 seconds, remove). Wouldn’t do this on my debit card but it’s fine on credit cards with chargeback protection.
- the_mitsuhiko 5y agoInteresting. That said, no desire to do this. I do effectively 100% of my transactions by watch now and that beats any alternative.
- Symbiote 5y agoIsn't that going to lead to the transaction being denied, either by the bank (which knows there's a chip), or even the reader (does it know that all cards beginning WXYZ have chips, for example?)?
- daveoc64 5y agoThat is what should happen, but not all banks implement every fraud countermeasure.