EMV: The future of payments with Mastercard®

What is the EMV standard?

EMV is a standard for globally interoperable, secure payments. The key element of EMV involves including dynamic digital data in every transaction. This makes chip transactions extremely secure and reduces the risk of counterfeit fraud.

When a consumer uses an EMV-enabled device to pay at a chip terminal, the transaction is dynamically authenticated, verified and then authorized. The cardholder can use a PIN (Personal Identification Number) or sign as they do today to verify that the consumer is indeed holding his or her own device.

How does EMV reduce fraud?

In the digital world, payment transactions are getting smarter. And at the heart of these smarter transactions is dynamic authentication, which incorporates unique information in each transaction making it virtually impossible to replicate.

The EMV standard has already been adopted by more than 80 locations where it has significantly reduced counterfeit card fraud, saving hundreds of millions of dollars.

 

 

From 1 Jan, 2017, Merchants will no longer need to verify signature for cards issued in Malaysia. Cards issued in Malaysia will have a chip and the cardholder will need to enter 6-digit PIN.

There are a few exceptions when the PIN is not needed:

  • Contactless transactions do not need the PIN and signature, if transaction value is below RM 250. 
  • Cards from overseas can be based on signature and without PIN. If the chip or terminal do not work, merchant can do a PIN Bypass and check signature. However, such PIN Bypass should not be encouraged. 

Also, please note: 

  • Closed-circuit cameras at POS terminals should not record customers' PIN-entry.
  • Chip & PIN card should remain in the chip-reading terminal for the full duration of the transaction process.
  • The cashier must follow the instructions on the terminal and the cardholder must enter their PIN to authenticate the transaction. 
  • The cashier must remove the card from terminal when transaction is complete. No signature is required. 

Explore how a consumer transaction works

See the three steps a consumer takes at the point of sale

Hotline numbers of issuers and acquirers (chip & PIN)

No. Issuers/Acquirers  Hotline Numbers
1 AEON CREDIT SERVICE
  • 603 2719 9999 (CUSTOMER SERVICE HOTLINE – CARDHOLDERS)
  • 603 2721 8490 (MERCHANT HELPDESK)
  • 603 7956 8166 (TERMINAL SUPPORT HOTLINE)
2 AFFIN BANK BERHAD

ISSUER:

  • 603 55223000 (CONTACT CENTRE)
  • 603 20286364 (CARDS BUSINESS CUSTOMER SERVICE SUPPORT TEAM)

ACQUIRER:

  • 603 6286 5222 (GHL HELPLINE)
  • 1800 882 229 (WIRECARD HELPLINE)
  • 603 2028 6333 (CARDS BUSINESS MERCHANT SUPPORT TEAM) 
3 AGROBANK BERHAD 

CONTACT CENTRE NUMBER:

  • 1300 88 2476
  • 603 2079 0600
4 ALLIANCE BANK BERHAD 603 5516 9988 
5 ALRAJHI BANK BERHAD
  • 1300 82 6000 (DOMESTIC)
  • 603 2332 6000 (INTERNATIONAL)
6 AMBANK BERHAD
  • 603 2178 8888 (CARDHOLDERS)
  • 603 2167 7800 (MERCHANTS)
7 BANK ISLAM MALAYSIA BERHAD 603 2690 0900
8 BANK SIMPANAN NASIONAL
  • 1300 88 1900 (TOLL FREE)
  • 603 2613 1900 (DIRECT LINE)
9 BANK KERJASAMA RAKYAT MALAYSIA 603 2693 6880
10 BANK MUAMALAT MALAYSIA BERHAD 1300 88 8787
11 BANK OF CHINA MALAYSIA BERHAD  603 2059 5566
12 BIGPAY MALAYSIA SDN BHD

BIG PREPAID MASTERCARD:

  • 1300 13 3388 (DOMESTIC)
  • 60(3) 7662 9200 (INTERNATIONAL)

AIRASIA EZPAY PASSPORT:

