A Chip and PIN machine is simply a card terminal that allows customers to pay by inserting their credit or debit card and entering their Personal Identification Number (PIN) on the keypad. This allows for secure and speedy payment transactions. You might also hear a Chip and PIN machine referred to as a card reader, card machine, or PDQ machine.
The Clover family of card readers provide dynamic POS payment solutions and are the preferred choice for thousands of small business owners all over the UK. No matter how your business operates, Clover Station Pro, Clover Mini and Clover Flex are the ultimate in payment processing technology.
Why take card payments?
As we edge closer to a completely cashless society, accepting card payments can be key to growth and success for small businesses. Having the ability to take card payments allows you to:
Clover Chip and PIN machines feature NFC technology, giving your customers more ways to pay, accepting contactless card payments as well as payments from mobile wallets such as Google Pay or Apple Pay
Receive regular cloud-based software updates for free and keep things running smoothly and securely. What’s more, experience and enjoy a range of handy apps to help keep your business booming
Boost your business with insights and in-depth reports that provide real-time sales and revenue data. Plus, benefit from detailed analysis regarding customer trends and best-selling inventory
Gain access to our exceptional UK-based support team of experts, who can help you with everything from setting up your Clover Chip and PIN machine, to ongoing technical support and troubleshooting
Compare our Clover Chip and PIN machines and discover the perfect card terminal and POS solution for your business.
First, a customer inserts their credit or debit card into the Chip and PIN machine and enters their 4-digit PIN (Personal Identification Number) on the terminal’s keypad. This allows the machine to read the information stored on the card’s computer chip in order to securely process the transaction.
Most modern Chip and PIN machines not only allow customers to insert their card and PIN to process a payment, but they are also equipped with NFC technology, allowing customers to make contactless payments instead if they prefer.
A Chip and PIN machine can also be called a card terminal, card machine, PDQ machine, or card reader.
Chip and PIN is a payment processing option. The ‘chip’ part refers to the computer chip contained in the customer’s credit or debit card which stores the relevant payment processing information linked to the card holder’s account. The ‘PIN’ part is an acronym that stands for ‘Personal Identification Number’. Interestingly, this means that when people say “PIN number”, they are effectively repeating the ‘number’ part.
A Chip and PIN transaction is arguably more secure than the somewhat dated “swipe and sign” magnetic stripe payment processing option. This is because the information is more securely stored and therefore less likely to be subject to fraudulent activity.