When a customer chooses to pay for goods with a debit card and enters their PIN (Personal Identification Number) to complete the purchase, that is considered PIN debit.

A PIN debit transaction is essentially a password protected online payment transaction. This processing method authorizes funds over an EFT (Electornic Funds Transfer). It is password protected through the requirement of a 4 digit PIN.

Because the customer using the debit card must know the personal identification number code to initiate the payment, it is much easier for the merchant to avoid fraud. This makes debit using a PIN a very secure method of payment processing.

This method is generally considered more secure due to the the required PIN verification.