Card with chip, but no PIN

norueganoruega Posts: 13Member ✭✭
edited April 2014 in Ask The Community

Hi, i got a new card as the old expired. 

 

It has a chip! Fantastic. 

 

But not so fantastic: The chip does not have a PIN code, so I have to sign every time when using it.

 

And because there is a chip on the card, it does not accept the magnetic stripe - it just tells me to insert the chip. 

 

That means a lot of hazzle, and unable to use it a lot of places as paying for parking and so on, where there are no persons.  Also places where I used the stripe with PIN before is not working any more. 

 

I have many cards with chip, they all require a PIN. Every one. When using the chip. 

 

Is this supposed to be how it works? Have chatted 2 times with customer service, they don't understand the problem at all. 

 

Should not it be a EMV with PIN card? 

Best Answer

Answers

  • vasya_in_da_housevasya_in_da_house Posts: 29Member ✭✭
    edited April 2014

    Thanks for sharing this noruega. Can you please tell what bank issued your card? Is it still Belize Bank or European bank?

     

    Also, Can anyone from Payoneer address this issue? Is it really "Chip & signature" and not "Chip & Pin" ?

     

    Difference between cards: http://www.cardhub.com/edu/chip-and-pin-vs-chip-and-signature/

  • NissimNissim Head of Community Posts: 4,013Administrator ✭✭✭✭✭✭✭
    edited April 2014

    @noruega: The new card is an EMV card. There are several types of "EMV", one of which being "Chip and Signature." Thew new Payoneer EMV card is a Chip and Signature card, meaning you can use it with any EMV or Chip terminal but will still need to sign for the transaction.

     

    That being said, the card is set up to work at EMV terminals in which there is no person present, without the requirement of signing. If your card was not approved for some reason, it may be related to another issue. Can you please send me your Payoneer account e-mail and additional information regarding the declined transactions? I will make sure to have a customer support representative look into this as soon as possible. You can e-mail it to me at [email protected]

    Nissim
    Director of Community at Payoneer
  • agent010agent010 Posts: 12Member ✭✭
    edited April 2014
    Nissim wrote on April 13 2014, 3:32 PM: »

    @noruega: The new card is an EMV card. There are several types of "EMV", one of which being "Chip and Signature." Thew new Payoneer EMV card is a Chip and Signature card, meaning you can use it with any EMV or Chip terminal but will still need to sign for the transaction.

     

    That being said, the card is set up to work at EMV terminals in which there is no person present, without the requirement of signing. If your card was not approved for some reason, it may be related to another issue. Can you please send me your Payoneer account e-mail and additional information regarding the declined transactions? I will make sure to have a customer support representative look into this as soon as possible. You can e-mail it to me at [email protected]

     

    Are you kidding me? The most important feature with having the chip is to be able to pay without having to sign for it and you didn't go for it? Why was this kind of decision even made? Signature isn't a safe verification method if compared to pin and you need to show your ID everytime you sign for something in here so it is no use.

    Couldn't you pass up the opinion about the card and it's lack of PIN verification in PoS, could you?

    I just got a message that my card was shipped and came to look if someone has already received their's but a huge disappointment hit me in the face after reading this.

  • vasya_in_da_housevasya_in_da_house Posts: 29Member ✭✭
    agent010 wrote on April 13 2014, 4:23 PM: »

    Are you kidding me? The most important feature with having the chip is to be able to pay without having to sign for it and you didn't go for it? Why was this kind of decision even made? Signature isn't a safe verification method if compared to pin and you need to show your ID everytime you sign for something in here so it is no use.

    Couldn't you pass up the opinion about the card and it's lack of PIN verification in PoS, could you?

    I just got a message that my card was shipped and came to look if someone has already received their's but a huge disappointment hit me in the face after reading this.

     

    +1. The same is here... Just got a message that my card is shipped.. Not sure if I still want this cards unless it "Chip & Pin"... My reply to this  is here: http://community.payoneer.com/index.php?/topic/8728-chip-emv/?p=72395

  • Howard SHoward S Posts: 52Member ✭✭

    Hello,

     

    I'm wondering the same thing, I received a message this morning saying my new card has been shipped, I don't use my card to make purchases at POS etc, I just use it to withdraw cash from the ATM, does it mean I can't use the magnetic strip with a pin number to withdraw from an ATM because it is a chip/signature card?

