How do Chip Cards Work?

EMV chip cards are touted as being safer than old-school magnetic stripe cards - but are they really? And how do they work, anyway?
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[@jacobshort9454]

YOUR ACTION FIGURE WAS SENT TWENTY DAYS AGO.

[@BenjiGO]

Lol xD

[@keylor_cr]

haha Gold

[@death00124]

LMFAOOOOO!!!! I wasnt ready for this 😂😂😂😂😂

[@abh037]

You sit on a throne of lies, Jacob

[@jakobshortell]

What are you talking about I sent him the action figure over a year ago.

[@eldaria]

US moves From Magnetic to Chip+Pin, and Europe moves from Chip+Pin to Contactless

[@smasher248]

xD yeah lol, we have had it for a while

[@TalesOfWar]

I much prefer the Apple Pay/Android pay version of contactless, far more secure. You need to verify the transaction with your fingerprint rather than it just working without any kind of checks. Granted it has a limit, but you can go from store to store and use that limit and spend a fair amount of money before the card is locked automatically or after you report it stolen. Apple Pay and Android Pay also don't send your details anywhere. It's literally a yes no response to the bank so the store will never get your card details to then go and lose when they're hacked, ala the Target situation as mentioned in here lol.

[@smasher248]

TalesOfWar UK limit is £30

[@TalesOfWar]

***** That's only on contactless cards that need no verification. Also there's technically no legal limit, it's what the machine is set to take but £30 is the agreed upon amount. If you're using something like Apple Pay or Android Pay then it can be unlimited just like using your card with a PIN, as it's classed as a verified transaction. I've spent way more in M&S using Apple Pay than the £30 limit and I bought my iPhone 7 with it at the Apple Store no problems. It's up to the store to accept the higher transactions or not but more and more are doing it.

[@SECURITEH]

It has a transaction and daily limit over here in the Netherlands and you can also set your own limits if you want. A smartphone can be infected with malware and then abused where I carry my bank card in an RFID secure wallet and only take it out when I need it, not saying that this is better or more secure but I prefer it and I do have the personal believe it is more secure.

[@nowthatscrazy]

wait a second. PIN isn't standard in the states? what???

[@TalesOfWar]

Nope. You can still sign in many places even with a chip card. Kind of defeats the point doesn't it?

[@hiddenTNT]

we've a PIN for mag stripe debit cards for years, but even then you don't have to use it and then there's always the pinless credit cards

[@TalesOfWar]

Jon Rueckert That makes no sense though. The whole point of Chip & PIN is that it stops someone else using your card. if you don't need to use it as it's considered normal not to then how is it any more secure in terms of casual theft etc? The whole roll out over in the US has been an utter clusterfuck of a failure.

[@hiddenTNT]

yea as nice as it is living in the US... sometimes I really wish i was born in Europe or Canada

[@ryand1952]

the states are so backwards compared to everywhere else in the world. its unbelievable

[@swedneck]

wtf you didn't have to enter a pin? I have never heard of that even being a thing in sweden for as long as we've had bank cards..

[@warnematt]

pins didnt exist until chip cards. You would swipe your card, it would process then you sign the receipt. Bank cards did have pins for using the ATM.

[@ChrisD4335]

Tim Stahel we have a pin on bank cards not credit cards usually. Though if you processes your bank card as a credit card you can bypass entering the pin in most cases

[@idiocracy9530]

I have never heard of that before. Before chip cards became the standard ~8/10 years ago when we only had swipe cards, all of them had pin codes too. But, the twist is that for the past 2 years we've been getting wireless cards (does not need to be inserted in machine) that can pay without a pin. However the amount is limited to smaller amounts to avoid abuse.

[@ChristofferOlofsson]

I also reacted on this! (also from Sweden)

[@raywei8472]

In US, credit card don't have a pin only signature, but debit card has a pin

[@vordreller6428]

"in the past few years"? Earliest my grandma recalls chip cards showing up is 1992. In Europe.

[@GREGALBU]

Here in Brazil is been like this since forever too

[@vilmarmoccelin]

Greg Albuquerque I'm 32 years old and NEVER had a Bank or credit card without a chip...

[@warnematt]

First time I saw a chip card reader was probably 5 or 6 years ago

[@laserlemons1577]

He mentioned that he's talking about the US in the beginning of the video. Most other places in the world have been using it for a while.

[@vilmarmoccelin]

But he talk that it's a few years old tech in the rest of the world... But it's a decades old, totally widespread tech...

[@helloworld0911]

Just wait until you get contactless cards in 10 years time!

[@ItsSneakyBeaky]

Ozzy that's what he meant. He was being sarcastic...

