A new and more secure way to pay —— Chip & PIN UnionPay Cards


Did you know that your payment cards (Credit Card, Debit Card, and Prepaid Card) issued in Malaysia will soon be replaced with PIN entry authentication?

This is an industry-wide initiative in Malaysia to replace signature based payment cards with PIN based cards. Signature based cards will gradually be phased out as payment cards and terminals are upgraded to support PIN authentication. From 1 July 2017 onwards, signature will no longer be accepted when you use your payment card to make a domestic payment.

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What is PIN?

A PIN (Personal Identification Number) is a secured 6-digit code that is either assigned to, or selected by Cardmembers to prove that they are the rightful owner of the payment card. Your PIN must always be kept secret and never written down.

Why is PIN authentication safer than signing?

PIN usage can help to protect against fraud on lost or stolen payment cards, because the payment card and the PIN are required to make a successful payment. This is why you must always keep your PIN secret.

Why do I need to receive a new card to use PIN?

You will be issued with a new payment card because your current payment card does not support PIN authentication for payment. Effective 1 July 2017, all card payments through payment terminals in Malaysia can only be effected via PIN authentication.

How do I obtain a PIN?

Your card issuer should send you a new PIN, or require you to select a new PIN, for your new PIN based payment card. Contact your card issuer for further details.

Can I change my PIN?

Yes. You have to follow the instructions provided by your issuer. Please contact your card issuer for further details.

Can I continue using my signature card after I have received my PIN-enabled card?

No. Your signature based payment card will be disabled once you activate your new PIN based payment card.

Is the PIN I use for making purchases the same as the PIN used at ATMs?

Yes. Each payment card will have only one PIN that can be used for both cash withdrawals at ATMs and purchases at point of sale.

What will happen if I enter the wrong PIN?

You will be allowed several (usually 3, please check with your Bank) attempts before your payment card is blocked due to wrong PIN entry. Limited PIN attempts protect you against the possibility of a criminal using your payment card. If your payment card is being blocked, please contact your card issuer to receive or select a new PIN.

What happens if I forget my PIN?

Before 1 July 2017, signature authentication will still be allowed for your new PIN based payment card if you cannot remember your PIN while transacting at an attended terminal. The retailer can assist you to complete your transaction using signature authentication. After 1 July 2017, you will no longer be allowed to use your payment card at a point of sale terminal in Malaysia if you do not know your PIN. As a security measure, you must enter your PIN at automated fuel dispensers and other unattended terminals if you are prompted for PIN, even prior to 1 July 2017. If you forget your PIN, you will not be able to use your payment card at these unattended terminals. If you forget your PIN, please contact your card issuer as soon as possible to receive or select a new PIN.

Do I need to enter a PIN whenever I use my card in Malaysia?

No, not all transactions at point-of-sale terminals will require PIN:

Low-value contactless transactions do not require PIN.

Transactions performed at a terminal not yet supporting PIN will still use signatures.

Do I need to enter a PIN whenever I use my payment card at a self-service kiosk or terminal in Malaysia?

You must enter your PIN at a self-service kiosk if you are promoted for PIN. If you forget your PIN, you will not be able to use your payment card at self-service kiosk or terminal that supports PIN. For petrol stations, if you do not know your PIN, or if you do not have a PIN enabled payment card at an outdoor self-service pump, you may go to the indoor payment counter for cash payment.

Will I have to enter a PIN when I use my payment card overseas?

If you have received a new PIN enabled payment card and will be travelling overseas, please ensure that you have a PIN for your payment card before leaving Malaysia. Countries that have not migrated to support PIN authentication will still require that you sign on the transaction receipt to verify the transaction. However, because your new payment card supports PIN authentication for purchases, some countries may require transactions to be completed with a PIN instead of a signature. If you do not have a PIN for your payment card, please follow the instructions provided by your card issuer on how to select a PIN, or contact your card issuer for further information.

Malaysia adopts 6 digit PIN. Will there be any problem if I use my PIN-based payment card in other countries that adopt 4 digit PIN?

International Payment card scheme rules require all terminals to accept 4 to 6-digit PIN. You should not have issues using your 6-digit PIN card overseas. However, if you do encounter difficulty in countries that do not comply with the payment card scheme rules, you may request the merchant to allow you to complete the transaction by signature verification. For any issues at terminals overseas, please contact your issuing bank for assistance.

How do I keep my PIN secure?

It is very important that you keep your PIN secret so that your payment card is protected against fraud due to lost and stolen card. Ensure that your PIN is not easy to guess by avoiding numbers that can be associated with you such as significant personal dates (e.g. your birthday or anniversary), telephone number, or driver’s license number. Other measures to keep your PIN safe include:

Do not keep a written record of your PIN.

Do not allow another person to see your PIN when you enter it or when it is displayed.

Do not keep your PIN in a form that can be readily identified as a PIN.

Do not disclose your PIN to any other person (including persons in apparent authority, family members or spouse).

Do not negligently or recklessly disclose your PIN

Notify your card issuer immediately if you become aware that your PIN has been divulged to someone else.

Ensure that any supplementary Cardholders who are able to access any of your Card Accounts by a PIN keep their PIN secure as set out above.