     

    Howard 

  • agent010agent010 Posts: 12Member ✭✭

    image

     

    + In here the ID is mandatory. Pay attention to how many times longer it does take compared to PIN-transaction.

     

    PIN transaction:

    1. Insert the card and enter the pin

    Signature transaction:

    1. Dip the card
    2. Give it to the cashier
    3. Wait for the receipt
    4. Sign for it
    5. Show your ID and wait while the cashier verifies the card, She/he might even ask her/his supervisor for help.

     

  • NissimNissim Head of Community Posts: 4,013Administrator ✭✭✭✭✭✭✭

    We are currently in the process of transitioning to EMV cards, and the first step in that transition is the introduction of our EMV card using "Chip and Signature" technology. Our initial reasoning for transitioning to this technology is for added security, and usage ability. The cards are set up to be accepted in EMV terminals with no person present, so you should not run into a situation in which the card cannot be used at those terminals. If you do, please send me a PM or e-mail and I will have a support representative look into the specific instance.

     

    In regards to ease of use, that feedback is extremely important and has already been passed on to our card issuing department. I assure you that various factors were taken into consideration when choosing which EMV technology the cards would be issued in - that being said, the process of transitioning our entire system from regular swipe cards to EMV is quite extensive and will continue to develop over time.

     

    I do suggest that anyone living in a country that uses EMV technology please post their feedback, even if it's negative feedback. Hearing from our community and receiving your comments is extremely important to us.

    Nissim
    Director of Community at Payoneer
  • Howard SHoward S Posts: 52Member ✭✭

    Hi Nissim,

     

    This card still has a magnetic stripe and pin combo for the ATM right, that is what I mostly care about? 

     

    Howard 

  • NissimNissim Head of Community Posts: 4,013Administrator ✭✭✭✭✭✭✭

    Yes, it still has a stripe and 4-digit PIN and you will be able to use it at the local ATM.

    Nissim
    Director of Community at Payoneer
  • Howard SHoward S Posts: 52Member ✭✭

    Thank you, appreciate it.

     

    Howard 

  • AtholAthol Posts: 5Member
    edited April 2014

    Some feedback from South Africa. Just received the new card with a chip (issued by European bank). I was under the impression that it was going to be a chip-n-PIN card and was quite excited to receive it as I've been subject to fraudulent transactions previously.

     

    With luck, I've read these forums before activating it. South Africa is almost only chip-n-PIN for all cards. Using a chip-n-SIGNATURE card will be cause a great deal of hassle in any shop as no one here has these type of cards. I'm guessing 95% chip-n-pin and 5% signature only is the split. So, I cannot find a reason why I should switch to the new card at present as I am going to be further inconvenienced. Lastly, I noticed that the new card has much higher maintenance fees then my previous card ($30 p.a. vs $12 p.a.).

  • NissimNissim Head of Community Posts: 4,013Administrator ✭✭✭✭✭✭✭

    Thank you for the feedback, @Athol! I have certainly passed it on and we will be considering it as we move along with our new EMV card program.

     

    In regards to annual fees, you may have noticed a difference when compared to the pricing for your current account. This is due to the fact that cards are being sent as part of a separate pilot program, however the first year's annual fee will be refunded for your account. 

     

    Once the card is available for all account holders the pricing will be reverted to your regular account pricing.

    Nissim
    Director of Community at Payoneer
  • AtholAthol Posts: 5Member

    Nissim, many thanks for the reply.

     

    One other observation about the new card. It only shows a 1-800-number for customer queries. There is no telephone number shown for lost or stolen cards.

  • norueganoruega Posts: 13Member ✭✭

    Hi folks - sorry I was on holiday. :) 

     

    Ok - I understand all is as supposed to be, then nothing is wrong with my card. 

     

    Don't know what bank issued the card, it is completely blank except for the Mastercard logo. Hold on, when using a magnifier it sais Wirecard Solutions Ltd in very small print on the back. 

     

    And maybe I was wrong about not being able to use it in some terminals, it works at ATMs and the shops I have tried now. 