[@darrenwoloshyn]

Gary Quan And Canada

[@Axelsypkenssmit]

and everywhere in the world

[@hellterminator]

I hate contactless cards. We went from no security to pretty decent security to meh security.

[@Axelsypkenssmit]

*****​ it's up to €20 per payment and €50 per day. Even if your card gets stolen the damage is not gigantic. It does make buying something small really convenient though, I'm willing to risk a little bit in change for this convenience.

[@Hollytargaryen]

lol, The UK has had 'chip & pin' for a looooong time.

[@dom1310df]

Holly MP And have been compulsory for over 10 years

[@aidenscraft]

we have had it in canada for about a decade now

[@contambrah]

like fish and chips

[@JAnthony419]

We're getting there. The USA hasn't fully adapted to the chip yet. Majority of the stores still swipe. Only major companies like Target and Wal-Mart have converted. Slow Americans.

[@leoouradnik385]

Holly Popsicle ha really?

[@sammymorini9748]

Funny how Target was the Target of this malicious attack...

[@MrKite75]

They were targeted

[@ashgaming8176]

Lol

[@richlaue]

It was one of the paid technicians working on their systems

[@sakiafrfr]

XD

[@doomedpepper8109]

@@richlaue An attacker used Fazio Mechanical Services, an HVAC company, to infiltrate Targets systems (because FMS worked for Target) and then install malware on their point of sale devices to capture and send them the credit card data.

[@AndyP126]

The stupid US decided to go with "Chip and SIGN" instead of "Chip and PIN." We are true idiots here in the US.

[@GothicDragonX]

Chip & Pin on my debit, and Chip Zip code on my credit card followed by an email alert autentication. NYC, USA

[@AtomicBoo]

Chip and pin on debit always and chip, zip code and sign on credit card. Arizona resident here on capital one and chase

[@technocxt]

In Australia we can’t even sign if we wanted to. They phased that out about 2 years ago

[@cancelled_user]

At least you have great cars with big engines and you don't favour diesels over gasoline... like idiots here in the EU do.

[@RenatoLaporte]

I lived a long time in the Netherlands and since the early, mid 2000's all debit transactions are handled with a pin code ( even with the times before the chip) and every transaction require a direct contact with the bank. I was amazed to see that in Germany there are still signature only credit cards and many debit cards supports both systems and many times the preferred system is signature :/ Anyways, the German banking system seams all too inefficient to me, and after living there I understood why so many people still pay by cash, why in the Netherlands many shops will prefer a payment by card.

[@ziggy979]

Your ability to explain difficult technical matters in laypersons terms is stellar. When I am having a tough day or depressing moments, I pull up a video from your site and enjoy the content. I always learn new facts and park my problems.Thanks for the education and the therapy. How much do I owe you? L

[@syedomer7065]

That was possibly the smoothest segue into the sponsor I’ve ever seen on this channel

[@peterknutsen3070]

Are PIN codes on credit/debit cards a new thing in the USA? I've had one since the early 1990s!

[@offbeat4772]

damstachizz I'd prefer to have paper money as opposed to coins, and like having pennies, which really only exist because inflation hasn't totally ruined them yet (even if they cost more to make then their worth). As far as everything else goes, yeah, were behind pretty far lol.

[@3rdGenGuy]

idk what ppl are talking about the USA has had a pin on cards since the 90s. i've been using a Pin # for like 6 years now so did my parents

[@raney150]

No. We have had pins forever. You can circumvent it by running your debit card as credit though.

[@pmcpmc8005]

Pin for debit transactions not for credit. Every other country uses pins for credit with chip cards,

[@yukkitatsu]

People in use too lazy to enter pin and some banks charge for pin transactions

[@gege12372]

Chip and pin has been around for ages what is America doing

[@gege12372]

Samus Knight Well written! It just seems so strange having grown up with chip and pin in the UK for one of the most technologically advanced countries to still rely on chip and pin up to 2015.

[@mjc0961]

Using the superior magnetic strip technology. And we need to go the fuck back to it. Chips suck.

[@mjc0961]

"We're in an age where if something doesn't have you paid and out the door in 2 seconds tops that it's vastly inefficient compared to the old yet vulnerable way." Yes. It is inferior. If they can't make it secure *and* fast, it needs to fuck off so we can go back to something faster. There are already protections in place to protect against fraudulent transactions, so the insanely long wait time added by chip readers isn't worth it. Especially since chip readers are not any more secure than magnetic strips anyway. If I lose my credit card and someone finds it and tries to use it, since it doesn't require a PIN and since nobody checks signatures to see if someone is forging one, it's just as insecure as the magnetic strips were. Literally the only difference between chips and strips is that chips take 3-4 times longer. So yeah, they can piss off until something comes along that's both faster and more secure than magnetic strips. We traded speed for no extra security, and that really sucks.

