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What is a chip card?

  • A chip card has an embedded microchip which can process and safely store data previously held only on the magnetic stripe.
  • The magnetic stripe is still present on chip cards and can be used in retailer terminals that are not chip capable.
  • The advantage of chip over magnetic stripe is improved protection against counterfeit fraud as the chip has advanced information encryption that makes it much harder to copy.

How do I use my chip card?

To use your chip card at retailers that have chip enabled terminals you will be asked to insert the chip card for the duration of the transaction, then you enter your PIN and follow the instructions on the screen. The terminal will tell you when to remove your card.

To use your chip card at retailers that do not have chip enabled terminals you will still be required to swipe your card and then given the option to either enter your PIN or sign the receipt to verify the transactions.

Can I use my chip card without loading a pin?

You will need to have a PIN on your card to verify most POS and ATM transactions within New Zealand, however there are some exceptions. Please refer to the guide below for information on when a PIN is required to verify chip card transactions.
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Can I continue to use my non-chipped magnetic stripe card?

Yes. ATMs and retailer terminals remain fully compatible with both chip and magnetic stripe cards, so your card will continue to work in all the places you currently shop.

Can I use the magnetic stripe if my card has a chip?

Generally a chip card would only be swiped if the terminal weren't chip enabled.

Are chip cards 100% secure?

No card can be guaranteed 100% secure, 100% of the time, but a chip represents an additional layer of security to protect payment information and protect you from fraud. Chip cards employ a range of security features and measures that work together to protect your card.

Will my chip card work in ATMs?

Yes. Your chip card will work as normal in all ATMs, both here and overseas.

PIN security tips

  • Make sure the PIN you select is not your date of birth, any other readily identifiable number or any of the blocks of four digits of the card account number e.g. 4999 or 7700
  • Never write down or disclose your PIN number to anyone, including police, bank staff or family.
  • Take care to prevent others from identifying your PIN when using your card at an ATM or an EFTPOS terminal.

Our services

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CCTV
Point Of Sale


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0800 746 723
© Ecosse Business Systems Ltd | 43B Herekino Street, Whangarei | p: 0800 746 723 

  • Home
  • POINT OF SALE
    • SwiftPOS
    • IdealPOS
    • CASIO POS
    • Touch Screens
    • Scales
    • Peripherals
  • EFTPOS
    • Eftpos Terminals
    • Chip Technology
    • Contactless Cards Info
    • Eftpos Help
    • PC Eftpos
    • Vault
  • CCTV
    • Panasonic Kitsets
    • Hikvision Range
    • Dahua Kitsets
  • CASH REGISTERS
    • Sharp
    • Sam4s
  • ABOUT
    • Our Customers
    • Support
    • Partnerships
  • CONTACT US