     

    As for the signing, it does not ask for the person to note the security code on the back, and up to now nobody asked for any kind of ID from me. Just insert chip, click OK and sign. I can imagine this is not the most secure solution regarding to theft (before I was always asked for PIN), but still as I understand it the chip cannot be copied and that is nice. 

     

    It stil is a hazzle, nobody here in Norway has ever seen that kind of card wihtout a PIN - except for some exotic tourists maybe.

     

    I can imagine it will be a problem buying gas on the automatic pumps that uses CHIP and not manned, we have a lot of those here. Did not try that yet. 

     

    And I did not mean to be negative, at least something is happening. Will try the card some more when I get some more money and see if all is OK. 

  • NissimNissim Head of Community Posts: 4,013Administrator ✭✭✭✭✭✭✭
    edited April 2014
    Athol wrote on April 17 2014, 2:12 PM: »

    South Africa is almost only chip-n-PIN for all cards. Using a chip-n-SIGNATURE card will be cause a great deal of hassle in any shop as no one here has these type of cards. 

     

     

    Hi Athol,

     

    Just to update - please note that the Payoneer EMV card can still be used at EMV terminals. This provides you with added security as the Chip technology helps to prevent the card from being cloned. This works in the same way for "Chip and Signature" as it does for "Chip and PIN." The difference would be having to sign for the purchase, rather than entering a PIN.

     
    You would be able to use the card at EMV terminals that did not previously support your swipe card, or shops that were not accepting it.  In addition, the card should still work at automated EMV terminals (gas stations, vending machine, etc). If you experience any issues using the card at EMV terminals please do let me know (via PM or e-mail at [email protected]).

     

    noruega wrote on April 21 2014, 3:44 PM: »

     

    Don't know what bank issued the card, it is completely blank except for the Mastercard logo. Hold on, when using a magnifier it sais Wirecard Solutions Ltd in very small print on the back. 

     

    The front of the card should be printed with a Payoneer card design, including your name and also the MasterCard logo. The issuing bank is indeed Wirecard Bank.

    Nissim
    Director of Community at Payoneer
  • norueganoruega Posts: 13Member ✭✭

    Yeah it has the Mastercard logo + hologram on bottom right, the card number, expiry date and my name of course. But no logo like before, just a big empty space above the card number. No mention of Payoneer or anything else on the front. No big deal. :)

     

    Will try it at some automatic place lik a gas pump when I get home from travel. 

  • ericopfericopf Posts: 2Member
    There is a huge security flaw on the Payoneer EMV Card.

    I live in Brazil and used my EMV/Chip card for the very first time.

    Absolutely nothing is required besides the card, no signature, no PIN, no nothing. Just insert the card and the transaction goes through on any store. I can't even validate the transaction. If someone gets my card they can use it with no restrictions.

    I sent an e-mail to support but no answer.

    Does somebody can help me with this issue ? Is there anyway we can get a Chip card with PIN like every standard card ?

    Thanks,

    Erico
  • NissimNissim Head of Community Posts: 4,013Administrator ✭✭✭✭✭✭✭
    Hi Erico,

    This is not a security issue with the card. The card is an EMV card, and will require EMV transaction for any terminal that supports it.

    However if the store or terminal does not support EMV, you will still be able to pay via the older "swipe" transaction method. Are you sure this merchant simply did not support EMV?
    Nissim
    Director of Community at Payoneer
  • ericopfericopf Posts: 2Member
    Hi Nissim,

    Thanks for your answer.

    I'm sure merchants support EMV, it's pretty standard here. Simply inserts the payoneer card into the terminal (No swipe) and transactions are accepted automatically.

    Regardless, with or without support, the card can be used without any validation.
  • andr3seliteandr3selite Posts: 1Member
    today 09/07/2015, and still not an answer about why the Payoneer cards in Brazil don't request PIN code in transactions...I have the same issue, in Colombia the card used to work without problems, and after I come here to Brazil, it just now doesn't ask me for the PIN code again....it's a security issue with the card...if some here lost the payoneer card, can say good bye to the funds in the account. (also in Colombia it works as a normal debit card, here in Brazil, only works using it as a credit card, and it has a withdrawal limit of BRL$400 -about usd$120- in ATM's per day) :| :( :'( :o
  • littlebelgianwriterlittlebelgianwriter Posts: 2Member
    Hello,