[@Gambit13091]

That's because America uses chip & sign, not chip and pin. For smaller payments in the UK you can use the NFC contactless payment, otherwise you have to enter a pin (even on credit cards). I've never once been asked to use a magnetic strip at 28. In most other countries Chip&Pin is far more secure than in the US. If people can't wait 10 seconds to input a 4-digit code, then their patience leaves a lot to be desired.

[@Macc_]

@mjc0961 I don't see how busting a pen out and signing a receipt is faster than the 10 literal seconds a chip transaction takes...

[@Weeabooh]

Americans are only getting PINs for their cards now? That's been a thing in Europe for like...forever...

[@JK-gv2bb]

Karuta Yeah,i dont think ive ever used that swipe thingy.

[@jeffrydemeyer5433]

I have a vague memory of my mother using it back when I was in grade school in the late eighties.

[@AshTheFriendlyNeko]

No, we've used PINs for a long time on debit cards. We're now just starting to get chips on our cards though.

[@copuis]

so, as someone that used to work in banking, the joke had been (and one that has been true pretty much forever) is that the US banking system is 20years behind they were still using card impress machines till not that long ago

[@3rdGenGuy]

idk what ppl are talking about the USA has had a pin on cards since the 90s. i've been using a Pin # for like 6 years now so did my parents

[@Un1234l]

Request: Magnets - How do they work?

[@jmwintenn]

scientists still dont really know. they keep finding more weird things magnets "should not" be doing based on what they thought the rules regarding magnets/magnetism. it's gonna take quite some time for them to understand magnets at the same level as other things.

[@hellterminator]

+pop pop You know, you can edit posts.

[@alvinscott2850]

Dumpsclark*on telegram is the man, Dump+pin and l also enjoyed the way he teach me how to carding

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💛💛

[@heyhococo]

Adam ruins Everything (Security), anyone?

[@cockatoo010]

Pls!

[@mikhailgorbachev3721]

heyhococo yep.

[@ejectabsent]

heyhococo mmmmhmm.

[@Dargonhuman]

Cyn, are you Bill from Nostalgia Critic?

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@mark22732]

To me one of the most best changes that came with chip cards was the tap to pay feature. Was hoping to hear about that in this video, or perhaps in an upcoming video

[@Cyber_Akuma]

The US had that before the chip though, I remember all of my cards having that back in 2011, it just never caught on. Funny, how the US didn't implement chips for better security for years, yet the UK got that wireless tap thing recently. They are starting to get re-introduced in US credit cards again with more popularity this time.

[@aLmAnZio]

It's weird how US is lagging behind on this technology, as a scandinavian, I pretty much take it for granted that stores can accept chip. We stoped using magnet years ago, so I was quite surprised when traveling to Germany to find many places not even accepting cards at all. And as many others have stated, we had pin protection on our magnet strips too, and for online shopping from norwegian stores, most use BankID. BankID is basicly double verification using either an app on your phone that is physically linked to your spesific simcard or a dedicated small code generator in order to pay for stuff online. I take all of this pretty much for granted these days, yet Norway is a tiny, tiny country.

[@bones3594]

Lol in Australia we just tap out cards to pay and there normal cards. For like ever now

[@ElNeroDiablo]

PayWave (Visa name at least)... I still normally Chip-and-PIN even if my card and the terminal are PayWave suckers.

[@neckless69]

Most countries have this

[@TechFeedMe]

Only up to $100

[@caustic279]

kezeeeeeeeeeeee I live in a city in England with 172,000 people

[@tonyrulez69]

With NFC? Most of EU has this for years now. Chip card for decades. Didn't know USA and Canada was so behind in this area.

[@Sjobban112a]

You need to do a video on how contactless cards and payments work too. You know, for us not living in the US stone age... :)

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@leroyrobinson265]

The video was very informative! Thanks

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal ✅

[@omarosweekly1982]

Since the use of personal identification numbers, in the Netherlands, the action to pay with you bank account by swiping the magnetic bank card with the use of you code, it was called "pinnen" (verb 'to pin'). derived for the acronym for Personal Identification Number

[@OldManTomJulio]

no ideas left. looks around office. sees a credit card. makes video.

[@otmanehanine6848]

if you are such a genius give them ideas

[@jakesimm5889]

Tom Julio they said they would do this video if people wanted it...

[@SpartanMJO12]

IT'S T E C H N O L O G Y THAT'LL DO

[@RobertOfHill]

I actually intend to send this to a lot of older people. They need this.

[@Joseph1NJ]

Why? No one really cares how technology works, just as long as it does. How many people actually know how light bulbs work?

