Search code examples
credit-cardemv

EMV card online PIN verification


Are there EMV cards, which do not support online PIN verification? Or all EMV cards support both online and offline PIN and terminal decides which to use?

Thanks in advance.


Solution

  • Pure EMV Cards (i.e. the ones conforming only to the EMV Specifications -- no VISA,MC...) do not need to support any cardholder verification at all.

    Whether they do is specified in bit 'b5' of the first byte of AIP (Application Interchange Profile).

    See the chapter 10.5 of the EMV Book 3.

    The configuration of the card is up to the issuer.