"Owain" wrote in message
. ..
John Rumm wrote:
Yup even with chip and pin. The thing that changes with chip and pin is
the retailers liability for fraud. It used to be the case they were to an
extent protected from fraud carried out by the customers. If they offer
C&P then this is still the case (even if the customer elects not to use
it), however if the do not offer it and the customer commits fraud then
the retailer would be liable not the merchant account company.

What also changes is the *customer's* (i.e. you the cardholder) liability
for fraud.

That's what I've understood too.

If a transaction is made with your PIN then you are deemed to have
authorised the transaction unless *you* can prove otherwise. And even if
you and your card were in a different country at the time how do you prove
you did not permit someone to clone your card and use your PIN?

Are you allowed topermit someone to do that?

I have one chip-and-pin card and so far have refused to use the PIN. If
the retailer won't accept the signature (hasn't happened yet) they lose
the sale.

It isn't compulsory yet. Some people believe that it won't be enforceable.

Mary

Owain