EMV Hardware

Liability ShiftChip & PINChip & Signature
Liability Shift ImageChip & PIN ImageChip & Signature Image
In October 2015, the card associations changed the liability rules when accepting debit cards and credit cards. If you swipe the magstripe on the back of a chip card instead of reading the chip, you own the liability for fraud instead of your bank or the card issuer.Chip & PIN is the terminology that refers to the authentication method where a debit card or credit card is inserted, the chip is read, and the customer is required to enter their PIN. The decision to prompt for the PIN is determined solely but the issuing bank, not by the processor.Chip & Signature is the terminology that refers to the authentication method where a debit card or credit card is inserted, the chip is read, and the customer is required to sign in lieu of entering their PIN. The decision to bypass the prompt for the PIN is determined solely but the issuing bank, not by the processor.
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