[@TigerXGame]

Credit Card security is the biggest joke in the world. Signing a receipt as a form of security? Inputting a number that is printed ON THE FUCKING CARD for online purchases?! It's freaking 2016 and having to enter a PIN to use a credit card is completely foreign to the majority of Americans. My banking card has had a two-factor authentication like device for at least 15 years. Whenever I purchase something from a webshop in my country I have to insert my card into the device, enter my PIN, input the code the website gives me, and then input the newly generated code on the website before any transaction can happen. You simply can't purchase anything unless you have my physical card, the card reader and my PIN with you. Unlike a credit card where any random employee can simply write down the information he needs and go on an online shopping spree. How credit cards are still this insecure in this day and age is completely incomprehensible.

[@gabrielandy9272]

if you want companys to make it more secure put laws that protect consumer, in brazil if someone stole you credit card the bank is FORCED to give you the money back unless it can proof you are the one that made the purchase.....

[@creativecontent8347]

Smooth!!! Great sales pitch at the end.

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 😘

[@RogerBarraud]

You guys are Amazeballs!!!! You're pretty much the one-stop shop for getting up to date on new stuff, even for seasoned vet.... er, young guys like me :-)

[@Cestrianvlogger]

In the UK we have a chip and a magnetic strip, but even with a chip criminals are making devices where they are fitted to an ATM for a day or two, one piece of equipment records the cards details (bank account and sort code) and a small camera records the pin numbers, that's why its wise to cover what numbers you are putting in. It isn't as safe as you think

[@TechFeedMe]

This is why I go directly into my bank to make withdraws. A friend of mine had a similar encounter, the criminal took out the $20 left in his bank and luckily he got it sorted straight away.

[@gmerson951]

+cestrianvlogger I'm in the UK. My new debit card has no strip on it.

[@Cestrianvlogger]

Sci-Fi Hooligan Maybe they are phasing them out because my Co-op debit card from the end of 2015 still has the mag strip

[@gmerson951]

cestrianvlogger That's my thinking too. I think it should help defeat ATM skimming, but that is probably null anyway, seeing how fraud seems to be moving towards online identity theft/hacking.

[@gmerson951]

cestrianvlogger Nice bike btw (in your avatar). Scooter Boy myself. Glad it's not the sixties ;)

[@madspacepig]

At what point in time didn't you have to put in your PIN to pay for something? America is weird.

[@davidcox2459]

Mad SpacePig Still don't have to if they're small purchases in places like restaurants XD

[@dirtdirtdirtiest9607]

Mad SpacePig if you run it as credit and didn't set up a pin, you don't need to enter it lol, at my work they need to sign if it's over $25 but that's it Oh and you can run a debit card as credit and just bypass the pin everywhere lol

[@TechFeedMe]

You can use PayWave if your debit or credit card has that feature, allowing you to wave your card over the reader and not having to enter the pin, but only up to a certain limit though ($75 where I live, varying)

[@jmwintenn]

i can go to the grocery store and use my bank card as a visa,long as i dont spend more then $20 i dont have to sign. in the US. bank/debit cards have always required a pin to be used. Credit cards have not had a pin before,now some do.

[@okaro6595]

In Finland there are two major types of cards. If you have regular income and good credit you have a credit/debit card where one each time choose the method. Those who do not have that have online debit card. In that all purchases are verified and a reservation on the balance is made. Newer cards allow contactless purchase without a pin up to €25. Otherwise you use chip and pin. If you cannot for some reason you need to show an ID and sign. I personally think it is stupid to have two functions in a card as you have to choose each time. Often the default action is credit when people typically here use debit. Earlier we had a domestic system that had also pure ATM cards that could not be used at stores at all. It was only in 2010 when the system was abandoned completely.

[@TheUltimateBlooper]

I was actually confused by all the recent articles in the last year or two bashing the "sudden" change to the chip-and-pin cards in the US and the "inconveniences" it causes while here in Europe I've used them since I was a kid :D

[@HARBOstudios]

Nice video! thanks!

[@bretthowarth857]

It's funny as years ago I lived in Canada and chips were used back then and now I'm like wow now usa is finally getting them...what took so long.

[@JujuForTheWin]

In Canada we have been using Contactless payment for a few years, even.

[@emiliatheworst]

ye, whats with the us?

[@JayDieTye]

TRUMP !

[@Acorn_Anomaly]

@Drakilicious Had what exactly? PINs? Or cards with chips? Or both? DEBIT cards have had PINs for a long time in the US, but that's only when they're run through as debit, and doesn't prevent you from running the card as credit and skipping the PIN. This isn't possible with chip-mandatory cards in other countries, where the PIN is used to unlock the chip itself. If you don't have the PIN, you can't use the card. Until the chips came out in the US, CREDIT cards NEVER had PINs. As for cards with chips, it's possible there was _some_ bank issuing them "decades" ago in the US, but until the last couple years, you couldn't use the chip anywhere. There were very, very few places that had upgraded their systems to work with chips, and therefore, the chips were useless and may as well not have existed. Also, most places today in the US still don't require PINs on CREDIT transactions, only DEBIT.

