- Supports dual interface, allowing PIN for contactless as well as contact EMV transactions
- Reduces build and operational costs with simplified PIN management
Online Personal Identification Number (PIN) validation is a Cardholder Verification Method (CVM) used to authenticate the Card Member performing EMV contact and contactless payments at the point-of-sale.
When a cardholder enters their PIN at a terminal, the PIN is encrypted by the PIN pad and sent online to the host for validation, without being stored on the Card. Card Issuers can employ the Online PIN as an acceptable Card verification method to complete a card-present EMV chip and/or contactless transaction.
Merchants and Card Members
Terminal/Merchant Acquirer sends and receives PIN from the Network
The Network carries encrypted data securely between the sender and the receivers
Issuer receives data and validates the PIN to verify the Card Member, and sends a response of “yes” or “no”