When you wish to pay for goods, the Najm credit card is placed into a “Point of Sale” terminal, which accesses the chip on the card. Once the card has been verified as authentic, the customer needs to enter a 4-digit PIN, which is sent separately to the customer. If the two match, the chip tells the terminal the PIN was correct and transaction is processed. If the PIN Number is incorrect, the transaction will be declined for correct entry of the PIN number.
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