I understand a person can contact Visa and add a pin to their card. Which I have not done yet. Two weeks ago I picked up a basket of food and other items at my local Wal Mart, total just over $250usd. Inserted my chipped Visa card, it processed the charge, approved it and the cashier handed me my receipt. No pin required, no signature required and no ID required. Not a very good way to prevent fraud, IMHO