What about PIN?
There are no changes to acceptance of PIN; existing requirements continue to apply for all merchants in the U.S. and
Canada. These changes apply only to obtaining a signature at eligible merchants.
Note: For Visa Debit in the U.S., merchants can continue to promote their preferred verification method. As in the past, where
merchants automatically prompt for a PIN on debit or prepaid transactions, they must minimally ensure that the cardholder
can originate a transaction using an alternative method —e.g., no cardholder verification method [no CVM]. Regardless of the
verification method, U.S. merchants remain free to route domestic debit and prepaid transactions to any network enabled by the
issuer on the card if supported by the merchant. This is true for any cardholder verification method, including PIN and “no CVM.”
Disputes
For transactions on or after 14 April 2018, EMV-enabled merchants in the U.S. and Canada will not be required to fulfill
retrieval requests. However, EMV-enabled merchants will still be responsible for responding to retrieval requests for
transactions prior to 14 April 2018 based on prior existing rules.
Note: Non-EMV-enabled merchants will continue to be responsible for responding to retrieval requests based on today’s rules.
From 13 October 2018, issuers will be prohibited from submitting retrieval requests for transactions at EMV-enabled
terminals in the U.S. and Canada.
EMV Liability
These changes will have no impact on disputes related to the EMV liability shift, including treatment of fallback
transactions.
Note: Merchants that are not enabled for contact EMV will continue to be liable for counterfeit fraud when it occurs on a
chip-enabled card, regardless of whether there is a signature, PIN, or “no CVM.”
For More Information
Please contact your Visa representative.
Merchants and technology partners seeking
resources or support for their EMV plans are
encouraged to engage with Visa. For more
information on Visa’s EMV chip technology
solutions, visit:
https://www.visa.com/chip/personal/
security/chip-technology/index.jsp
1
Including merchants located in the U.S. Territories of American Samoa, Guam, Commonwealth of the Northern Mariana Islands, Puerto Rico, US
Minor Outlying Islands, or US Virgin Islands.
2
This applies to Visa requirements only. Merchants should use their own discretion about whether they should capture signatures or keep
receipts for non-Visa related requirements.
3
Including, but not limited to, contactless or contact chip, magnetic stripe, fallback, or key-entered transactions.
4
For example, merchants with limited refund policies, those in the travel industry, or those that accept tips.