ATM PIN mandatory for purchase using Debit Card




As per RBI guideline from 1st December, 2013, ATM PIN will be mandatory for purchase using debit card. Prime intention here is to make your debit card transaction more secure.

Earlier we use to give debit card at retail outlet and merchant use to swipe the card to complete the transaction but now additional security layer is introduced you need to enter your PIN to complete the transaction.


Purchase using Debit card – New Process

Debit card purchase

After making purchase you need to handover Debit card to merchant.

Step -1 – The merchant will insert the debit card in to PIN enable POS terminal and enter the amount paid by you.

Step -2 – The POS terminal will ask for ATM PIN.

Step -3 – Enter your ATM PIN on POS machine.

Step- 4 – On completion of transaction merchant will handover transaction slip and debit card to you.

Point to Remember:-

  1. Never disclose your PIN to anyone/merchant.
  2. When you are entering PIN make sure no one able to view/guess it.
  3. Change your Debit card PIN at regular interval.
  4. Keep watch on debit card when you handover it for payment.

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Article by Raviraj

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