chip and pin credit cards

[BlackPanther]

Вот инфо с Сити:

How does the Global Chip Card work?

• Use it like any other credit card. It does not require a PIN for purchases and there is no additional cost.
• The chip-based card cannot be used as a ‘tap and go’ card, nor can it be used at a PayPass or other contactless chip card reader.

...это они так говорят, а Лакомка сказала, что требуется ПИН

[dream fairy]

что такое чип и сигначур?
или это свайп кард где подписываешся
или не свайп где вставляеш и вводиш код
Лакомка права что у некоторых теперь там просто нет свайп машинок вообще

In Europe, banks overcame this challenge by offering better transaction processing rates to merchants who steer customers toward using "chip-and-PIN" cards. These cards have an embedded "smart chip" instead of (or in addition to) a magnetic stripe. After sliding your card into a merchant's reader, you must enter a personal identification number to authorize the purchase.

Cloned credit cards have become such a problem in some parts of Europe, many merchants flat out refuse to accept a purchase made with a magnetic stripe card or without a PIN. Even though payment platforms promise "universal acceptance," many merchants would rather pay a penalty than stay on the hook for fraudulent transactions. Therefore, your barista in Prague may not take your platinum Visa card.

Rather than adopt "chip-and-PIN" as-is, American banks and merchants have leapfrogged to a new generation of "contactless" smart chips built on the same security standard. While not foolproof, these contactless chips are much harder to clone than their magnetic counterparts.

Over the next few years, American merchants will have to prove that they scanned a valid chip and collected an accurate signature to ensure coverage against fraudulent transactions. Hence, the phrase, "chip-and-signature." As a customer, you'll eventually start "waving" cards instead of swiping them. By the time contactless merchant terminals become ubiquitous in the United States, you should see them throughout the rest of the world, as well.

In the meantime, Americans can use a chip-and-signature credit card for most transactions overseas where chip-and-pin cards are the standard. However, some Americans have reported challenges with automated machines that require a PIN (e.g. train ticket machines). And yet some cardholders report that the chip-and-signature card works fine and skips the step of requiring a PIN or signature.

[Lakomka]

что такое чип и сигначур?
или это свайп кард где подписываешся
или не свайп где вставляеш и вводиш код
Лакомка права что у некоторых теперь там просто нет свайп машинок вообще

They have no paper to signit

[Манюня]

это ты мне зачем написала?
я там полтора года жила, лол

[Манюня]

They have no paper to signit

they have no machine to swipe
the chip and pin card gets inserted, not swiped

[Lakomka]

а кеш- берут?
кеш всегда нужно иметь )))я серьезно

не знала.надо же.что только не придумают

V metro and train station - no cash, no human... Just mashines... Chipn and pin..... No pin - no tickets...

Serously

[Манюня]

V metro and train station - no cash, no human... Just mashines... Chipn and pin..... No pin - no tickets...

Serously

yep, this was unpleasant, lol

[Lakomka]

they have no machine to swipe
the chip and pin card gets inserted, not swiped

Yes, u right....

I had chip /signature card from chase.... Good luck, did not work

[Derevnya]

They all offer chip and signature... From what i see...

Говорят:
Chip & Pin Now Available for British Airways Visа
На самом деле вроде это брехня, так как на саите чейза это чип & сигнатуре
https://creditcards.chase.com/credit...split=1&view=d
они только гады $95 годовых берут.

[dream fairy]

это ты мне зачем написала?
я там полтора года жила, лол

Ну вроде ты спрашивала в чём разница.
Мне интересно, если с этой чип и сигнатуре будет работать пин, который с ней идёт, как с обычной кредиткой.
В прошлом году в Испании вообще проблем не было с обычными кредитками.