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"issuer certificate"

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PIN pad device connected to a POS terminal

Merchant & POS

What Is a PIN Pad Device?

A PIN pad lets cardholders safely enter their PIN during POS transactions and lets contactless cards be tapped to transfer card data to the POS. Here is how it works.

Diagram of the chargeback process between cardholder, issuer and acquirer

Chargeback

How to Reduce Chargebacks (For Cardholders)

A chargeback is when a cardholder asks the issuing bank to refund a transaction made without their knowledge. It cannot be prevented entirely, but simple precautions can minimize the risk. Here is how the process works and what cardholders should do.