  • 1300 30 8888 (DOMESTIC)
  • 603 2718 5100 (INTERNATIONAL)
13 CIMB BANK BERHAD 
  • 603 6204 7788 (CARDHOLDERS)
  • 603 6204 7733 (MERCHANTS) 
14 CITIBANK BERHAD
  • 603 2383 0000 (ISSUING-CITIPHONE)
  • 603 6286 5222 (ACQUIRING-CITI MAIN TERMINAL VENDOR-GHL)
15 FINEXUS CARDS SDN BHD 603 8318 3100 
16 FIRST DATA MERCHANT SOLUTIONS 
  • 603 6207 4888
  • 603 9212 0500 (TERMINAL RELATED ISSUES) 
17 HONG LEONG BANK BERHAD
  • 603 7626 8899 (CONTACT CENTRE)
  • 603 2773 0100 (MERCHANT HELPDESK) – OFFICE HOURS
  • 603 9200 8001 (PAYSYS)
  • 603 7956 8166 (CARDBIZ)
  • 25603 9212 7900 (FASSPAY)
  • 603 7843 1633 (DATAPREP)
  • 1800 88 8837 (SENSATION NETWORK) 
18 HSBC BANK BERHAD 

CREDIT/DEBIT CARDS

  • HSBC PREMIER & AMANAH PREMIER (BANKING & CARDS)
    • 1300 88 9393 (DOMESTIC)
    • 603 8321 5222 (INTERNATIONAL) – CREDIT CARD
    • 603 8321 5208 (INTERNATIONAL) – DEBIT CARD
  • HSBC BANK MALAYSIA (BANKING & CARDS)
    • 1300 88 1388 (DOMESTIC)
    • 603 8321 5400 (INTERNATIONAL)
  • HSBC AMANAH (BANKING & CARDS)
    • 1300 80 2626 (DOMESTIC)
    • 603 8321 5200 (INTERNATIONAL)
  • HSBC CREDIT CARD/-i ACTIVATION & CARD PIN HOTLINE (CARDS)
    • 603 8321 8999

COMMERCIAL/BUSINESS CARD

  • HSBC BANK MALAYSIA (BANKING & CARDS)
    • 1300 88 1128 (DOMESTIC)
    • 603 8321 5511 (INTERNATIONAL)
19 INDUSTRIAL AND COMMERCIAL BANK OF CHINA (M) BERHAD
  • 1800 18 5588 (DOMESTIC)
  • 603 2788 1600 (INTERNATIONAL)
20 KUWAIT FINANCE HOUSE 1300 888 534 
21 MANAGEPAY SERVICES SDN BHD  1700 81 6729
22 MALAYAN BANKING BERHAD
  • 1300 88 6688 (CARDHOLDERS)
  • 603 2032 1034 (MERCHANTS) 
23 OCBC BANK BERHAD
  • 603 8317 5000 (CARDHOLDERS)
  • 603 2783 3900 (MERCHANTS) 
24 PUBLIC BANK BERHAD 
  • 603 2176 8000 (CREDIT CARD)
  • 603 2179 5000 (DEBIT CARD)
  • 603 2176 8080/ 603 2176 8111 (MERCHANTS)
25 REVENUE SOLUTION SDN BHD  60 39212 0500
26 RHB BANK BERHAD
  • 603 9206 8118 (CARDHOLDERS)
  • 603 2171 5555/5411/5091 (MERCHANTS)
27 SINOPAY MALAYSIA SDN BHD
  • 603 9226 1060 (OFFICE)
  • 017 3357 778 (HOTLINE)
28 STANDARD CHARTERED BANK BERHAD 
  • 1300 888 888 (DOMESTIC)
  • 603 7711 8888 (INTERNATIONAL) 
29 SYNERGY CARDS SDN BHD 603 5191 2229 
30 UNITED OVERSEAS BANK (M) BERHAD

24 HOUR UOB CALL CENTRE:

  • 603 26128 121 (KUALA LUMPUR)
  • 604 2401 121 (PENANG)
  • 607 2881 121 (JOHOR BAHRU)
  • 6082 287 121 (KUCHING)
  • 6088 477 121 (KOTA KINABALU)

MERCHANT HOTLINE:

  • 603 7787 7218/19 (HELPDESK)
    • MONDAY TO THURSDAY (8.45 AM-5.45 PM)
    • FRIDAY (8.45 AM-4.45 PM)
  • 603 7784 6051 (MERCHANT AUTHORISATION)

TERMINAL HELPDESK:

  • 603 6286 5222 (GHL SYSTEMS BHD)
  • 603 9212 0500/603 9212 0505 (REVENUE HARVEST (M) SDN BHD)
  • 1800 88 2229 (WIRECARD PAYMENT SOLUTIONS (M) SDN BHD) 
31 GLOBAL PAYMENTS SDN BHD  603 7723 6818