{"id":2359,"date":"2014-05-19T00:00:00","date_gmt":"2014-05-18T22:00:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=2359"},"modified":"2026-08-07T03:17:42","modified_gmt":"2026-08-07T01:17:42","slug":"emv-debit-card-payments-secure","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/emv-debit-card-payments-secure\/","title":{"rendered":"EMV debit card payments are secure"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">Debit card payments in the Netherlands remain secure. Dutch banks are familiar with the University of Cambridge publication \u201cChip and Skim: cloning EMV Cards with the pre-play attack\u201d, which builds on earlier research from 2012. The university describes a complex attack in which card data is collected for later misuse. Media reports incorrectly suggest that this makes EMV debit card payments insecure. Dutch banks already took measures against this attack in 2012.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"725\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2014\/05\/het_nieuwe_pinnen_in_beeld_kl.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Hand holding a Dutch debit card above a payment terminal to make contactless payment (NFC payment) at a PIN terminal.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2014\/05\/het_nieuwe_pinnen_in_beeld_kl.jpg 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2014\/05\/het_nieuwe_pinnen_in_beeld_kl-207x300.jpg 207w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">The attack described by the University of Cambridge depends in part on being able to predict a random number generated by a payment terminal or ATM. If that number cannot be predicted, and is therefore genuinely random, the attack cannot be carried out. The random numbers generated by Dutch terminals cannot be predicted, so this attack cannot succeed in the Netherlands.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Following the earlier publication, Dutch banks carried out an inventory in 2012 to identify payment terminals and ATMs using a weak random number generator. The analysis found that Dutch payment terminals and ATMs did not use weak random number generators.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The university now shows that the attack is easier to carry out in practice if the software of the payment terminal or ATM, or messages in the network, can be manipulated. To support their theory, the researchers refer to terminals that were manipulated in practice, including incidents in the United Kingdom. Additional measures were also taken against this in the Netherlands following the 2012 publication.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neither component of the attack can occur in the Netherlands. Debit card payments remain secure. Banks advise customers to check their statements regularly and to contact their bank if they do not recognise a debit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dutch banks had already taken measures against the EMV \u2018pre-play\u2019 attack described by Cambridge researchers, so debit card payments in the Netherlands remain secure.<\/p>\n","protected":false},"author":5,"featured_media":2361,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[16],"class_list":["post-2359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","btv_subject_tax-card-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>EMV debit card payments are secure - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Lees over de veiligheid van het nieuwe pinnen in Nederland en hoe banken zich voorbereiden op cyberdreigingen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/emv-debit-card-payments-secure\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EMV debit card payments are secure\" \/>\n<meta property=\"og:description\" content=\"Lees over de veiligheid van het nieuwe pinnen in Nederland en hoe banken zich voorbereiden op cyberdreigingen.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/emv-debit-card-payments-secure\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2014-05-18T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-07T01:17:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2014\/05\/het_nieuwe_pinnen_in_beeld_kl.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"725\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/emv-debit-card-payments-secure\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/emv-debit-card-payments-secure\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"EMV debit card payments are secure\",\"datePublished\":\"2014-05-18T22:00:00+00:00\",\"dateModified\":\"2026-08-07T01:17:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/emv-debit-card-payments-secure\\\/\"},\"wordCount\":275,\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/emv-debit-card-payments-secure\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2014\\\/05\\\/het_nieuwe_pinnen_in_beeld_kl.jpg\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/emv-debit-card-payments-secure\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/emv-debit-card-payments-secure\\\/\",\"name\":\"EMV debit card payments are secure - 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