Billions of PIN activated transactions are switched through ATM networks each year. Each of these transactions is originated using a card and Personal Identification Number. With each transaction, the security of the member’s PIN must rely on the security procedures and controls of the various processing entities and the use of certified devices. The most common standard used to evaluate organizations is the Technical Guide TR-39.
A TR-39 audit validates that policies and procedures surrounding PIN encryption and key management are compliant with Visa PIN and/or TR-39 standards. During the audit, noncompliant areas will be identified so corrective actions can be taken to correct issues. In the end, this helps to safeguard debit and ATM PINs that pass through the system to protect your members’ finances and privacy. Finally, failing an audit could impact the credit union’s ability to process debit card transactions and may incur fines.
All financial institutions that own, operate or sponsor ATMs on the PULSE®, STAR®, NYCE®, CO-OP®, Accel/Exchange®, and VISA® Plus® MasterCard® Maestro® networks have certain requirements to complete a TR-39 audit bi-annually—every even numbered year by Dec.31. See below to identify if your credit union needs the audit.
We have staff who are Certified Technical Guideline Auditors (CTGA) and authorized to perform TR-39 PIN Security Audits.
More Information & Pricing
800-442-5762, Ext. 6464
4455 LBJ Freeway
Dallas, Texas 75244-5998
Phone: (469) 385-6400
Toll Free: (800) 442-5762