ICYMI - Get Your PIN Wrong 3 Times and You Still Can Shop!

Shane Hewitt and The Nightshift · Aug 21, 2026 · 9m

A man enters the wrong pin at checkout, gets declined, tries again, and on the third failed attempt the terminal lets him through anyway, just sign here. Ritesh Kotak explains exactly how that happens and why most people have no idea their card can be approved this way.

The real cost of that gap doesn't land on the credit card company. It lands on the small business that took the payment in good faith, and Ritesh walks through how a chargeback process built to protect shoppers has quietly turned into a weapon against the people selling to them.

Every login today demands a code, a tap, a…