"PIN Bypass"

sheramber

As the OP referred to petrol and fuel and not gas I would assume she is in UK.

jonesMUFCforever

I always thought that PIN bypass was a scenario when they ask you to swipe the card instead of chip and pin, but by doing this the risk of any fraud transfers from the bank to the retailer.

boo_star

jonesMUFCforever wrote: »

I always thought that PIN bypass was a scenario when they ask you to swipe the card instead of chip and pin, but by doing this the risk of any fraud transfers from the bank to the retailer.

I don't believe that's the case unless the retailer just swipes it.

Usually 2 or 3 failed attempts to read the chip will result in a "fallback to swipe" message and I believe in that situation the retailer has the same protection they had under the old swipe and sign rules.

Westie983

Was this a new or replacement card? as some banks require their cards to be activated via a ATM before they can be used, when you placed the card in the terminal it showed pin blocked/locked.

This is common when issuing new cards along with customers that have inadvertently blocked their card by putting in the wrong pin number (either using a different card and right pin or vice versa) Natwest card and Nation-wide pin for example and not noticing the wrong card in the terminal.

This message comes up as soon as the card is inserted as the chip holds all the information. Unlocking the card can only be done at a ATM, although it shouldn't be the host ATM it can be any ATM, you do have to use the right one to get a itemised statement and sometimes to change the pin

Westie983

Westie983

boo_star wrote: »

I don't believe that's the case unless the retailer just swipes it.

Usually 2 or 3 failed attempts to read the chip will result in a "fallback to swipe" message and I believe in that situation the retailer has the same protection they had under the old swipe and sign rules.

I think this is wrong and JonesMUFCforever is correct, if retailers use the magnetic strip over chip and pin then they are liable for any fraud on the account or misuse. It tends to be only foreign cards that dont have chip and pin that are used to swipe but they are at the retailers own risk.

here is a story from a year ago which described a bank blocking a card after being swiped as it opens up for a forged signature.

More information also found via here

Magnetic stripe
There are still a small number of international issued cards in circulation that are not chip & PIN enabled and have only a magnetic stripe; you should deal with these in the same way as for any foreign-issued cards that don't have a chip. To process a transaction using this type of card, you will need to swipe your customer's card through the terminal and follow the instructions provided to complete the transaction. As part of the process, you!!!8217;ll require the cardholder to provide a signature on the terminal receipt to authorise the transaction. In the case of a fraudulent transaction !!!8211; for example, a forged signature - different chargeback rights exist for this transaction type compared to that for a chip & PIN transaction.

Many times have I been behind someone in a shop when they have had to leave their shopping as chip wasn't working on their cards.

Magnetic stripes are used to access information at a ATM and issues arise if it becomes scratched but doesn't affect the CnP.

Westie983

EssexExile

In the article referred to above one of the examples was a transaction in Alaska. In the USA the risk is passed to the retailer if chip'n'pin is available but not used. This is to persuade those backward Americans to use chip'n'pin like everyone else. I've not heard of that applying here.

Terry_Towelling

We might be getting bogged down here. PIN Bypass is an optional process in the USA whereby a US cardholder with a US card can ask to bypass PIN entry and revert to signature (as far as I'm aware).

That doesn't exist in the UK (although 'contactless' has some similarities) but we do have a process called 'Fallback' (or at least we did) whereby if the CHIP on a CHIP card cannot be read by the POS device, the retailer may be permitted to use the magstripe and signature to complete the transaction. The transaction has to go online to the issuer for authorisation so that they can see it is a CHIP card in a CHIP reader but using the mag stripe instead. The issuer can then decide whether to risk authorising the transaction or not. Fallback to magstripe in an ATM is not permitted. (My cards knowledge is a bit 'old' so if things have changed please update me)

The question that needs answering here is why was the PIN locked when OP came to make the transaction? - because that is what seems to have happened and triggered some kind of inappropriate PIN bypass response by the POS device. Could it have been a new card (as suggested by @Westie983), was there a glitch somewhere, or was the PIN locked because 'someone' incorrectly entered it 3 consecutive times previously?

Nasqueron

FWIW all the times I have used pay at pump you have to put the card and PIN in before they will dispense, to a maximum of £99 of fuel

Terry_Towelling

Wheres_My_Cashback wrote: »

Unbelievable !!

Are you saying you don't believe OP's story or are you just aghast that this could have happened?

sheramber

It seems the OP is not going to come back and enlighten us.