Corporate cards with chips finally are coming to the United States en masse. How travel departments should deal with them depends on the circumstances. Chip cards requiring a PIN for authentication are more secure and more widely accepted globally than chip-and-signature cards. But many corporate program managers aren't getting chip-and-PIN from their payment firm.

Payments industry analyst Frank Martien of First Annapolis Consulting said chip-and-signature may be the interim step, with banks ultimately going to chip-and-PIN . . .

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