EMV Chip Card
EMV Chip Cards provide enhanced security and greater fraud protection. Every time you make a purchase at a chip-activated terminal, a unique code is generated. This prevents stolen data from being used fraudulently. The unique code helps eliminate fraudsters creating fake debit cards to use at retailers.
What is a chip card?
A chip card – also known as an EMV card – offers an extra layer of security when you pay. Chip cards can be used anywhere your previous card was used, but the chip functionality only works at a business that has an activated chip-enabled terminal.
The chip generates a unique, one-time code each time you insert your card at a chip-enabled terminal. Your purchase can only be approved with the chip-generated code.
The chip in your card is virtually impossible to duplicate. That means attempts by fraudsters to create and use counterfeit cards will be much harder.
Simply insert your card into the reader instead of swiping and leave your card in the terminal while your transaction is being processed.
Every time you use your card at a chip-activated terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.
Everywhere. Your EMV chip card also has a magnetic stripe on the back, so even at retailers who have not yet upgraded to EMV chip-enabled readers, your card will be accepted.
Yes. If a merchant is not yet chip-activated, you can still swipe your card.
No. Chip card technology is not a locator system. The chip on your card is limited to supporting authentication of card data when you make a purchase.
No. Instead of waving or tapping your card in front of a device as you do with contactless payments, a chip card must be inserted face up into a chip-enabled merchant terminal. Remember to keep your card inserted into the terminal while the transaction is processing.
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