A chip and PIN-enabled card doubles your card security. Chip cards are extremely difficult to copy- and with your secret PIN only you get to use your card.
When you’re ready to pay, give the card to the cashier who will insert it into the card reader (if they have a chip-enabled device).
While the card is in the reader, check that the transaction amount is correct. Enter your PIN on the PIN pad to authorise the transaction. If your card is removed before you enter your PIN, the transaction will be cancelled.
If the merchant is not chip enabled the cashier will swipe the card through the card reader. You will be asked for your signature, as you do with a magstripe credit card.
For added security, cover the terminal keypad as you enter your PIN.
The cashier will give you a duplicate of the slip with your receipt.
Keep the slip and check it against your monthly statement.
3D Secure verifies your personal details during an online purchase, prior to a transaction being completed.
Every time you buy something online you’ll require to enter code in your USB Dongle or cell phone app. This ensures that the transaction is being made by you, the cardholder.
When making an online purchase, you will be asked for your:
Credit card number
Card expiry date
The last three numbers of your card validation code (CVC). You can find your CVC on the back of your credit card.