chip & pin

Andybez38

Forgive me if im wrong, but i thought all stores had to use a pin number entered by the customer to complete a transaction now. My girlfriend went to our local B&Q to buy some tiles. She paid by her card and was asked to sign, No pin number asked for. Is this still the norm in you B&Q store or other stores near you?

MPH80

A number of stores, including places like B&Q, Waitrose, John Lewis, Clinton Cards etc have not yet upgraded their equipment to accept Chip and Pin (and as such are currently liable for all fraud!)

Basically - if you are a retailer - you have two options for taking credit cards - you can either provide your own equipment, or have the bank provide it for you.

If the bank provides it - they should have already upgraded you.

If you provide it - you are expected to perform the upgrade - hence why a number of organisations are dragging their feet - they need the cost of burden on the fraud to be higher than the cost of installing it.

M.

teedee123

Aldi still let you sign,Morrisons Stores the lady told me if you can`t remember

your pin we can over-ride it.

grumbler

Andybez38 wrote:

... i thought all stores had to use a pin number entered by the customer to complete a transaction now.

They don't have to, but they have a right now to refuse accepting signature to authorise chip&pin card transaction.

juno

I went in B&Q a few days ago and there was a sign saying the date they were changing over, but it wasn't quite yet

Wirenth

Sometimes if the pinpad on a particular till is broken, the cashier will print out a signature slip.

It happened to me two weeks ago in a M&S that has chip&pin.

James

PIN advice from the people who brought you chip and PIN is conflicting and does nothing to inspire confidence:

Should or shouldn't you use the same PIN for more than one card?

A single Pin for all cards is not recommended practice from a security point of view, but Apacs takes a pragmatic view.

Mark Bowerman explains: “What we say is that if you are struggling to remember numbers, rather than writing them down, change them to the same number. It’s down to each person as to how many different Pins they can remember.”

And From The Card Watch Website, Run by APACS:

Don’t use the same PIN for every card.

Links:

http://news.ft.com/cms/s/78d9edf8-b026-11da-a142-0000779e2340.html

http://www.cardwatch.org.uk/default.asp?sectionid=3&pageid=105

Surely the most appropriate advice for anyone who has difficulty remembering PINs (especially for cards they will never use at an ATM), is to opt for Chip and Signature?

Joe_Bloggs

@Wirenth
I've been also been asked to to provide a signature on a chip and pin card when the C&P facility failed on one single checkout in Sainburys. With a bit of charm and alleged psychic power I can get the existing equipent to print out a receipt requiring my signature from my antiquated chip and sig Amex Blue card.
J_B.

James

Chips are down as banks will PIN any loss on you.

In its contract, Bank of Ireland states: "Use of the PIN in conjunction with the credit card shall be regarded as conclusive evidence that the relevant transaction was carried out by the cardholder."

The Post Office 2 in 1 card is administered by the Bank of Ireland.

http://www.unison.ie/business/personalfinance/stories.php?ca=257&si=1580216

eagle

Andybez38 wrote:

Forgive me if im wrong, but i thought all stores had to use a pin number entered by the customer to complete a transaction now. My girlfriend went to our local B&Q to buy some tiles. She paid by her card and was asked to sign, No pin number asked for. Is this still the norm in you B&Q store or other stores near you?

My local Shell petrol station has upgraded to Chip and Pin. When I recently changed my AmEx card from Signature-only to Chip-and-Pin, I went to use it at this petrol station. They asked me to sign, as the "Chip-and-Pin facility for AmEx cards had not been set up yet on their systems". I was quite surprised, but it seems quite a lot of places have not yet implemented Chip-and-Pin authorisation for AmEx users. Strange, but quite amusing to see the Yanks are behind everyone else for a change :rotfl:

mr_fishbulb

MPH80 wrote:

A number of stores, including places like B&Q, Waitrose, John Lewis, Clinton Cards etc have not yet upgraded their equipment to accept Chip and Pin (and as such are currently liable for all fraud!)

Same with Primark in Reading. Infact you could commit fraud with a stolen credit card in all these shops and get free car parking in Reading becuase that doesn't ask for a pin either.