PIN and Pay
From 1 July 2017, signatures will no longer be accepted when you use your credit or debit card to make a payment in Malaysia. A PIN, or Personal Identification Number, is a secret number used by cardholders to prove they are the genuine owners of their payments cards. PINs for Malaysian cards have six digits. Your PIN must always be kept secret and never written down.
THE BASICS OF PIN & PAY
What is PIN?
A PIN, or Personal Identification Number, is a secret number used by cardholders to prove they are the genuine owners of their payment cards. PINs for Malaysian cards have six digits. Your PIN must always be kept secret and never written down.

Why is a PIN safer than signing?
PIN usage can help protect against fraud when cards are lost or stolen, as the PIN is needed when making a payment. This is why you must always keep your PIN secret.
SETTING UP MY PIN & PAY CARD
Activate your card and set your PIN immediately via Internet banking or Interactive Voice Response (IVR) @ 03-8317 5000.
Step 1: Call 603-8317 5000
Step 2: Select your preferred language
Step 3: Press 1 for "Self Service PIN Selection"
Step 4: Press 1 for "Credit Card PIN Selection" or Press 2 for "Debit Card PIN Selection"
Step 5: Input your 12-digit IC number and date of birth OR Input your phone code and 6-digit telephone PIN
Step 6: Input the One Time Password (OTP) that you receive on your mobile phone
Step 7: Input your last 4-digit card number
Step 8: Input your new 6-digit PIN
Step 9: Confirm your new PIN
Step 10: You will receive SMS upon your successful PIN change
Step 1: Log in to www.ocbc.com.my/internetbanking
Step 2: Select "PIN selection" under the "Customer Service" tab
Step 3: Select Card Type and click "Next"
Step 4: Select a card to change PIN
Step 5: Key in your new PIN and confirm the new PIN
Step 6: Key in the OTP that you receive on your mobile phone
Step 7: You will receive SMS upon your successful PIN change
Step 1: Inform the Teller you would like to choose a new PIN for your Credit Card
Step 2: Enter your new 6-digit PIN code in the PIN Pad

After performing the 1st PIN change, can I still change my PIN?
Yes. You may change your PIN via Internet banking or IVR (03-8317 5000). Alternatively, visit any OCBC branch or ATM for PIN change.

USING MY PIN & PAY CARD
Is the PIN I use for making purchases the same as the PIN used at ATMs?
Yes. Each PIN & Pay card will have only one PIN that can be used for both cash withdrawals at ATMs and purchases at point-of-sale.

What happens if I enter the wrong PIN at an OCBC ATM?
You will be allowed three attempts before your PIN & Pay card is retained. You will have to contact us to get a replacement card if your PIN & Pay Card is being retained. This aims to protect you against the possibility of an unauthorised person using your card.
What happens if I enter the wrong PIN while completing a retail transaction?
Before 1 July 2017, you may still perform a PIN bypass and sign to complete the transaction. From 1 July 2017, you MUST key in your correct PIN in order to complete the transaction. Please note that your card will be temporarily blocked after 3 consecutive wrong PIN entries. Call 03-8317 5000 for help if your credit card is blocked, or walk in to any OCBC branch if your debit card is blocked.

What happens if I forget my PIN?
Before 1 July 2017, if you do not remember your PIN, you can still opt to sign for your transaction with your new PIN & Pay card at an attended terminal.

However, from 1 July 2017, you MUST use your PIN for all your card transactions. If you forget your PIN, please call 03-8317 5000 or log in to www.ocbc.com.my/internetbanking to obtain a fresh PIN after a short verification process.

How will I know when a PIN is required?
All you need to do is follow the instructions on the terminal. The point-of-sale terminal will ask you to key in your PIN if needed. Transactions at terminals that do not support PINs will still be signature-based until 30 June 2017.

What happens if I use my new PIN & Pay card at a terminal not supporting PIN?
In this case, the terminal will process your PIN & Pay card without prompting you to enter the PIN and you must sign to complete your transaction.

Why do I still need to sign the new PIN & Pay card?
This is for verification purposes when you travel to a country without any PIN & Pay terminals. You will also still be able to use it in Malaysia at non-PIN terminals up to 30 June 2017.
Will PIN be used to make card transactions through the Internet or over the telephone?
No. The PIN that you use at point- of-sale terminals or ATMs must never be entered into the Internet or given over the telephone.
Will I have to enter a PIN when I use my card overseas?
Not all overseas point-of-sale terminals use PINs for payments. Where an overseas terminal does not support PIN, then you will need to sign to approve the payment.

What happens if I forget my PIN at point of sale?
For overseas transactions, if you forget your PIN you may still perform a PIN bypass and sign to complete the transaction. But this is allowed only before 1 July 2017. From 1 July 2017, you MUST key in your correct PIN in order to complete the transaction. If you forget your PIN, please call 603-8317 5000 or log in to www.ocbc.com.my/internetbanking to obtain a fresh PIN after a short verification process. Alternatively, please opt for another form of payment, such as cash or another bank’s credit card.

What happens if POS terminal is unable to accept transactions using a 6-digit PIN?
You can choose to bypass your PIN until 30 June 2017. An alternative is to opt for another payment method.

How do I keep my PIN safe?
It is very important that you keep your PIN secret so that you stay protected. Avoid using PINs derived from significant personal dates (e.g. your birthday or anniversary), telephone number, or driver’s license number.
To keep your PIN safe:
  • Do not keep a written record of your PIN;
  • Do not allow another person to see you keying in your PIN during a payment;
  • Do not keep your PIN in a form that can be readily identified as a PIN;
  • Do not disclose your PIN to any other person (including persons in apparent authority, family members or spouse);
  • Be careful not to expose your PIN at all times;
  • Contact us at 03-8317 5000 if you become aware that your PIN has become known to someone else; and
  • Ensure your supplementary cardholders (if any) keep their PINs secure.
What happens when I use my credit or debit card at a self-service pump?
When you use your card at a self-service pump (automated fuel dispenser) at a petrol station, the self-service pump will authorise the fuel transaction before you can start pumping fuel into your vehicle. This is performed by sending a pre-authorisation amount on the payment card to your card issuer.

What is a pre-authorisation amount?
A pre-authorisation amount is a temporary hold of a specific amount from the available balance on the payment card. It is used to verify that the card is active and has sufficient available funds prior to dispensing fuel.

What amount will be pre-authorised on my card when using a self-service pump?
Because the pre-authorisation must happen before the fuel is pumped, the actual amount of fuel pumped is not yet known at the time of the pre-authorisation. The pre-authorisation amount at self-service pumps in Malaysia is set at RM200.

What if the amount of fuel pumped is less than the pre-authorisation amount?
The pre-authorisation amount is not a charge and no funds are debited from the card account; the available balance on the card is only temporarily reduced through the pre-authorisation. Once you have completed pumping the fuel, the actual amount for the fuel dispensed will be sent to your issuing bank. At this point the actual amount will be debited from the card account, and the pre-authorisation amount is cleared. This may take 3–4 business days after the fuel is dispensed and the pre-authorisation generated.

For more information about PIN & PAY, visit one of the following links:
Pin & Pay Video
www.pinandpay.com.my
www.mastercard.com.my/pinandpay