Another Chip and PIN question

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Innkeep

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Have had 2 different European credit cards since I changed to a chip-reading machine. The first one did not require the PIN, but the second one did. Since my reader is in my office where it's plugged in to the computer, it's a MAJOR pain to get the card owner and the card reader in the same place. So, for my US buddies - - Can I expect the majority of European cards to require the PIN?
 
Yes.
See if you can get a wireless pin pad.
Or square for these few transactions.
 
And Canadian.
This is one of the things that I keep on telling people... chip cards are a major shift in security... you aren't supposed to give your card to anyone. Processing is done by the client, with the card in their hand and they have control all the time. I don't hand over my card... EVER!
We have a bluetooth handset that we walk over to the client with. Or you need to set up the unit close to the client. HIding it in an office won't work... people won't give you their card. I won't give you my card.
Around here, a restaurant brings the handheld unit to you at the table to pay. We don't give our card away so you can clone it in the back.
 
Same with the magnetic strip cards now. Most places that process a lot of cards have the cardholder swipe their own card. It's rare to hand your card to a clerk anymore.
I don't think it's about speed. Most clerks can swipe a card faster than customers who don't know the technique that works best on the machine. I think it's about security, as [Username He Is Using This Month] says.
 
And Canadian.
This is one of the things that I keep on telling people... chip cards are a major shift in security... you aren't supposed to give your card to anyone. Processing is done by the client, with the card in their hand and they have control all the time. I don't hand over my card... EVER!
We have a bluetooth handset that we walk over to the client with. Or you need to set up the unit close to the client. HIding it in an office won't work... people won't give you their card. I won't give you my card.
Around here, a restaurant brings the handheld unit to you at the table to pay. We don't give our card away so you can clone it in the back..
We are many years away from the way it's done in Canada and Europe. Many.
 
Same with the magnetic strip cards now. Most places that process a lot of cards have the cardholder swipe their own card. It's rare to hand your card to a clerk anymore.
I don't think it's about speed. Most clerks can swipe a card faster than customers who don't know the technique that works best on the machine. I think it's about security, as [Username He Is Using This Month] says..
Except hotels and restaurants. They all wander off with the card.
 
Yes...and Europeans are used to having their cards run in their presence. Restaurants there have mobile machines that have been running cards table side for years and years.
 
And Canadian.
This is one of the things that I keep on telling people... chip cards are a major shift in security... you aren't supposed to give your card to anyone. Processing is done by the client, with the card in their hand and they have control all the time. I don't hand over my card... EVER!
We have a bluetooth handset that we walk over to the client with. Or you need to set up the unit close to the client. HIding it in an office won't work... people won't give you their card. I won't give you my card.
Around here, a restaurant brings the handheld unit to you at the table to pay. We don't give our card away so you can clone it in the back..
We are many years away from the way it's done in Canada and Europe. Many.
.
Take my word for it... not as far as you think. The banks are being cornered by the credit card companies and the consumers. Consumers are tired of having to redo everything when a card is compromised.
I had to ask a few places if they were chip equipped. If they weren't, we paid cash. My card... not going to be swiped. The words I never forget... Target, Home Depot and Hannaford. All of them have compromised my security.
 
Same with the magnetic strip cards now. Most places that process a lot of cards have the cardholder swipe their own card. It's rare to hand your card to a clerk anymore.
I don't think it's about speed. Most clerks can swipe a card faster than customers who don't know the technique that works best on the machine. I think it's about security, as [Username He Is Using This Month] says..
The difference is the data that the business gets. With a swiped card, they get to keep all the data in their file. With the chip, they don't have enough data to process again. Since you use a separate terminal, and not the cash register, the processors can keep them from getting full details. In fact, it was one of the first complaints... they were using your CC number to track your purchases with them.
One professor managed to show them that they could do the same thing with just the last four digits and the expiration data... which is what many of them are doing now. It's despicable.
 
And Canadian.
This is one of the things that I keep on telling people... chip cards are a major shift in security... you aren't supposed to give your card to anyone. Processing is done by the client, with the card in their hand and they have control all the time. I don't hand over my card... EVER!
We have a bluetooth handset that we walk over to the client with. Or you need to set up the unit close to the client. HIding it in an office won't work... people won't give you their card. I won't give you my card.
Around here, a restaurant brings the handheld unit to you at the table to pay. We don't give our card away so you can clone it in the back..
We are many years away from the way it's done in Canada and Europe. Many.
.
Take my word for it... not as far as you think. The banks are being cornered by the credit card companies and the consumers. Consumers are tired of having to redo everything when a card is compromised.
I had to ask a few places if they were chip equipped. If they weren't, we paid cash. My card... not going to be swiped. The words I never forget... Target, Home Depot and Hannaford. All of them have compromised my security.
.
Guests this weekend, from here, have chip card with pin. Terminal didn't require it. So customers may be getting pin with card but processor doesn't know that. The loop is still open.
And everyone is complaining how slooooow the process is now. I can do half my elevator speech before the transaction goes thru.
 
