Tuffclassified

Chip & PIN payments utilize an embedded microchip that functions as a small, secure computer. Unlike a magnetic stripe, which contains static, unencrypted data that can be easily "skimmed" or cloned, the EMV chip performs a dynamic cryptographic handshake during every transaction. It generates a unique, one-time-use code that validates the purchase, ensuring that intercepted data is useless for future fraudulent activities.