Adelaide Bank - Pen or PIN

Currently, when you use your MasterCard, Visa, American Express or Diners Club card to pay for something at a shop you press 'credit', and sign to accept the transaction.

From 4 June 2008, participating shops in Australia will be able to accept a Personal Identification Number (PIN), giving you an alternative. Of course, you can continue to sign as you've always done.

PIN -- a quick, easy way to pay

When you're ready to pay for your goods, check-out staff may ask if you would like to enter a PIN or sign for your purchase.

Check to make sure the amount of the transaction is correct.
Press the CREDIT key.
Enter your PIN on the keypad.
ress the OK/ENTER key.
For your protection, the numbers of the PIN you enter are not displayed on the screen -- you will see asterisks (****) instead.
The screen will show you if the transaction has been approved and you will be issued a receipt.

Frequently Asked Questions

Q:	What is a PIN?
A:	A Personal Identification Number (PIN) is a number either allocated to you directly by the issuer of your card or selected specifically by you and known only by you. The PIN is used as verification for transactions such as cash withdrawals from ATMs. The PIN is also specific to the card.

Q:	Why do we need a PIN?
A:	A PIN is an alternative form of verification. It does not replace signing but offers cardholders a new choice.

Q:	Can I still sign for my payments?
A:	Yes. You still have a choice between signing or entering a PIN.

Q:	I have a PIN on my card already. Do I need a new PIN?
A:	No, you can use your existing PIN.

Q:	What do I need to do if I have forgotten my PIN?
A:	If you have forgotten your PIN, you will need to visit any Adelaide Bank branch or call 13 22 20 to arrange for your PIN to be reissued.

Remember

If you already have a debit or credit card with a PIN, this will not change.

For cardholders with a disability

If you have concerns about using PIN, contact us and we will be happy to discuss this with you. Don't forget, if you used a signature before, you can still use this method to authorise payments.

Keep your PIN a secret

Don't allow anyone else to use your card, PIN or other security information.
Always memorise your PIN. If you need advice on managing your PIN, please call us.
Always take reasonable steps to keep your card safe and your PIN secret.
We will NEVER ask you to disclose your PIN.

For Merchants

Most Australian financial institutions, including Adelaide Bank, are progressively adding the "PIN to validate credit transactions" functionality to their EFTPOS terminals. As you are aware there are many different card types and terminals so PIN may not be available on all cards from day one.

If you experience any problems, or if you have any additional queries about your Merchant Facility
please call 1300 132 741.

Visit penorpin.com.au for more details