What happens when you enter the wrong PIN when paying for something?

bwana

bwana

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I went to settle up with my mechanic today and entered the wrong PIN on the card machine, as I was searching for the correct one in LastPass, the transaction went through and was approved by the bank.

Online it shows the transaction as "pending" which is par for the course.

What happened here? :confused:
 
Dunno. Could be that the PIN wasn't required? I was at a Game store where they just swiped without me having to enter the pin.
 
bwana said:
I went to settle up with my mechanic today and entered the wrong PIN on the card machine, as I was searching for the correct one in LastPass, the transaction went through and was approved by the bank.

Online it shows the transaction as "pending" which is par for the course.

What happened here? :confused:
Click to expand...

That's really odd.
I'd query it with your bank.
 
Ninja'd said:
Dunno. Could be that the PIN wasn't required? I was at a Game store where they just swiped without me having to enter the pin.
Click to expand...

Probably Tap-and-Go payment which doesn't require a PIN
 
How do you know you've entered the wrong PIN? Did the EFT pinpad show it as error?
 
Yea very odd, it usually gives you three go's
.
Is it a foreign card?
 
If processed as a credit card surely it would fail because that type of facility doesn't exist on that card. Why would a CC not require a pin (as u describe)
 
Defib said:
If processed as a credit card surely it would fail because that type of facility doesn't exist on that card. Why would a CC not require a pin (as u describe)
Click to expand...

A swiped credit card doesn't need a pin, it needs a signature.
Terminal shouldn't have accepted it as a swipe though, it should have requested the merchant to use the chip.
 
Yes I agree because why have the chip then. The terminal should not allow swipes for security
 
Sinbad said:
A swiped credit card doesn't need a pin, it needs a signature.
Terminal shouldn't have accepted it as a swipe though, it should have requested the merchant to use the chip.
Click to expand...

It wasn't swiped.
 
So you entered the PIN. It showed an error.... then suddenly started printing the slips?

What does the slip show? Any "verified by pin" wording? What terminal did they use?
 
bwana said:
I went to settle up with my mechanic today and entered the wrong PIN on the card machine, as I was searching for the correct one in LastPass, the transaction went through and was approved by the bank.

Online it shows the transaction as "pending" which is par for the course.

What happened here? :confused:
Click to expand...

was this a chip card? did they swipe ?

Sounds like they swiped it and by default it asks for the pin.... but is meaningless unless its online (1 in 10 or amount is over house limit)
 
Defib said:
If processed as a credit card surely it would fail because that type of facility doesn't exist on that card. Why would a CC not require a pin (as u describe)
Click to expand...
bwana, being a yank, likely has a US card which and according to a quick Google the US banks don't really like the cihps
 
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