    I am glad I found this topic. I've got a somewhat reverse problem!
    I very recently received a Payoneer Card without a chip. Living in Europe, I had never seen a credit card without a chip before. When I went to the local shop for groceries the other day, their card reader was not able to read my card, because it did not have a chip.
    For the moment, I am only able to use my card online with sites that do not use the Ogone verification service.
    A lot of European webshops are currently switching to a system that requires creditcard users to use a cardreader and a creditcard with a chip.
  • SivanSivan Posts: 642Administrator ✭✭✭✭✭✭✭
    You can contact our customer support team to see if your account can support EMV cards and order a new once for you: http://www.payoneer.com/ContactUs.aspx

  • AndyBTWAndyBTW Posts: 1Member
    I find that in South Africa the chip and pin Payoneer card can be used without the PIN being requested and with no signature needed.

    Dip the card, no verification, the money is gone.

    For example:
    - filling up with gas at the petrol station, no PIN needed, no signature requested
    - in major grocery chain A, no PIN needed, no signature requested
    But:
    - in major grocery chain B, signature was requested
    - in a small local shop, PIN was requested

    This seems totally inconsistent and extremely worrying. Should the card be stolen - which is always a distinct possibility here - then all will be lost.

    Can someone FROM PAYONEER explain how we can ensure that the PIN is ALWAYS needed before the transaction is accepted?

    Thank you
  • norueganoruega Posts: 13Member ✭✭
    edited December 2015
    Nice to see this topic is still alive. :)

    I feel that Payoneer does not really understand what we are trying to explain: all over the world (except USA maybe), the EMV chip has pin code. And the shops excpect the same.

    My experience after I started this tread 1.5 years ago is still mostly positive.

    - Most shops accept the chip, without any PIN - sometimes they ask for signature, sometimes not. I always have to explain that the card is without PIN, they look at me like I am an alien. This is not normal here - all my other cards (10+) has a PIN. Many times i just put in the card and pay, no pin and no questions asked. Imagine if the card was lost...

    - 2 of 3 gasoline stations deny my card now, just saying "denied at central" or something, I suspect it has to do with the chip/pin problem. Number 3 works. Still.

    - Never had problems in any ATM, both in Norway and Brazil. Withdrew 800 BRL many times. Payoneer even contacted me and asked if I was using the card in Brazil, very positive. And I am always asked for PIN in the ATM's. Might be becuse it is using the swipe stripe? Then it is not secure at all, the stripe can be copied. Just speculations the last one... I am not sure. But if the PIN was at the chip, it would be required in the shops also?


    I still would like PIN on the chip to make it work like all my other cards. But it is OK 99% of the time working like it is and I am happy and can use the card. For now.... :)
  • Adam_PayoneerAdam_Payoneer Posts: 1,109Administrator ✭✭✭✭✭✭✭
    There is only a slight difference between EMV chip cards and magnetic strip cards. The EMV chip cards trumps the magnetic strip by providing an added layer of security of your information. For example, if a skimming device was used to compromise your card details, you can easily protect your card by just switching your PIN code (although if it was me I would just order a new card).

    EMV chip cards are also harder to duplicate because of the amount of information that is stored on the chip. In essence making the card more secure.

    In regards to ATM stations, you will always need to enter your PIN code to withdraw your funds. This is a must and I doubt any bank will try to change this anytime soon. 

    In regards to using your card for only debit purchases and not credit, there aren't many card providers out there that enforce this. In addition, most merchants prefer to just swipe the card as credit as they have grown accustomed too over the years. While in some countries EMV chip is common practice, other countries aren't as quick to act by following the same line of service. 

    While I am not expert to why the United States and other countries are slow to switch to EMV, one can assume that companies don't wish to spend the money on replacing the current systems they have in place, or as I have read on one article back in the day, the merchants are waiting for the card companies to initiate the switch to EMV.

    Happy and willing to answer general questions.

    For any inquiries directly associated to your Payoneer account, please contact Payoneer's Customer Care Support Center.

