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What are the requirements for using a Chip and PIN machine?


All Chip and PIN terminals have the ability to process payment from both debit and credit cards. The distinction between debit cards and credit cards lies in the terms of user repayment for transactions rather than in any physical difference between such cards; both have 16-digit numbers and require PIN codes for validation, and as such both can be handled by standard card payment terminals. In essence the transaction charges are worked out differently. Whilst each card provider will offer a unique fee structure, businesses are usually charged a flat fee per transaction for debit cards and a percentage of the overall transaction for a credit card.

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