In Germany you can essentially tap for any amount (even above €50) but also need to provide the pin.I was on the Sbahn in Berlin. The payment was made using a hand held card reader device. The transaction was contactless. The staff member insisted I keyed in my 4 digit pin, eventhough card NOT entered into device and it was contactless. He was genuinely an employee but I thought it bizarre.
I don’t think I ever got asked for my pin when tapping the card here in Ireland.I use my phone and Revolut. I rarely get asked for my pin? It's certainly not every third transaction?
Is the phone more secure and more efficient in this regard?
Brendan
I don't think you ever get asked for a pin when using your phone. I have to unlock my phone to use the card so I assumed that was considered sufficient security.I use my phone and Revolut. I rarely get asked for my pin? It's certainly not every third transaction?
Is the phone more secure and more efficient in this regard?
Brendan
This is how my Irish credit card reader works either for transactions above €50 or when the customer has tapped too often.The card doesn't need to be inserted .I was on the Sbahn in Berlin. The payment was made using a hand held card reader device. The transaction was contactless. The staff member insisted I keyed in my 4 digit pin, eventhough card NOT entered into device and it was contactless. He was genuinely an employee but I thought it bizarre.
Could be wrong but don't you have to use finger scan or face id to get into your phone's wallet? In that case it suffices as extra securityI use my phone and Revolut. I rarely get asked for my pin? It's certainly not every third transaction?
Is the phone more secure and more efficient in this regard?
Brendan
Apple Pay or Google Pay with face ID is more secure than physical card with PIN, yes.Is the phone more secure and more efficient in this regard?
face id to get into your phone's wallet?
Basically the reason my wallet is always brought along with me, but almost never used anymore.Yes. But that is safer and easier than putting in a pin. And I remember my face more easily than my pin.
That's how it works in Portugal for example. Contactless plus PIN.I was on the Sbahn in Berlin. The payment was made using a hand held card reader device. The transaction was contactless. The staff member insisted I keyed in my 4 digit pin, eventhough card NOT entered into device and it was contactless. He was genuinely an employee but I thought it bizarre.
It's not the terminals that make the requirements, it's the merchant processors and issuing banks that dictate that.A lot of card terminals in Ireland seem pretty old and don’t seem to support contactless use of PIN.
Common in a lot of Europe.
I was under the vague impression that some POS terminals in Ireland only allow PIN entry when card is inserted, and not for contactless.It's not the terminals that make the requirements,
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