Originally Posted by
Barciur
Question regarding online pin and offline pin. In Poland, most of the transactions apparently are done in ONLINE mode. But does that necessarily imply that PIN is also verified Online? According to CVM database, my TD Debit Card should be using the online PIN before going to signature, but inserted it always asked for a signature. Same with contactless over their limit. So I wonder if that means the transaction is done online but PIN is verified offline, or if the CVM database is just wrong/out of date?
The terminal can choose to not support Online PIN (many don't) so it would skip that CVM and go to signature. However, looking at the EMV database for TD Debit, I see the CVM list of Online PIN and then No CVM. Many terminals (incorrectly) still prompt for signatures on No CVM transactions, which may explain some of the behavior you saw.