Payments using EMV technology is often called "chip and PIN". This is because to use such a card to make a payment at a cash register or point-of-sale terminal, the card first needs to be inserted into a small machine called a "payment terminal" or "PIN pad", with the side where the chip is on facing up and towards the machine. Once the card is inserted, it is left there so that the terminal can read the data stored in the chip. The terminal will often ask the user to confirm the amount of the purchase or refund, choose the account in the case of a debit card, and will then require the user to enter a personal identification number (PIN). This number makes sure nobody other than the owner of the card can use it - if the wrong PIN is entered a certain number of times, the card is locked and cannot be used. Once the correct PIN is entered, the terminal will contact the bank to authorize the transaction. The bank will either "approve" (accept) the transaction, or "decline" (reject) it. Once this happens, the person removes his or her card from the terminal.

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