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Any problems using a chip and pin card in the U.S?
There has been a lot of discussion about Americans using credit cards in Europe, for example, and the occasional difficulty in using cards with only a magnetic stripe when sometimes a chip and pin is required, such as at a vending machine for tickets or an unstaffed gas pump.
But how does this work in reverse? Suppose a European comes to the U.S. Are there any difficulties in using a chip and pin card in the U.S.? |
Any problems using a chip and pin card in the U.S?
No. Chip & pin cards also have a regular stripe on the back which can be used. These can be used in the US and other machines that can't accept the chip. Requires a signature.
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This:
http://www.flyertalk.com/forum/credi...signature.html is the main thread on the subject. In there, you will find that it generally works, with the exception of a very few misconfigured point-of-sale terminals which recognize that it's a chip card, demand that you insert it instead of swiping it, but then don't read the chip once you insert it. |
One situation would be if there is a power or telecom outage. Occasionally I've encountered a situation where a merchant will want to take the physical imprint of the card numbers - just like as if it were 30 years ago. If you don't have those raised numbers, that's not going to work...
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Originally Posted by MDtR-Chicago
(Post 22198453)
One situation would be if there is a power or telecom outage. Occasionally I've encountered a situation where a merchant will want to take the physical imprint of the card numbers - just like as if it were 30 years ago. If you don't have those raised numbers, that's not going to work...
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Most American chip cards don't require a pin. At least visa and AmEx don't when using the machines in Europe. They are automatically entered. BP gas stations here in US did have problems but have heard they fixed that
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Very good responses.
So, why don't all card issuers in the US just start issuing all new cards with the chip and pin or chip and signature features, beginning now? Since they would continue to have a magnetic strip, it doesn't seem like there would be any downside. |
Originally Posted by Reindeerflame
(Post 22201686)
So, why don't all card issuers in the US just start issuing all new cards with the chip and pin or chip and signature features, beginning now?
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Originally Posted by Reindeerflame
(Post 22201686)
...why don't all card issuers in the US just start issuing all new cards with the chip ...
...A typical large issuer will spend about $1.30 to buy a chip card, compared with 10 cents for a traditional magnetic-stripe card, |
Originally Posted by Reindeerflame
(Post 22201686)
So, why don't all card issuers in the US just start issuing all new cards with the chip and pin or chip and signature features, beginning now?
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Originally Posted by reft
(Post 22204631)
It's starting. Most merchants have to October 2015 to be able to take EMV, otherwise they are responsible for fraud; Gas stations have until October 2017.
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Originally Posted by MDtR-Chicago
(Post 22198453)
One situation would be if there is a power or telecom outage. Occasionally I've encountered a situation where a merchant will want to take the physical imprint of the card numbers - just like as if it were 30 years ago. If you don't have those raised numbers, that's not going to work...
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Originally Posted by Reindeerflame
(Post 22201686)
Very good responses.
So, why don't all card issuers in the US just start issuing all new cards with the chip and pin or chip and signature features, beginning now? Since they would continue to have a magnetic strip, it doesn't seem like there would be any downside. Also don't know about Europe - but in Canada, they were obviously pretty convinced of the benefits. Believe retailers were given incentives by the banks to upgrade to the chip card readers that are wireless. Definitely part of that is the transaction charge - retailers there now pay a bigger fee to the banks if they swipe instead of use the chip. As for the US, my CSP card is now chip - but chip and signature. While there are definitely other US-based chip and signature cards, not sure if there are many, if any, chip/pin cards issued in the US. Also read somewhere that the large Target hack may be the turning point in the drive to get chip cards as the US standard. Basically, the reading went something like while the use of chip cards would not have prevented the data breach itself, it would have prevented the ability for the perpetrators to produce cards using the stolen data. |
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