If an EMV payment terminal offers offline authorization (e.g. because connectivity is poor), will chip and PIN transactions be processed using offline PIN validation?

It doesn't make sense to me for online PIN validation to be used, since it means any PIN would be accepted at the moment of (offline) authorization. I'm assuming the card and the terminal negotiate offline PIN validation or signature (depending upon card and terminal capabilities), but was hoping someone can confirm?


Generally true. It depends of Cardholder Verification Method (CVM) List of terminal and card. Offline pin would perform if both support offline pin and if it has highest priority in CVM lists.

| improve this answer | |
  • To elaborate, as the answer states, it depends on the CVM configuration of both card and terminal - the card and the terminal can negotiate offline PIN validation or signature (and that would be a reasonable and popular configuration), but it might also be the case that they are configured to e.g. allow a transaction without PIN or deny the transaction if online isn't possible. – Peteris Jan 12 '17 at 14:42
  • Is offline authorisation and online PIN validation a valid combination? – Duncan Jones Jan 12 '17 at 18:32
  • It seems yes. Why not ? – Alexander Vgn Jan 16 '17 at 8:27
  • @AlexanderVgn It seems an odd combination. It implies that at the moment of sale, any PIN would be accepted, since the terminal cannot send the encrypted PIN to the issuer for validation. – Duncan Jones Jan 16 '17 at 11:16
  • @Duncan checking PIN and authorization there are two different process. Authorization process depends only on result of PIN validation. If no connection - terminal will check offline PIN on card. There is no any case with "any PIN would be accepted". – Alexander Vgn Jan 16 '17 at 12:14

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.