Same with the magnetic strip cards now. Most places that process a lot of cards have the cardholder swipe their own card. It's rare to hand your card to a clerk anymore.
I don't think it's about speed. Most clerks can swipe a card faster than customers who don't know the technique that works best on the machine. I think it's about security, as [Username He Is Using This Month] says..
The difference is the data that the business gets. With a swiped card, they get to keep all the data in their file. With the chip, they don't have enough data to process again. Since you use a separate terminal, and not the cash register, the processors can keep them from getting full details. In fact, it was one of the first complaints... they were using your CC number to track your purchases with them.
One professor managed to show them that they could do the same thing with just the last four digits and the expiration data... which is what many of them are doing now. It's despicable.
.
This data collection is also why stores were/are asking for zip code or phone number. You 'opt in' to being tracked when you give it to them.
 
Online purchases with a chip card are just like with the magnetic strip card? Give them name, address, card number, exp. date and code from the back?
 
Online purchases with a chip card are just like with the magnetic strip card? Give them name, address, card number, exp. date and code from the back?.
For the moment. They are working to change that too... there are a few companies that offer "disposable number" cards. The card is authorized for an exact (or approximate amount) and once used, is recycled with a new expiration date. You can't reuse it.
And they are working on chip readers at home. So you never put up a number, ever again.
 
And Canadian.
This is one of the things that I keep on telling people... chip cards are a major shift in security... you aren't supposed to give your card to anyone. Processing is done by the client, with the card in their hand and they have control all the time. I don't hand over my card... EVER!
We have a bluetooth handset that we walk over to the client with. Or you need to set up the unit close to the client. HIding it in an office won't work... people won't give you their card. I won't give you my card.
Around here, a restaurant brings the handheld unit to you at the table to pay. We don't give our card away so you can clone it in the back..
We are many years away from the way it's done in Canada and Europe. Many.
.
Take my word for it... not as far as you think. The banks are being cornered by the credit card companies and the consumers. Consumers are tired of having to redo everything when a card is compromised.
I had to ask a few places if they were chip equipped. If they weren't, we paid cash. My card... not going to be swiped. The words I never forget... Target, Home Depot and Hannaford. All of them have compromised my security.
.
Guests this weekend, from here, have chip card with pin. Terminal didn't require it. So customers may be getting pin with card but processor doesn't know that. The loop is still open.
And everyone is complaining how slooooow the process is now. I can do half my elevator speech before the transaction goes thru.
.
The guy at WallyWorld was surprised at how quickly my transaction was done since I didn't need to sign. He was waiting for the signature form.... but it was done. Handed me the receipt so I could just leave.
Once you get it set up properly, you realize how slow the old system with signatures really is. I'm not sure why you are slow. Are you still using POTS for yours or are you connected via the Internet?
 
Same with the magnetic strip cards now. Most places that process a lot of cards have the cardholder swipe their own card. It's rare to hand your card to a clerk anymore.
I don't think it's about speed. Most clerks can swipe a card faster than customers who don't know the technique that works best on the machine. I think it's about security, as [Username He Is Using This Month] says..
The difference is the data that the business gets. With a swiped card, they get to keep all the data in their file. With the chip, they don't have enough data to process again. Since you use a separate terminal, and not the cash register, the processors can keep them from getting full details. In fact, it was one of the first complaints... they were using your CC number to track your purchases with them.
One professor managed to show them that they could do the same thing with just the last four digits and the expiration data... which is what many of them are doing now. It's despicable.
.
This data collection is also why stores were/are asking for zip code or phone number. You 'opt in' to being tracked when you give it to them.
.
Was in a store that asked my zip yesterday. Told them I didn't have one. Sometimes I tell them that it's 00001 (Manhattan) or 90069 (Beverly Hills). In Canada I use H0H 0H0 which is the official postal code for Santa. Of course, tell Gomez that the funniest postal code is H1H 1H1.... he will get the joke (That's the equivalent of hehehe for us.)
 
