Card + PIN flow
User inserts card, enters PIN. ATM builds an ISO 8583 message: card number + encrypted PIN + amount + ATM ID.
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Card + PIN flow
User inserts card, enters PIN. ATM builds an ISO 8583 message: card number + encrypted PIN + amount + ATM ID.
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Switch routes to issuer
Message routed by BIN (first 6 digits) to your bank's authorization service. In India: NPCI switch. Internationally: Visa/Mastercard.