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The CAP specification supports several authentication methods. The user first inserts their smartcard into the CAP reader and enables it by entering the PIN. A button is then pressed to select the transaction type. Most readers have two or three transaction types available to the user under a variety of names. Some known implementations are:
;Code/identify: Without requiring any further input, the CAP reader interacts with the smartcard to produce a decimal [[one-time password]], which can be used, for example, to log into a banking website.
;Response: This mode implements [[challenge–response authentication]],
;Sign: This mode is an extension of the previous, where not only a random "challenge" value, but also crucial transaction details such as the transferred value, the currency, and recipient's account number have to be typed into the CAP reader.
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