PIN debit transactions involve customers entering a Personal Identification Number (PIN) at the terminal to authenticate the transaction. Some merchants will request PIN Debit for its perceived enhanced security, as it requires customers to have physical possession of the card and know the associated PIN, thus reducing risk of future chargebacks from stolen cards. Please note that in reality, merchants always get chargeback protection from stolen credit/debit cards as long as merchant is using a chip reader such as our P5, for processing transactions. So merchants get same protection from stolen cards irrespective of whether PIN is used or not.
Widely used in grocery stores, gas stations, and retail outlets, PIN debit provides both retailers and customers with a secure and convenient payment method.
<aside> 💡 Note: PIN Debit is only supported on our P5 Terminal. There are currently no plans to support this with other terminals.
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PIN Debit is currently available on following brands:
| Brand | Available |
|---|---|
| Bottle POS | ✅ |
<aside> 💡 Note: PIN Debit requires NO additional development work to implement. Please have a supervisor speak with your local Product team if you feel this feature may be of interest to your industry or Brand and we can get it enabled.
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| Brand | Available |
|---|---|
| Adyen | ✅ |
| Stripe | ✅ |
PIN Debit is ONLY supported by the P5 on App Version 1.256 and greater.
Once a Brand has PIN Debit enabled (no dev work required), it can be turned on/off for any merchant by going to the Profile Page and turning it on similar to how you would for Tips or Donations.
Some merchants may be used to PIN being requested on most of the debit cards. While this is acceptable, it is not required. Entering a PIN takes extra time.
Instead, we prompt for a PIN when the card issuing bank requires it thus saving the merchant transaction time.
When a PIN is prompted it’s a very simple process. After the consumer taps or inserts their card, the PIN screen is displayed and allows them to enter it and then press the Confirm button to continue.