The PIN can be used while shopping. Most merchants have a Chip and PIN-ready terminal that they will use to process the transaction. This will be the typical scenario when paying for purchases:
1. Before making the payment, the credit card will be inserted into the card reader or POS(Point of sale) machine.
2. The amount will be entered by the merchant.
3. You will be asked to enter the 4-digit PIN on the card reader. Before doing so, UAB recommends that you check that the correct payment amount entered, and ensure no one is looking at the Pin when the PIN is entered.
4. Once the PIN is accepted, a transaction slip will be printed