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Chip and PIN is a technology used in bank cards, such as debit and credit cards, to provide an additional layer of security when making payments. The technology requires the cardholder to enter a personal identification number (PIN) to authenticate the transaction. This is in contrast to the traditional magnetic stripe cards, which only require the cardholder to sign a receipt.
Chip and PIN technology is widely used in Europe, where it has been adopted by most banks and retailers. In the United States, the technology is slowly gaining traction, with some banks and retailers beginning to offer it as an option.
The technology has been credited with reducing fraud and increasing consumer confidence in the security of their payments. It has also been praised for its convenience, as it eliminates the need for a signature.
Companies in the Chip and PIN market include Visa, Mastercard, American Express, Discover, and JCB. Show Less Read more