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Answer for the clue "Method of authorising payment in terms of golf ", 12 letters:
chip and pin

Word definitions for chip and pin in dictionaries

Wiktionary Word definitions in Wiktionary
n. A system for verifying that the bearer of a debit card or credit card is the owner, involving cards that contain a silicon chip storing the PIN of the card; the bearer confirms he is the owner of the card by inserting it into a machine and entering the ...