I have an rather unusual Visa debit card issued by a German bank. It has an EMV chip and uses "online chip & pin" and "signature" verification methods (preferred in that order):
- Fail cardholder verification if this CVM is unsuccessful: Enciphered PIN verified online - If terminal supports the CVM
- Fail cardholder verification if this CVM is unsuccessful: Signature (paper) - If terminal supports the CVM
- Fail cardholder verification if this CVM is unsuccessful: No CVM Required - Always
In Germany, I can pay with my PIN but in France and the UK I always needed to sign a receipt (causing confusion with all cashiers) – as far as I know terminals in those countries only support offline but not online PIN verification. I once used the card on a UK ticket machine and it sold me a ticket without needing any PIN or signature.
Does anyone know how this works in Sweden? They seem to use offline PIN, too. From what I gathered using the card at staffed counters is fine but I'm unsure about automatic machines.
Has anyone any insight on this? I think US "chip & signature" cards work similarly.