PIN Bypass is a feature that allows eligible cardholders to skip entering their Personal Identification Number (PIN) when making a debit card payment through a RevPay terminal. This feature can help speed up the patient checkout process.
How PIN Bypass Works
When a customer inserts or presents an eligible debit card, the RevPay terminal may offer the option to skip PIN entry.
The terminal displays Enter PIN, along with instructions for bypassing the PIN if the card and transaction are eligible.
The instructions vary depending on the terminal model:
- Touchscreen terminals: Display an on-screen "or skip with" option accompanied by a checkmark button. The customer can select the indicated button to bypass PIN entry when permitted.
- Keypad terminals: Display "or skip with" alongside a confirmation key symbol. The customer can press the indicated physical key to bypass PIN entry when permitted.
If the customer selects the PIN Bypass option, the transaction continues without PIN verification.
Note: The PIN Bypass option will only appear when it is permitted for that specific transaction.
When Is PIN Bypass Available?
PIN Bypass is enabled for all RevPay merchants. However, this does not mean that every debit card transaction will allow the PIN to be skipped.
The card issuer determines PIN Bypass eligibility on a transaction-by-transaction basis.
Several factors may influence whether PIN entry is required, including:
- Card issuer security policies
- Card type
- Transaction amount
- Fraud prevention measures
- Other issuer-specific requirements
If the terminal does not display an option to skip PIN entry, the card issuer requires PIN verification for that transaction.
RevPay and the payment terminal cannot override the card issuer's PIN requirements.
Important Security Considerations
PIN Bypass can provide a faster checkout experience for eligible transactions. However, PIN verification is an important security measure that helps protect against unauthorized debit card use.
When a customer bypasses PIN entry, responsibility for certain fraud-related chargebacks may shift from the card issuer to the merchant, depending on the circumstances of the transaction.
Merchants should be aware of this potential risk when accepting debit card payments without PIN verification.
Frequently Asked Questions
Why can't I bypass the PIN on every debit card transaction?
Although PIN Bypass is enabled for all RevPay merchants, not every card or transaction is eligible.
If the option to skip PIN entry does not appear, the card issuer requires the customer to enter their PIN. This requirement cannot be overridden by RevPay or the terminal.
Can RevPay enable PIN Bypass for a specific transaction?
No. PIN Bypass is already enabled for RevPay merchants, but eligibility for an individual transaction is determined by the card issuer.
RevPay cannot force the PIN Bypass option to appear when the issuer requires PIN verification.
What happens if the customer skips PIN entry?
If PIN Bypass is available and the customer selects it, the transaction continues without PIN verification. The payment must still complete the normal authorization process.
Is the debit card PIN the same as the RevPay terminal PIN?
No. The debit card PIN belongs to the cardholder and is used to verify certain debit transactions.
The RevPay terminal PIN is separate and is used for terminal settings, updates, and certain administrative functions.
For information about your RevPay Terminal PIN, see RevPay - Terminal PIN.