  • delanicodelanico Posts: 1Member
    I also have the same issue (an european country). At ATM I am being asked for PIN, at menchant store, when using POS the transactions are accepted automatically, not being asked for a PIN, ID and most of the time, not even a signature.
  • Adam_PayoneerAdam_Payoneer Posts: 1,109Administrator ✭✭✭✭✭✭✭
    Even though debit cards have been around for a while, the idea behind a debit charge is mainly when the user wishes to make a cashback withdrawal in addition to the purchase. This is when you are asked to provide a PIN. Additionally, PIN transactions allow a faster transaction process when dealing with prepaid/debit cards. 

    Credit swipes will always be available for all types of cards in order to make quick purchases. This also means that it can take a bit more time for a transaction to be posted on your transaction history. 

    Happy and willing to answer general questions.

    For any inquiries directly associated to your Payoneer account, please contact Payoneer's Customer Care Support Center.

  • norueganoruega Posts: 13Member ✭✭
    You mean swipe, like using the magnet stripe?

    That is not used anymore here in Norway, I always have to insert the card in the chip slot. The magnetic swipe slot is not even present on many of the new terminals.

    Hope you see that I do not mean to be negative! I myself am very happy with the services Payoneer gives, being able to get paid from companies all over the world.

    It just feels (a little bit) awkward being asked why there is no pin on my card, what is wrong with the card, every time the feeling like I am doing something suspisious.

    It makes me use it less than I would if it behaved like a "normal" card over here. Yes, even my DEBIT card from my bank (need balance on the account to be used) has a pin.

    You are surely living in a different world. But to repeat, I am not negative and the Payoneer is accepted virtually everywhere I have tried.

    I am just trying to inform you about the small annoyance it is to sometimes be asked silly questions and the supisious feeling every time the card is used because is not behaving like a "normal" card over here.

    And of course I worry about the security issue if the card is lost... that would be bad! I have bougth stuff like 2 iPhone 6 and an iPad without using pin, any ID and any signing; just insert the card, press ok, pronto.

    Still 90% satisfied. :smile:

    Happy new year!
  • Adam_PayoneerAdam_Payoneer Posts: 1,109Administrator ✭✭✭✭✭✭✭
    noruega said:
    You mean swipe, like using the magnet stripe?

    That is not used anymore here in Norway, I always have to insert the card in the chip slot. The magnetic swipe slot is not even present on many of the new terminals.

    Hope you see that I do not mean to be negative! I myself am very happy with the services Payoneer gives, being able to get paid from companies all over the world.

    It just feels (a little bit) awkward being asked why there is no pin on my card, what is wrong with the card, every time the feeling like I am doing something suspisious.

    It makes me use it less than I would if it behaved like a "normal" card over here. Yes, even my DEBIT card from my bank (need balance on the account to be used) has a pin.

    You are surely living in a different world. But to repeat, I am not negative and the Payoneer is accepted virtually everywhere I have tried.

    I am just trying to inform you about the small annoyance it is to sometimes be asked silly questions and the supisious feeling every time the card is used because is not behaving like a "normal" card over here.

    And of course I worry about the security issue if the card is lost... that would be bad! I have bougth stuff like 2 iPhone 6 and an iPad without using pin, any ID and any signing; just insert the card, press ok, pronto.

    Still 90% satisfied. :smile:

    Happy new year!
    Happy New Years!
    When I say credit swipes, I mean when the merchant charges the card as a credit transaction, regardless if it is a credit or debit card. 
    Any feedback is good feed in regards to these types of questions =)

    While we have made a large transition to EMV chip cards, it is not yet supported by the majority of our services. Some of the websites we work with don't have the option to switch to the chip card yet. We are constantly working on changing this so all our users in the future have the chip option. I recommend you contact our support center as it is possible that you will have the option to receive a chip card to replace your current one.

    If you do, they will replace your card for you for no additional cost. 

    Happy and willing to answer general questions.

    For any inquiries directly associated to your Payoneer account, please contact Payoneer's Customer Care Support Center.

  • fredericfrederic Posts: 2Member
    Hello, I think I have the same issue, but to make the question clear, let me explain: I own a Payoneer card, and a standard credit card from my local bank.
    Basically, when I use it to a merchant using a POS:
    - with my standard credit card, I'm always asked to enter the PIN code
    - using the Payoneer card, sometime I'm asked for a signature, and sometimes nothing!

