Originally Posted by alexmt

I took that as being untrue. Their statement of encryption I thought referred to dynamic authentication. Written by marketing, not tech.

Originally Posted by patrick.barnes

Yup. That's what I'm saying. I put it into my EMV reader -- no CVMs defined, just track data.

I presume there's something on the track that still triggers the 'insert chip' message, though. Maybe that's worth something.

Re: "encryption". Well... not sure what's encrypted. I can see my name, card number and expiry on the chip without entering a PIN, and there are no encryption keys on the chip, and it's not capable of encrypting/decrypting anything. Maybe their marketing copy just means it's harder to replicate the chip, which is true.