The Chip and PIN Programme has launched a free Chip and PIN training guide for businesses to help staff deal with day-to-day issues, such as customers who don’t know their PINs, locked PINs, declined transactions, and how to advise customers on entering PINs securely at the point-of-sale. The guide can be downloaded free at http://www.chipandpin.co.uk/ reflib/top_tips_for_staff.pdf