    Can I do something to be able to protect my card with a PIN code ?
    I think that the current system is unsecure so I avoid to put high amount of money in it...
  • Adam_PayoneerAdam_Payoneer Posts: 1,109Administrator ✭✭✭✭✭✭✭
    frederic said:
    Hello, I think I have the same issue, but to make the question clear, let me explain: I own a Payoneer card, and a standard credit card from my local bank.
    Basically, when I use it to a merchant using a POS:
    - with my standard credit card, I'm always asked to enter the PIN code
    - using the Payoneer card, sometime I'm asked for a signature, and sometimes nothing!

    Can I do something to be able to protect my card with a PIN code ?
    I think that the current system is unsecure so I avoid to put high amount of money in it...
    That decision is associated more with Mastercard and the merchant. Obviously the world is making process in pushing forward to make card usage more secure however unfortuantely it is a slow process and implementing this can cause problems.

    If a merchant supports the use of a debit card than you can opt for the debit transaction for the funds to be deducted, however they always posses the option to run the card as credit should they choose too.

    In addition, online purchases don't require you to put the PIN (that's why you have the CVV), so preventing online transactions or demanding that a transaction can only be done with the use of a PIN is something that at the current day and age we are very far from achieving, especially when dealing with international cards which is what we provide.

    If you have the option to withdraw the money to your bank with Payoneer and your bank card inforces the PIN usage in your country, this would be something I would highly recommend for someone who as security concious as yourself. The benefits of having one less card in your wallet and running all your money through your bank can add a better layer of control, security and management to the money you possess. 

    Happy and willing to answer general questions.

    For any inquiries directly associated to your Payoneer account, please contact Payoneer's Customer Care Support Center.

  • perspecperspec Posts: 11Member ✭✭
    I received my new card to replace old one, before I could withdraw and also swipe in any store, just passing it as credit,

    now I can still withdraw from ATM but it will bounce when swiping because it asks for a pin, only once it allowed me to put the last 4 digits .
    It depends on the store or there's a solution?

    Thanks
  • jpg2502jpg2502 Posts: 8Member
    Have Payoneer still not introduced a proper CHIP AND PIN card?? Its all very well saying 'you can still sign for the transaction' but here in England you can't. Nearly all the retailers now will not accept a signature even with ID! You need to have a pin. This rendors the card useless unless you want to withdraw cash (which I do not want to do with the fees)
    Any idea if there is going to be a chip and pin card available to order??
  • norueganoruega Posts: 13Member ✭✭
    Thankfully it still works in Norway but getting strange looks every time the system asks for signature. Knock wood, not a single transactions has been declined yet. 

    Ended up changing to bank transfer for most of my sponsors, so there is not so much money in the card anymore. Using it online for the most. 

    Payoneer should not forget the psychology in all this, when we get a bad feeling every time we want to use the card it is not good for their brand. 
  • kadrskadrs Posts: 2Member
    Hi , i have a problem with my Payoneer , POS terminal declined with : PIN confguration ERROR .
    Same problem is on SELF-SERVICE gas stations , where no employe who can ask for signature, so card just automaticaly declined. I bet same will be with every self-service pos terminals.

    Information from cheque (PIN configuration error , Declined by POS terminal , ERROR CODE 888 )

    Payoneer , please solve this.
  • BlotechBlotech Posts: 4Member
    Glad I came to see this thread.
    I have one single question,
    I need 4 digits PIN to be able to use the card with ATMs.
    where and how can I get it?
    best regards
    Sam
  • SheedalSheedal Posts: 35Member ✭✭
    edited January 2018

    The 4 digit pin is the secret pin that you can assign to your card and use it in stores and at atm to withdraw money from your Payoneer account or in other words, it's just a password for your ATM card.

    To assign a four-digit pin to your card, just log into your Payoneer account and follow all the instructions.

    OR Read HERE: http://www.payoneerhow.com/payoneer-4-digit-pin/ @Blotech said:

    Glad I came to see this thread.

    I have one single question,

    I need 4 digits PIN to be able to use the card with ATMs.

    where and how can I get it?

    best regards

    Sam

    **Sign UP & Earn $35 BONUS!!!** <3

    >>>(http://tracking.payoneer.com/SHU4 <<<
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