Many customers, unfamiliar with the differences, select “Visa Debit” since they know they’re using a Visa card. For example, if a customer inserts their Visa debit card, the screen may show a choice of “US Debit” or “Visa Debit.” What it is really asking is “common AID” or “global AID.” The Customer Did Not Choose the Common AIDĮarly on in the US’s switch to chip cards, customers inserting their chip debit card into a terminal sometimes saw a screen asking them to select between two options, one labeled “US” and one labeled with the credit card company name, such as MasterCard or Visa. However, if you have an older or uncommon machine, it’s worth checking with the manufacturer to find out if your terminal supports common AID.ĭebit transactions utilize the “common AID” while credit transactions utilize the “global AID.” Some terminals give customers the choice of common or global AID. Most terminals have the common AID, which means that this is not likely the issue with your machine. The “common AID” (short for “application identifier”) communicates with the chip card and allows PIN debit transactions to take place.
My new EMV terminal doesn’t require a PIN for debit – what’s the issue? As of 2023, there are no cost differences for accepting a chip debit card vs. The two main types of debit are still PIN debit and signature debit. It still requires entering a PIN or signing for a transaction.ĮMV debit is not a new or separate category of debit card – it’s simply debit cards with a chip for increased security. Using an EMV debit card will deduct funds from a bank account. EMV debit cards function the same as previous magnetic stripe debit cards. The Other Side – Required PINs and PIN Entry Bypassįirst, let’s clear up some confusion about EMV debit and PIN debit.Why can’t customers get cash back with a chip debit card?.The Terminal Does Not Have Proper Injection.The Customer Did Not Choose the Common AID.My new EMV terminal doesn’t require a PIN for debit – what’s the issue?.It’s important to know when a customer will be prompted for a PIN. You may pay more for one or the other, depending on the amount of the transaction and other factors. PIN debit and signature debit transactions have different fee structures.
Why does this matter, and what can you do about it? With EMV chip cards, some customers aren’t prompted for PINs when entering their debit cards, with the machine instead defaulting to signature debit.
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