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@Jsfun]

OK I used a card machine about a week ago and it looked kinda shifty (this is in the UK). It worked fine and all but the bit where you insert your card was really quite tight, I had to use some force to get it to be detected and then pulled in, same with removing it. The rubber around the slot (a thin strip on the top and bottom) was also worn and stretched. Do I need to start combing through every damn penny spent on my card...

[@ethanchow7103]

Jamessuperfun I would think a smart criminal would make a bunch of small charges to avoid triggering the theft protection on a credit card

[@michaelyang838]

Jamessuperfun as someone who works in a bank, I recommend you to call and l，l/s your card. A process you normally do when you lose your card or get it stolen. That changes your card number , making whatever they stole useless. Better safe than sorry

[@josephdowning9330]

Loved the sponsor spot transition! It made me laugh out loud

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@ratgrug]

Here in Canada, we have had EMV chip cards for almost 10 years now, and contactless cards have been a staple for a little under 5 years! As a result, contactless terminals are way more prominent here, so Apple Pay and Android Pay is much more useful.

[@samuellloyd4667]

Does this mean LTT will come out with a video on tap cards when America finally gets those

[@isabellaereshki]

the usa has had tap cards if you mean rfid cards for years now and rfid key fobs but they are insanely insecure and not really used by anyone and most places like exxon and wendy's that were in favor of them already phased them out i think.

[@kacper2290]

Wait until they get Apple Pay

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯✅

[@supercakefish]

UK has had chip and pin for a while. It's been that way since I first opened a bank account 8 years ago and I'm sure much longer than that. I can't ever remember a time when there wasn't chip and pin and I'm 24. So US is really behind - I wonder why?

[@jameswalker199]

In the UK I've only once had my card swiped... well, I say once, it was about 6 times throughout the course of one attempted payment as the person at the till seemed bemused by the machine making complaints. It was pretty surreal.

[@KevinUrbainczyk]

Thanks, just waited for that!

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 😘

[@megabo3ed]

So glad we have ideal here for online payments, no card details needed. You just get forwarded to your bank (or their app) and pay the merchant via that. It's supported by all Dutch banks, and requires a pin code to authorize.

[@MaxArceus]

Wow, the US is far far behind it seems. We've had pins and bank cards with chips for literally 2 decades. The past decade the magnetic strip doesn't even work anymore, it's not legal anymore.

[@nielsemilbechnaumann]

well here we can pay with magnetic strip, but half a year ago i had to, because my chip was not readable... It was awkward, because i had never tried using magnetic, now we don't even use chip anymore unless you buy for more than 50 euro. (Denmark)

[@Ryzza5]

Visa/MC/etc could make an app with 2FA code generation when buying stuff online if they really wanted to

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 😍

[@IcarusTECH]

Not been able to find out exactly what info is stored on the card, and we are having a debate on what is (card #, encryption stuff, name, email, etc???) Any idea what is on it? Thanks!

[@armchairphilosopher6880]

You know, this video was very informative, and the bonus of having the ad at the end of the video was very generous for people who don't want to watch the ad. But I watched it anyways even though I'm VERY aware of squarespace's existance. I just want you guys to have those fresh dolans you deserve.

[@Mixa_Lv]

Can someone tell me why the heck is the additional 3-digit CVV number printed on the back of the card? What is it supposed to secure since it's still printed on the card itself? I have always scratched it off and memorized it, so no one can buy anything from the internet just by looking at it, even if I lost the card itself.

[@williamsatterthwaite6063]

Some online store don't even require it, basically, it's a joke

[@okaro6595]

When it is in the card you prove that you have the card. Also it is jsut handy. Scratching it away is not allowed. It could become expensive for you if the cashier picks the card for misuse. Theoretically you could be charged for vandalism for damaging the bank's property. Do you really remember those? I could not remember such numbers that are rarely used.

[@Mixa_Lv]

***** It's just 3 numbers. And no one else really handles my card anymore, you insert the card in the machine yourself and enter the pin.

[@antonioakiki3716]

Okaro X my bank (in sweden) recomends memorizing and scratching away the cvc number for safety

[@brandonheyer3397]

@@williamsatterthwaite6063 name one

[@jacobjericho1]

your action figure is in the post i swear :) all is good

[@CanuckGod]

Still waiting on mine....

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@JohnDCrafton]

All of my cards were replaced with new chip cards this year, but they still have stripes on them. Everywhere I've been since then, they have the new chip readers, but they don't let you use them, you still have to swipe the stripe.

