Implementing EMV at the ATM: PIN Change at the ATM

Publication Date: March 2015

Many U.S. issuers and acquirers currently do not offer PIN change at the ATM, and industry stakeholders often ask if an EMV migration project is a good time to implement this service to offer added convenience to cardholders. The EMV Migration Forum ATM Working Committee white paper, Implementing EMV at the ATM: PIN Change at the ATM, provides guidance for ATM owners and issuers who are contemplating implementing PIN change at the ATM as part of, or subsequent to, their U.S. EMV migration.

It is important for ATM owners and issuers to understand how this service functions in the magnetic stripe world today, and what should be considered when deciding if, where, when and how to offer PIN change at the ATM when implementing EMV chip technology. This white paper answers these key questions and provides guidance through the decision and implementation of PIN change at the ATM.

While PIN change at the ATM is not mandated by any of the payment networks, it provides cardholders with the convenience of self-service, and it is important that all stakeholders consider how important it is for the consumer to have a consistent and positive experience. This service also provides a convenient way for an issuer to deliver PIN change and PIN unblock issuer scripts to a chip card.

The white paper also covers other major considerations, including:

  • PIN change in the magnetic stripe and EMV environments: where PIN change can be offered; PIN change transaction flow; cardholder verification methods (CVMs); offline PIN management; comparison of flow between magnetic stripe and chip transactions; managing offline PIN within the chip; unblocking the offline PIN
  • Current global payment network offerings supporting PIN change: American Express; Discover; MasterCard; Visa
  • Key decisions and additional considerations for ATM owners and issuers: PIN change at the ATM: yes or no; card and terminal technology; tracking bad PIN tries; special scenarios


This document has been prepared by the EMV Migration Forum ATM Working Committee. The recommendations, suggestions and other guidance and information provided in this document represent the general consensus of the members of the Working Committee, following extensive research and discussion, and are provided solely as a general guide for the convenience of interested ATM industry constituents.


In the ATM context, and generally, implementation of EMV ultimately depends on the specific circumstances, environment and business needs of those involved. Prior to implementing EMV, it is therefore assumed (and the EMV Migration Forum strongly encourages and recommends) that implementers will independently and thoughtfully (i) assess their respective environments, requirements, challenges, preferences, business needs and related matters, and how the foregoing may impact their specific EMV implementation(s), (ii) consider the recommendations provided in this document, and (iii) consult with appropriate acquirers, issuers, processors, vendors and payment network partners, and obtain the support and guidance of experienced and qualified professionals where appropriate.

About the EMV Migration Forum

The EMV Migration Forum is a cross-industry body focused on supporting the EMV chip implementation steps required for global and regional payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to chip technology in the United States. For more information on the EMV Migration Forum, please visit


Michael Smith
Montner Tech PR
[email protected]