CARD SECURITY

CHIP & PIN- Security tips for your safety
 


 

YOUR PIN

  • Activate your card and change your PIN as soon as you receive the new Chip & PIN card.
  • Always remember your PIN. However, do not store PIN number anywhere for safety purposes as this could prove to be a security risk.
  • Do not tell cashier or anyone about your PIN. When keying your PIN at terminal, ensure that no one can see your PIN.
  • You will need your PIN for all purchases using Debit, Credit, Charge & Prepaid Card.
  • Cultivate the habit of using the PIN for a more secured transaction.
  • If you have forgotten your PIN, please contact your card issuer immediately.

 

YOUR CARD

  • Check your cards periodically to make sure none are missing.
  • If you lose your card, please report to the card issuer immediately.
  • If you travel overseas, please check with the issuer if you need to activate your card before you can use it overseas.
  • When you are overseas, you may not need to key in the PIN as at home, or you may not need to sign below certain transaction amounts. 
 



From 1 Jan, 2017, Merchants will no longer need to verify signature for cards issued in Malaysia. Cards issued in Malaysia will have a chip and the cardholder will need to enter 6-digit PIN.


There are a few exceptions when the PIN is not needed:

  • Contactless transactions do not need the PIN and signature, if transaction value is below RM 250.
  • Cards from overseas can be based on signature and without PIN. If the chip or terminal do not work, merchant can do a PIN Bypass and check signature. However, such PIN Bypass should not be encouraged.

Also, please note:

  • Closed-circuit cameras at POS terminals should not record customers' PIN-entry.
  • Chip & PIN card should remain in the chip-reading terminal for the full duration of the transaction process.
  • The cashier must follow the instructions on the terminal and the cardholder must enter their PIN to authenticate the transaction.
  • The cashier must remove the card from terminal when transaction is complete. No signature is required.

MAKING PAYMENTS WITH YOUR NEW CHIP & PIN CARD



 

LIST OF ISSUERS & ACQUIRERS

Hotline numbers of issuers and acquirers (Chip & PIN)

FAQs

Will anything else be different about my new PIN protected card/account?
What about my other cards? Will they be replaced?

Can I change my PIN?

What happens if I forget my PIN?

Do I use my PIN for telephone, mail order or Internet purchases?

How will I know when I have to use a PIN or my signature to pay?

What happens if I enter the wrong PIN?

Will the retailer be able to see my PIN?

What happens if I can’t use a PIN?

I live abroad; will I be issued with a new PIN protected card?

Will I be able to use my new card outside Malaysia?

Will I be able to change my PIN at a cash machine outside Malaysia?


Q: Will anything else be different about my new PIN protected card/account?

A: No, the only difference is that your card will contain a new type of microchip that is PIN protected. This means that you will need to remember your PIN.


Q: What about my other cards? Will they be replaced?

A: Yes, if you have any other cards, they will be replaced with PIN protected cards before they are due to expire.


Q: Can I change my PIN?

A: Yes, please refer to your card issuer on how to change your PIN. Most PINs can be changed at ATMs. For further advice please contact your card issuer.


Q:What happens if I forget my PIN?

A: If you cannot remember your PIN, please contact your card issuer immediately and they will send you a reminder. For further advice please contact your card issuer.


Q: Do I use my PIN for telephone, mail order or Internet purchases?

A: No. In the same way that you do not currently confirm these purchases with a signature you will not use your PIN to confirm these purchases.


Q: How will I know when I have to use a PIN or my signature to pay?

A: If you need to enter your PIN the sales assistant will ask you and will help you through the process. Remember that you should never tell the sales assistant or anyone else your PIN regardless of who they may be.


Q: What happens if I enter the wrong PIN?

A: Like at a cash machine, you have three attempts to enter your PIN correctly. If you enter the wrong PIN three times in a row, even if you go to three separate shops for each attempt, your card will become 'locked' and your transaction cancelled. If your card becomes 'locked', keep hold of it and then contact your issuing bank immediately.


Q: Will the retailer be able to see my PIN?

A: No. The retailer will not be able to see your PIN, either printed or on- screen, but you should still enter it discreetly.


Q:What happens if I can’t use a PIN?

A: If you have a condition, which may restrict your ability to remember or enter a PIN, please contact your card issuer immediately to find out how they can assist you.


Q: I live abroad, will I be issued a new PIN protected card?

A: Yes, if you live outside of Malaysia and own a card issued from a Malaysian card issuer.


Q: Will I be able to use my new card outside Malaysia?

A: Yes. However, as technology currently differs between countries, instead of entering your PIN you may need to sign your name as you do today.