[@winterswarrior2064]

In Canada almost all our Credit Cards, and Debit Cards have an EMV chip, and mag stripe however for most cards (excluding prepaid and giftcards) the mag stripe is disabled.

[@Sitti2300]

I still can't really understand why US banks and credit card companies are so late adopting EMV Chips. Several years ago when I traveled to Europe, a restaurant clerk kept inserting my US chip-less credit card instead of swiping, which of course didn't work. I had to tell her it's a card from America and she needs to swipe it instead of inserting it into a terminal.

[@MrNeocortex]

Sitti2300 The US are lagging behind. We've had chip and pin for over then years in the UK

[@gtb_greedy7208]

ILikeHotCurrys been chip ever since I can remember in the here in U.K (I'm 18)

[@maxbrodnicki9486]

Same in Germany

[@pmcpmc8005]

I think the main reason the US held out so long was costs. Greedy banks here don't want to spend more if they don't have to. It's only because of the recent massive security breach of large business and the outcry for something to be done about it that finally got the ball rolling. It was still done as cheaply as possible though opting for "Chip and Signature" and not the world standard of "Chip and Pin."

[@FelixNielsen]

I can't remember not having a chip or pin. Is this really news the US/Canada?

[@bensemusx]

Felix Nielsen not Canada. We've had chip for a long time and most places are tap. Magnetic is very rare.

[@imadecoy.]

Chip and pin started coming to Canada around 2009. Debit cards have always had pins, but previously the credit cards only needed a signature.

[@FelixNielsen]

Mkay. In Denmark we of course still have the strip, but we don't use it, and as of late, rfid has become all the fashion.

[@FelixNielsen]

I probably got my first credit card around 1999-2000, and I've always had a pin. I think it's a european thing, and as for the chip, I honestly don't remember not having it.

[@fa.h.]

After using google, I found out that Norway started with PIN in the 198x And chip since 2009 But from your name I am guessing you are Swedish?

[@adamwhite1025]

wow this took so long to get over the pond

[@Veriflon88]

Yay! Techquickie in 4k

[@wayge]

idk but im sick and tired of them asking me if i have a chip or not

[@Ryan5259m8]

Chip Cards explained in the time it takes to use one

[@PicoFluffDerg]

insert card>select account>enter pin> done like 5 seconds unless you or the terminal are slow

[@woopygoman]

Visa payWave or MasterCard PayPass or Interac Flash to the rescue!

[@Ryan5259m8]

Halcyon nah most terminals where I live are really slow

[@PicoFluffDerg]

Ryan5259 which is just typical... thats why i added or the terminal i know by experience the shitty tech behind it all

[@gtb_greedy7208]

Ryan5259 card in type pin remove card...

[@STNG17-]

The best greenscreen keying from LMG I've watched so far..

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@Ausiemik27]

I'm actually going back to the just magstrip option, idk about other countries but over here the chips wear out within a couple of months then become tedious to use because you have to try multiple times, fail, then swipe it anyway. Paywave is VERY insecure because anyone who has your card, can just use it, on top of that, people can scan the chips now with devices similar to the paywave readers, so for me, the magstrip is more secure, it doesn't have paywave, it doesn't wear out anyware near as fast, and ya need a pin (paywave only requires a pin for $100+), so it's still the best option for me.

[@kindaboredman4340]

LOL as swiss i feel like some guy from the future whilst watching that video

[@frog382]

1:34 irony

[@LtRiflez]

Ahhh, I get it lmao

[@rishkebab5092]

Aleksandar Friscic ??

[@LtRiflez]

ThisGuy Target's name makes it a literal target for the thieves

[@LtRiflez]

ThisGuy Nah

[@RubenKarp]

We have used chip cards in Norway for as long as I remember. Surprised you didn't have them in the US.

[@BlackieNuff]

I wonder if they will ever make a "home version" of the swipey chip reader thing for credit & debit cards? Connect it to a PC or laptop (like a printer or scanner) and install a special software that interfaces with online marketplace websites. All the same 1-time-only encryption per transaction security, that can read the magnetic strip or the chip. I'm surprised they haven't come up with one yet.

[@Max34557]

US doesn't have NFC cards...? here in holland i can pay contactless with my bank card.

[@Shivanshu217]

Max That's cool, bro

[@nextlifeonearth]

Holland is 2 provinces. You mean The Netherlands, right? You can pay contact-less in a lot of European countries with varying limits. In the UK it's 30 GBP and in the Netherlands 25 EUR.

[@Max34557]

CapnTates yea i mean the netherlands, 25 EUR is the maximum to pay contactless indeed, if you want more you'll have to enter your PIN code.

[@samjoshua192]

I doubt it Canada has contactless payments with debits and credit in addition to chip, US might too

[@OrangeRock]

Does Linus even do anything nowdays?

