Strong Customer Authentication: Using Chip and PIN more often when making contactless payments

[thomas (Thomas Purchas)]

@Floydy

This has been mentioned a few times so far, but the question Im left with is WHY the UK doesnt or cant have contactless and PIN?

It’s a complicated accident of history, this post covers some of the history:

Monzo Labs: Improved Card Security

UK merchant’s terminals (and a few other countries - France, Ireland, Iceland come to mind) It’s largely an accident of history. There are two ways a terminal can verify your PIN: “Offline PIN verification”, where the card verifies the PIN. This is what UK cards prefer, and all non-obsolete UK terminals support. (This can be used for offline transactions) “Online PIN verification”, where the issuer verifies the PIN. This is what many cards from other parts of Europe support, also what all A…

@Floydy

banking insiders could speculate on whether there are any moves to change this

Yes, Mastercard are changing their rules to make it possible. But it will probably still require merchants to update their terminals, which were things tend to get stuck.