Chip and PIN

 

 

 

 

 

What is Chip and PIN?

 

Chip & PIN technology is an established standard for safety and security for Card transactions.

A Chip and PIN Card not only ensures greater security of Point-of-Sale (POS) Card transactions, but also provides enhanced protection against fraud from lost, stolen and counterfeit Cards.

 

Your PIN is key to authorizing Card transactions and ensuring that your Card remains secure. You will be required to select a PIN of your choice when you recieve a new or replacement Card.

In the case a PIN is not selected by you within the stipulated timeframe, a system generated PIN will be issued.

 

Once your PIN is selected or generated, you can view and change your PIN on your Online Services Account.

 

 

How to use your Chip and PIN Card

chip and pin management

Step 1:

Ensure the merchant inserts your Card into the terminal and keeps it there for the duration of the transaction.

chip and pin success

Step 2:

Key in your 4-digit PIN to authorize the transaction. 

chip and pin receipt

Step 3:

You'll be given a receipt as payment confirmation.

Manage your PIN 

 

You can now Create, View and Change your PIN online. It's simple and easy to do with our guide below. 

 

 

Create PIN
View PIN
Change PIN

 

1. Create PIN

You can create a PIN of your choice by any one of the following methods -

 

Using American Express Online Services 

  • Login or register for American Express Online Services Account
  • Click on the 'Account Management' tab and select the 'Create PIN' option

OR

 

Via the Interactive Voice Response System (IVR) on the American Express helpline no. mentioned on the back of your Card (more information in FAQs).

 

 

2. View PIN 

If you forget your PIN, you can view it online by -

 

Using American Express Online Services

  • Login or register for American Express Online Services Account
  • Click on 'Account Management' tab and click on 'View PIN' option

 

3. Change PIN

You can change your PIN online by - 

 

Using American Express Online Services Account

  • Login or register for American Express Online Services Account
  • Click on the 'Account Management' tab and select the 'Change PIN' option

Please note:

1. You will be asked some security questions, this will likely include verification through a One Time Passcode, follow the journey as prompted on screen.

2. When you change your PIN, you will have to activate the new PIN onto your Card. For this, you will need to use your old PIN one last time at a merchant terminal. Once successful, your new PIN will be automatically updated on your Card for all subsequent transactions.

Note, that if your Card is eligible for cash advances, you can activate your new PIN via an ATM withdrawal. 

 

 

Tips for protecting your PIN

 

    Never share your PIN with anyone,

including family, friends or retailers.

(We'll never ask you for your PIN, 

either.)

 

Don't write your PIN 

down anywhere.

imageshop

Shield your PIN when entering it

at a ATM or shop.

FAQs about Chip and PIN