[@pepeman3099]

collect checks and kick ass. that's about it.

[@Agent57000DM]

He's replaced Bruce Wayne as Batman!

[@Lanceb131]

Rock GamingTV I think he's still on paternity leave from the birth of the new baby.

[@jeremynolastname2011]

Rock GamingTV i think he is still home with his new baby.

[@alanthomas5959]

Rock GamingTV dude, he just had a child. He wrote a crap ton of scripts to prepare for that. He did many things. Just not in videos for a bit.

[@mattitalks6261]

the link about encryption is not in the description. what is the link please

[@ToxLegend]

We in Norway have had both, chip and strip, went away from the strip like 7 years ago and now use chip and PIN, fun fact tho, we have a dummy strip, so if a criminal try to use the strip part of the card somewhere when a card has been classed as stolen or even if you don't even know your card is stolen, police and the clerk will be notified. The person will the be asked for the card to check the photo ID on it and social Sec number attached, any fuzz lines at this point is a straight forward arrest. We're not a police state as in being monitored and asked for ID all the time or anything, just have small easy solutions to "what if" problems that help most people. Thanks to this system a missing card will be just that, a missing card, not missing funds or personal bankrupcy.

[@STarFishUltra]

Potato.

[@DerpDerpDerpDerp]

I'm more affraid of Steam taking my money than scimming

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@0oj4m1t]

Lovin' the analogies

[@da_pikmin_coder8367]

You said exactly what I've been saying, I've always said "what's the point of the chip if it still has the strip?" and everyone else is always like "they wouldn't do it if it was stupid.

[@pranavnachnekar]

WTF you don't need an OTP for online transactions ? I mean even Steam has that.

[@peterknutsen3070]

Pranav Nachnekar OTP?

[@pranavnachnekar]

One Time Password, like the Steam authenticator.

[@MrGGJ7]

steams doesn't have it. it just ask for the card info your info and boom

[@ParagPonkshe]

International transaction me OTP nahi ata bhai. But ICICI Bank has started this facility recently :)

[@pranavnachnekar]

Love Machine referring to the login

[@N....]

Does Luke's hair look different?

[@ClashBerry]

Nicholas Braden I think it's the lighting

[@Joseph1NJ]

Yeah... he showered...

[@CaptainFalcon92]

France here. As far as i can remember, for more than 30yrs, french shops always used only the chip with pin code.

[@Cubie_Nyan]

You guys should do: Techquickie As Fast As Possible

[@Wreighn]

We've had those chip+pin cards since the beginning of time in Serbia :|

[@xpertutorialseo2]

semiconductors as fast as possible

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal ⚓️

[@henriquecosta3031]

I work in the area o id cards and i can tell you that the security of a smartcard is as simple to clone as brute force the pin that secures the acess of memory sectors, the same apply for most of contactless Rfid tags 13.56mhz 125khz and so on the only security you really have is the uid that cant be changed in most new cards sector 1 and 2 in some cases ;)

[@user-ce1cu5my4j]

Brutforce? Aren't they locking up after 3 failed PIN input attempts?

[@russell2952]

You don't need to do a bad imitation of Linus to do a Techquickie video.

[@AndrisInHD]

wtf america didnt have this?? lol wtf

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯✅

[@HP2ViD]

Luke, you seem pale

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@levi799]

Swedish guy here! I have two separate accounts on my bank. Only one with debit card. Most of my money is on the one without a debit card. If something happens with the one with the debit card then the thief won't get much. When money starts running out I just move some over. Also, in most online places that ask for my card number etc they can't access it without being redirected to master card's online page where they ask for my password or my id to identify me (in Sweden we have something called bankid that we can use to identify ourselves online). Some places somehow sometimes don't need this step, but again, I only keep a small amount of money on my debit card.

[@paul5849]

Have you guys ever considered including a website text version of this video in case someone wants to find the information but doesn't want to use all the data a video takes up?

[@FindAllHere]

:)

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💯

[@brandtsmith1287]

@Darkteckh on telegram is a real vendor I can’t believe my eyes that man too real Go on his telegram He sell credit card with high balance💯💯

[@MrVicho57]

How does different camera Focus technologies work, like pdaf, laser or contrast detection

[@erasmuz1]

In a trip to the US recently I was surprised at how backwards point-of-sale systems were in general. I handed over my phone once to pay for goods via Android Pay, and got a very strange look. I was told "we don't do that fancy chip stuff here yet"... I had to explain I didn't want to pay via Chip & Pin, I didn't even want to pay via PayPass/PayWave! Chip & Pin is ubiquitous in Australia but almost unused as contact-less payment methods are also ubiquitous. I learnt my lesson and looked to swipe wherever I could like the good-old-days :-)

[@CanuckGod]

Pretty much the same in Canada... we had to have US customers put the 'chip card' in the terminal first, and then they had to sign the receipt anyway, whereas it was 65/35 for Canadian customers for chip&pin vs Interac Flash (Canadian bank contactless) or PayPass. To be fair, they have a population 9x that of Canada (and even more vs Australia), so stuff takes longer to fully implement, but they really need to join the 21st century...

