What is the difference between EMV and Chip-and-Pin?

By Wilson | Updated


There are two types of EMV (Europay, MasterCard and Visa, a global standard for inter-operation of integrated circuit cards):

  • Chip and Signature

  • Chip-and-PIN

With a Chip and Signature card, you use your signature as verification instead of entering a PIN. With a Chip-and-PIN card, you will need to enter a PIN as you would with a debit card.

Chip-and-PIN is the more secure of the two as PINs are much more difficult to crack compared to signatures, which are easily forged.

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