ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

EMV & Credit Card Processing

Updated on November 6, 2012

EMV or Chip and PIN?

I am not a person who regularly writes commercial type hubs but since undertaking a job for a credit card processing provider I have learned a lot about new technology and wanted to share some of the interesting facts about merchant services.

In the U.K, we had a type of payment gateway introduced in 2004 called 'Chip and PIN' which is also known as EMV(Europay, Mastercard & Visa) in the United States, it involves a small card terminal which is usually placed on the counter in a store and accepts credit and debit card payments.

Further to it being introduced around a decade ago in the U.K, the government and banks urged retailers through an advertising campaign to switch to this type of card machine because it is a lot more effective at combatting credit card fraud.


Types of PDQ Machine

Above is a regular countertop PDQ machine, it operates by inserting the customers card(chip side down) into the reader at the bottom or sometimes top. The machine then reads what data is stored inside the chip and matches it against the pincode you type on the keypad, if it is correct then it proceeds to contact the card holders bank and transfer the payment to the retailers merchant bank account.

This process is very hard for card thieves to steal information, they have tried one or two different methods but the card holder must also play their part to keep their details private.One practice employed by scammers was to place a hidden camera at ATM machines and record which pincode a person entered,this was accompanied by a second card reader placed over the genuine one and is used to make a clone of your card.

It is important to never keep your pincode in your wallet or close to where your card is kept(i.e stored on cellphone) and always report any suspicious attachments you spot on cash machines. The cloning technique has been widely publicized so citizens have no excuse for being caught out by this trick.

Photo courtesy of markhillary

Wireless Terminal
Wireless Terminal

Card Services

One of the main reasons Chip and PIN technology was developed was because it is also extremely efficient, if you were born in the early 1990's then you probably recall trying to pay for something by the older 'swiping' methods and having to wait because your details couldn't be read on the magnetic strip of your card.

There is hardly ever network downtime on these new PDQ machines and you can be sure that charges to your customer are being sent electronically to your merchant bank account. It is better to contact a merchant services provider online because you have to pay a transaction fee, however, these are a lot cheaper than with your personal bank.

PDQ Machine(Processes Data Quickly)
PDQ Machine(Processes Data Quickly)

Credit Card Machine

The best part about the development of this type of credit card machine is that you can get different types to suit different needs, for example, the above picture shows a 'Bluetooth' portable PDQ machine the reciever plugged into the land-line.

You can also get card terminals which operate via broadband for even quicker connection, mobile devices for deliveries etc and all machines also print off a receipt for your customer.

Photo courtesy of hendry


Submit a Comment

No comments yet.


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)