[@goldenduck7294]

I need more CSF videos, so I don't have to rewatch the old ones as much.

[@Bakagajin555555]

"It wasn't too long ago" is a funny way of saying "20 years". At the shop I work at, we take more NFC/contactless payments nowadays than we do with chip/pin.

[@maddyunderstars3869]

I like how you had a picture from Aus at 2:28

[@nicholasking2131]

All thanks to on @AnthonyHood telegram he help with bitcoin flips and fresh cc and it work I don't no what I will do without you ....you are the real deal 💕💕

[@COPKALA]

chip were added to bank-cards before year 2000 in Germany (but already used on any card in NL by 2003 at least)... in Italy they are standard since (10 years(?))

[@Kennerfull]

These chip cars have been common in brazil since i was a kid (i'm 19 now), i remember the time people started to got these cards wich required a different machine, i believe this started arround 2005.

[@wilfridtaylor]

Does the US have pay wave yet?

[@JHollowayNetwork]

The EMV chip card was the final nail in the coffin for the magnetic stripe cards.

[@okaro6595]

In Finland it is common to add skimmers on ATM. They cannot read the chip but they can read the magnetic stripe when one sues the chip. They also record the PIN with a camera. That information is useless in Finland as on cannot get money with the stripe but they transfer the information into countries where one can do that and make the cards and use them. The use of the pin at the cashier adds a new risk. Someone can look the pin an steal the card and then go to an ATM. It us harder to protect it in the line than at ATM ans the shere number of uses adds to the risk. There is also the sue od responsibility. I the card is copied you are not responsible for the loss. If the card is stolen, you can be. So the move to chip and pin is a move of risk from the bank to the user.

[@silix5144]

so with a similar skimmer method, could contactless pay (Apple Pay, etc.) be just as vulnerable?

[@thany3]

In most of Europe, the magnetic swipe just simply can't be used anymore. And afaik, the magnet strip on our credit/debt cards are actually empty or faux.

[@dingdong9039]

We use a TAN with every online transaction done with a credit card here in germany. You either get it via APP or SMS. Additionally to that there is a secret question you have to answer. Never used my credit card online but it think its rather secure compared to the old days where you had your "pin" on the back of your card...

[@coolcatjk30]

I work for a Point of Sale company that installs, configures, and tests credit card devices. And what I have been taught is all that EMV (chip cards) do, is make it harder to duplicate and make a fraudulent card. And that Point to Point Encryption (P2PE) is what actually is securing your data, with the tokenization, etc. Also skimming devices can be a huge threat, that's why you want credit card devices that encrypt at the swipe, and not somewhere on the backend (data servers, credit card interface servers, etc). That's one of the reasons Target got hit a few years back. And they (credit card readers) need to be inspected from time to time to make sure they haven't been compromised. But nobody actually does that tbh. I mean EMV has already been hacked, this is a never ending cycle of cat and mouse.

[@kishenpankhania363]

I've never seen a card without the chip in the UK, although I have had to use the strip and signing the receipt when the card doesn't work

[@attilarischt2851]

To be fair, I don't remember my mom ever having a magstripe. I mean we still have a stripe on the card, but I don't remember it ever being used for the 10+ years I can recall. Mine even got paypass by default when I got one a few (3) years back.

[@NYGiantsDiEhArD]

How does the chip generate a new code unique to every purchase? Is it electronic via completing a circuit with the machine?

[@unflexian]

A while ago now I heard of a way to attack these one-time-use code systems, I do not remember it's name or how they prevent it in this system, so if anyone knows i would love to fill in that gap. Okay it goes like this: You insert your card to a bad ATM. the ATM saves the one time code you created but doesn't use it, and it displays some sort of error on the screen. You pull your card out and put it back in again, generating another one-time code. The bad ATM uses the first code you gave it, and completes your transaction, while sending the second code, a real unused one time password to your bank account to the attacker. I've heard this in the context of luxury car keyfobs that have a random number generator that's synchronized between the car and keys, and switches to the next number after each use. I'm sure this is prevented somehow, just want to know how.

[@espro436]

It was actually REALLY long ago when we used magnetic stripes. Here in Germany i cant even remember such time without chip.

[@MSEdits_MaxScEditing]

First I thought that this video would be about an integrated graphics chip in a CPU, but anyway nice lesson Luke :)