What's better....chip/pin or chip/signature?

[takeshi74]

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@pizza1 wrote:

What's better....chip/pin or chip/signature?

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Better how, specifically?  The word doesn't mean much without qualification.

If the terminal isn't EMV enabled it doesn't really matter.  If the terminal is chip & PIN only then better is pretty obvious.  From a security standpoint chip & PIN has an edge.  From a speed of transaction standpoint mag stripe is faster.

[Anonymous]

Barclays Arrival+ is also a true Chip and PIN card

[nyancat]

Nope, purple, Arrival+ is a chip and signature card.

[Anonymous]

[Anonymous]

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@Anonymous wrote:

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Depends on your definitions, really the priority of sig vs PIN.   Pretty sure if you use Arrival at a store, it will prompt for signature usually.  Now, if it is an unattended tollbooth/ticket machine etc, it might instead ask for a PIN.

But "real" chip&pin, default to PIN first, and drop down to other authentication methods if required by the terminal

[nyancat]

That photo is wrong, purple. Barclay's blog entry acknowledges it as chip and signature which is what it is. They should get sued for false advertising...

[Anonymous]

Well that's really disheartening... I have read people saying they've used it in Europe at unmanned kiosks with no problems though, so that's why I figured it truly was a chip and PIN.

Can you share the link the to post where Barclays says it's chip an signature?

[nyancat]

I am on my phone so can't find a link. It has an offline PIN unlike most cards so it will work at kiosks but that doesn't make it a chip and PIN card. It is programmed to prefer signature when possible, thus it is a chip and signature card. I believe Barclay's blog refers to it as "chip and signature with PIN backup" or something like that.

[lg8302ch]

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@takeshi74 wrote:

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@pizza1 wrote:

What's better....chip/pin or chip/signature?

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Better how, specifically?  The word doesn't mean much without qualification.

If the terminal isn't EMV enabled it doesn't really matter.  If the terminal is chip & PIN only then better is pretty obvious.  From a security standpoint chip & PIN has an edge.  From a speed of transaction standpoint mag stripe is faster.

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not if you count the time the 2 paper slips print....customers signs ...merchants verify the signature   I am much faster in Europe with chip & pin

[Anonymous]

IMO I prefer chip and signature, but only in the US. That's mainly because merchants will get the whole PIN thing wrong.