Chip and Sig Card usage While Travelling Abroad

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Whatamuji
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Chip and Sig Card usage While Travelling Abroad

Postby Whatamuji » Fri Jun 19, 2015 2:54 am

I'm going to Canada next month and was wondering whether I'll have any issues with using my Chip and Signature card over there. I was also wondering whether anyone had any luck using their Chip and Signature cards in places like the London Underground, or Paris Metro at the Chip and Pin kiosks they have there?
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Vermonster
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Re: Chip and Sig Card usage While Travelling Abroad

Postby Vermonster » Fri Jun 19, 2015 5:59 pm

A Chip and Sig card will not work in a Chip and Pin kiosk. Chip and Pin is mostly used for offline verification, Chip and Sig will not be able to verify offline.

Which brings us to the biggest joke of signature based authorization. You can mark/draw/sign however you want and it will be authorized.
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flan
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Re: Chip and Sig Card usage While Travelling Abroad

Postby flan » Fri Jun 19, 2015 10:39 pm

Vermonster wrote:A Chip and Sig card will not work in a Chip and Pin kiosk. Chip and Pin is mostly used for offline verification, Chip and Sig will not be able to verify offline.

Which brings us to the biggest joke of signature based authorization. You can mark/draw/sign however you want and it will be authorized.


Since lost/stolen card fraud amounts to approximately zero percent of card present fraud, who cares? Card present fraud is cloned cards, and the chip is supposed to prevent that. chip and whatever pushes the fraud to card not present transactions.

whit
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Re: Chip and Sig Card usage While Travelling Abroad

Postby whit » Fri Jun 19, 2015 10:56 pm

Vermonster wrote:A Chip and Sig card will not work in a Chip and Pin kiosk. Chip and Pin is mostly used for offline verification, Chip and Sig will not be able to verify offline.

Which brings us to the biggest joke of signature based authorization. You can mark/draw/sign however you want and it will be authorized.


This doesn't sound right; I was in Vancouver and there were chip and pin terminals I stuck my card into (citi, chip and sig) and the card read without prompting a pin or, printing a receipt for me to sign.

Whatamuji
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Re: Chip and Sig Card usage While Travelling Abroad

Postby Whatamuji » Sat Jun 20, 2015 12:01 am

whit wrote:
Vermonster wrote:A Chip and Sig card will not work in a Chip and Pin kiosk. Chip and Pin is mostly used for offline verification, Chip and Sig will not be able to verify offline.

Which brings us to the biggest joke of signature based authorization. You can mark/draw/sign however you want and it will be authorized.


This doesn't sound right; I was in Vancouver and there were chip and pin terminals I stuck my card into (citi, chip and sig) and the card read without prompting a pin or, printing a receipt for me to sign.


Thanks Whit. I've heard that there is a Chip and Sig fallback option at kiosks in some countries.
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Vermonster
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Re: Chip and Sig Card usage While Travelling Abroad

Postby Vermonster » Sat Jun 20, 2015 8:57 am

whit wrote:
Vermonster wrote:A Chip and Sig card will not work in a Chip and Pin kiosk. Chip and Pin is mostly used for offline verification, Chip and Sig will not be able to verify offline.

Which brings us to the biggest joke of signature based authorization. You can mark/draw/sign however you want and it will be authorized.


This doesn't sound right; I was in Vancouver and there were chip and pin terminals I stuck my card into (citi, chip and sig) and the card read without prompting a pin or, printing a receipt for me to sign.


It's just like how you don't have to sign for anything under $25 at some places. The chip and sig worked but required no signature to authorize. The problem you will run into is if you come across a machine that is not connected to the network with a persistent internet connection. Those need the Pin to authorize the charge as there is no way to ask the bank for authorization. These machines tend to be outside of larger town, so I doubt you'd see them in Vancouver.
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itsmeandrew
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Re: Chip and Sig Card usage While Travelling Abroad

Postby itsmeandrew » Sat Jun 20, 2015 10:55 am

I was just in London and Paris last month and had no issues using my VentureOne chip and sig card anywhere, including the underground and metro. No prompt for pin, no signature required.
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whit
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Re: Chip and Sig Card usage While Travelling Abroad

Postby whit » Sat Jun 20, 2015 11:51 am

Vermonster wrote:
whit wrote:
Vermonster wrote:A Chip and Sig card will not work in a Chip and Pin kiosk. Chip and Pin is mostly used for offline verification, Chip and Sig will not be able to verify offline.

Which brings us to the biggest joke of signature based authorization. You can mark/draw/sign however you want and it will be authorized.


This doesn't sound right; I was in Vancouver and there were chip and pin terminals I stuck my card into (citi, chip and sig) and the card read without prompting a pin or, printing a receipt for me to sign.


It's just like how you don't have to sign for anything under $25 at some places. The chip and sig worked but required no signature to authorize. The problem you will run into is if you come across a machine that is not connected to the network with a persistent internet connection. Those need the Pin to authorize the charge as there is no way to ask the bank for authorization. These machines tend to be outside of larger town, so I doubt you'd see them in Vancouver.


I understand that, it's just with the original post u wrote, also quoted, makes it seem like sig and chip card in pin and chip type of terminals wouldn't work, at all.

I haven't had any issues in whistler too but that's a pretty touristy spot like Vancouver so ;p

Whatamuji
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Re: Chip and Sig Card usage While Travelling Abroad

Postby Whatamuji » Sat Jun 20, 2015 3:35 pm

So when you go to a restaurant in say Canada for instance and you give the waiter or waitress a Chip and Signature/Pin card do they have a machine right there with them that lets them insert the card and you sign the screen? Also has anyone tried using a chip card in a drive thru or fast-food restaurant. Really curious to see how this will work in October when the company I work for hopefully switches over to these machines.
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flan
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Re: Chip and Sig Card usage While Travelling Abroad

Postby flan » Sun Jun 21, 2015 8:56 pm

Whatamuji wrote:So when you go to a restaurant in say Canada for instance and you give the waiter or waitress a Chip and Signature/Pin card do they have a machine right there with them that lets them insert the card and you sign the screen? Also has anyone tried using a chip card in a drive thru or fast-food restaurant. Really curious to see how this will work in October when the company I work for hopefully switches over to these machines.


I don't know about canada, but in Europe, they print a receipt that you sign. They have to have a printer, so printing a receipt is much less complicated than having a capture screen.



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