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    • sausage_time
    • By sausage_time 5th Jul 18, 5:39 PM
    • 133Posts
    • 36Thanks
    Contactless plus PIN
    • #1
    • 5th Jul 18, 5:39 PM
    Contactless plus PIN 5th Jul 18 at 5:39 PM
    On my travels and I'm encountering a new scenario - one that I did not know was technically possible! In Croatia, using contactless on my FX friendly credit card. All good, no DCC scams so far. I don't know the contactless limit here, so I try it on every time. For around 5 "big" transactions, i've been promoted for my PIN after the tap, but with no card insertion necessary.

    Never seen this before. I always thought the chip did the PIN validation, so not sure how this works. Anyone else encountered this?
Page 1
    • glider3560
    • By glider3560 5th Jul 18, 7:21 PM
    • 3,654 Posts
    • 2,340 Thanks
    • #2
    • 5th Jul 18, 7:21 PM
    • #2
    • 5th Jul 18, 7:21 PM
    It happens in Spain too. Not a system we have in the UK, but our banks support it.

    Works a bit like ATMs before cards got chips. The PIN is stored remotely at the bank and it gets checked remotely after entry.

    • Alexd52
    • By Alexd52 5th Jul 18, 9:43 PM
    • 194 Posts
    • 101 Thanks
    • #3
    • 5th Jul 18, 9:43 PM
    • #3
    • 5th Jul 18, 9:43 PM
    Had this in Portugal today
    • sausage_time
    • By sausage_time 6th Jul 18, 8:48 AM
    • 133 Posts
    • 36 Thanks
    • #4
    • 6th Jul 18, 8:48 AM
    • #4
    • 6th Jul 18, 8:48 AM
    Yes, it must be on-line validation. Has to be good from a fraud detection point of view too.

    It's actually very fast and convenient. You can put your card away as soon as the terminal scans, and then enter your PIN. Hope ye olde UK banks and payment systems adopt this too.
    • genetic
    • By genetic 6th Jul 18, 11:34 AM
    • 123 Posts
    • 298 Thanks
    • #5
    • 6th Jul 18, 11:34 AM
    • #5
    • 6th Jul 18, 11:34 AM
    I had this in the UK this week, too. For a purchase of under 10 pounds!
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