A PDQ machine is simply a device used to process credit card and debit card transactions. Most consumers have seen them many times at both major retailers and smaller stores. It is likely the most common way to process credit card and debit card transactions at a retail business.
The popularity of PDQ machines has skyrocketed in the past decade. They started to appear in national retail chains and have since grown to nearly every other type of retail business. In most cases, consumers themselves can swipe their cards through and handle the transaction without ever giving their cards to a store employee. PDQ machines are generally not much larger than an individual’s hand. Some are handheld and some are mounted to a piece of furniture or other equipment.
Our entire terminal range will operate on your local telephone landline, broadband router or over a GPRS or GSM signal. All our Ingenico terminals have coloured screens and contactless capabilities as standard. It goes without saying that they all have the highest level of PCI PED security built in.
Chip & Pin Machines
Until the introduction of Chip and PIN Machines, all face-to-face credit or debit card transactions used a magnetic stripe or mechanical imprint to read and record account data, and a signature for verification.
Under this system, the customer hands their card to the clerk at the point of sale, who either “swipes” the card through a magnetic reader or makes an imprint from the raised text of the card. In the former case, the account details are verified and a slip for the customer to sign is printed. In the case of a mechanical imprint, the transaction details are filled in and the customer signs the imprinted slip. In either case, the clerk verifies that the signature matches that on the back of the card to authenticate the transaction.
This system has proved reasonably effective, but has a number of security flaws, including the ability to steal a card in the post, or to learn to forge the signature on the card. More recently, technology has become available on the black market for both reading and writing the magnetic stripes, allowing cards to be easily cloned and used without the owner’s knowledge.
How It Works
To solve this, banks and retailers are replacing traditional magnetic stripe equipment with smartcard technology, where credit and debit cards contain an embedded microchip and are authenticated automatically using a personal identification number (PIN). When a customer wishes to pay for goods using this system, the card is placed into a “Point of Sale” terminal or a modified swipe-card reader, which accesses the chip on the card. Once the card has been verified as authentic, the customer enters a 4-digit PIN, which is submitted to the chip on the smartcard; if the two match, the chip tells the terminal the PIN was correct, otherwise it informs it the PIN was incorrect.
France has cut card fraud by more than 80%. Chip and PIN is the name given to the initiative in the UK, where card fraud has also been dramatically reduced.
Active Payments Chip & Pin Machines
All of our chip & pin machines are fitted with the very latest security software to help prevent card fraud. All our terminals provide the following features:
– Chip & Pin technology on all terminal
– Address Verification & CVC protection for all CNP transactions
– Latest PCI Compliance software
– Magnetic readers for when Chip & Pin cannot be used