What is a chip card, and why am I
Chip cards are payment cards that have an embedded chip.
Chip cards offer you advanced security when you use the chip
to pay in store.
Why are chip card transactions more
Chip card transactions offer you advanced security for in
store payments by making every transaction unique. And, your
chip card is more difficult to counterfeit or copy. If the
card data and the one-time code are stolen, the information
cannot be used to create counterfeit cards and commit fraud.
How do I use my chip card?
During the transition to chip, you can swipe your card as
you normally would and follow the prompts. If the terminal
is chip-enabled, it will prompt you to insert it instead. If
you already know your chip card works there, start by
inserting your card. These basic steps will help ensure
Insert your card with the chip toward the terminal,
facing up. Do not remove until prompted.
Provide your signature or PIN as prompted by the
terminal. Some transactions may not require either.
When the terminal says the transaction is complete,
remove your card.
Always remember when you use your chip card to follow the
prompts on the terminal and leave your card inserted until
prompted to remove it.
What is EMV?
Chip cards are based on a global card payment standard
called EMV, currently used in more than 80 countries. There
are more than 2.5 billion chip cards issued across the
Where can I use my chip card?
Anywhere. Your card will have a chip and a magnetic stripe
to accommodate any device.
Can I still pay in store if I don’t
have a chip card?
merchants will continue to accept magnetic stripe card
How do I know if a terminal accepts
the terminal/card reader is chip-enabled, it will prompt you
to insert the card instead of swiping. You can also look
for a slot that is the width of the card near the top or
bottom of the pin pad device.
What does a chip-enabled terminal look like?
Chip-enabled terminals have all of the features you are used
to with a payment terminal, with the addition of a slot to
insert your card. The slot is typically located at the
bottom or the top of the payment terminal.
if the terminal doesn’t accept chip cards?
Cards will still have a magnetic stripe on the back, so even
if a terminal is not yet chip-enabled, you can use your card
as you do today.
When will I be able to use my chip card at all merchant
day, more merchants are becoming chip-enabled to increase
security for in store card transactions, so you will start
to see these
terminals at many of the places you shop today. You will
continue to be able to pay at both chip-enabled and
non-chip-enabled merchants with the same card.
Will anything change during my online purchases?
You will use your chip card for online purchases by
following the same process you do today.
Can I use my chip card outside of the
Chip cards are widely used in international markets and are
accepted in more than 80 countries. Having a chip card will make it easier for
you to make purchases when you travel internationally.