And Canadian.
This is one of the things that I keep on telling people... chip cards are a major shift in security... you aren't supposed to give your card to anyone. Processing is done by the client, with the card in their hand and they have control all the time. I don't hand over my card... EVER!
We have a bluetooth handset that we walk over to the client with. Or you need to set up the unit close to the client. HIding it in an office won't work... people won't give you their card. I won't give you my card.
Around here, a restaurant brings the handheld unit to you at the table to pay. We don't give our card away so you can clone it in the back..
We are many years away from the way it's done in Canada and Europe. Many.
.
Take my word for it... not as far as you think. The banks are being cornered by the credit card companies and the consumers. Consumers are tired of having to redo everything when a card is compromised.
I had to ask a few places if they were chip equipped. If they weren't, we paid cash. My card... not going to be swiped. The words I never forget... Target, Home Depot and Hannaford. All of them have compromised my security.
.
Guests this weekend, from here, have chip card with pin. Terminal didn't require it. So customers may be getting pin with card but processor doesn't know that. The loop is still open.
And everyone is complaining how slooooow the process is now. I can do half my elevator speech before the transaction goes thru.
.
The guy at WallyWorld was surprised at how quickly my transaction was done since I didn't need to sign. He was waiting for the signature form.... but it was done. Handed me the receipt so I could just leave.
Once you get it set up properly, you realize how slow the old system with signatures really is. I'm not sure why you are slow. Are you still using POTS for yours or are you connected via the Internet?
.
Phone line.
It's not the waiting for the signing receipt, it's the waiting for the approval.
Plus, the machine says 'return to clerk' and then waits 20 seconds before continuing.
My guess is that my phone line is faster than my internet.
 
Same with the magnetic strip cards now. Most places that process a lot of cards have the cardholder swipe their own card. It's rare to hand your card to a clerk anymore.
I don't think it's about speed. Most clerks can swipe a card faster than customers who don't know the technique that works best on the machine. I think it's about security, as [Username He Is Using This Month] says..
The difference is the data that the business gets. With a swiped card, they get to keep all the data in their file. With the chip, they don't have enough data to process again. Since you use a separate terminal, and not the cash register, the processors can keep them from getting full details. In fact, it was one of the first complaints... they were using your CC number to track your purchases with them.
One professor managed to show them that they could do the same thing with just the last four digits and the expiration data... which is what many of them are doing now. It's despicable.
.
This data collection is also why stores were/are asking for zip code or phone number. You 'opt in' to being tracked when you give it to them.
.
Was in a store that asked my zip yesterday. Told them I didn't have one. Sometimes I tell them that it's 00001 (Manhattan) or 90069 (Beverly Hills). In Canada I use H0H 0H0 which is the official postal code for Santa. Of course, tell Gomez that the funniest postal code is H1H 1H1.... he will get the joke (That's the equivalent of hehehe for us.)
.
I make up zip codes, too. But always use the same one in case they ask me to repeat it. I don't think it matters, you gave them something so you gave permission.
Most of the time I just decline. They enter a bunch of zeroes.
 
Many of the big box stores also use the zip code data to combine with other data to determine if / where another store should be built.
 
And Canadian.
This is one of the things that I keep on telling people... chip cards are a major shift in security... you aren't supposed to give your card to anyone. Processing is done by the client, with the card in their hand and they have control all the time. I don't hand over my card... EVER!
We have a bluetooth handset that we walk over to the client with. Or you need to set up the unit close to the client. HIding it in an office won't work... people won't give you their card. I won't give you my card.
Around here, a restaurant brings the handheld unit to you at the table to pay. We don't give our card away so you can clone it in the back..
We are many years away from the way it's done in Canada and Europe. Many.
.
Take my word for it... not as far as you think. The banks are being cornered by the credit card companies and the consumers. Consumers are tired of having to redo everything when a card is compromised.
I had to ask a few places if they were chip equipped. If they weren't, we paid cash. My card... not going to be swiped. The words I never forget... Target, Home Depot and Hannaford. All of them have compromised my security.
.
Guests this weekend, from here, have chip card with pin. Terminal didn't require it. So customers may be getting pin with card but processor doesn't know that. The loop is still open.
And everyone is complaining how slooooow the process is now. I can do half my elevator speech before the transaction goes thru.
.
The guy at WallyWorld was surprised at how quickly my transaction was done since I didn't need to sign. He was waiting for the signature form.... but it was done. Handed me the receipt so I could just leave.
Once you get it set up properly, you realize how slow the old system with signatures really is. I'm not sure why you are slow. Are you still using POTS for yours or are you connected via the Internet?
.
Phone line.
It's not the waiting for the signing receipt, it's the waiting for the approval.
Plus, the machine says 'return to clerk' and then waits 20 seconds before continuing.
My guess is that my phone line is faster than my internet.
.
Really? My Internet is super quick with this. They don't really need to return to clerk, they need to take out the card. But that's something people will get used to.
 
Many of the big box stores also use the zip code data to combine with other data to determine if / where another store should be built..
Much too intrusive here. The codes give you everything except for the exact address on half of a block.
 
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