Apart from cutting plastic card fraud, the chip and PIN system offers many other benefits for those who accept payment cards. Administration costs can be cut, and over time, as staff and customers get used to the new system, it should be quicker than signing so queue times could be cut. And the sophistication of chip cards also means they can support add-on services such as retailer loyalty schemes.

This section provides information and guidance to help you with chip and PIN, whether you use your own terminals or ones provided by your bank.