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EMV Chip Technology

What’s an EMV chip card?

We all use our debit and credit cards for shopping, eating out and buying groceries. Soon you can do so with the added security benefits of an EMV chip card. The new cards are nearly impossible to counterfeit, and travel will be even easier in more than 130 countries where chip cards are already used. EMV chip cards do everything magnetic stripe cards do but even more securely; plus, you are still protected from fraud by Visa’s Zero Liability policy*.

How It Works

Smarter Technology

Computer Microchip. A computer chip securely stores the card data that currently resides on the
magnetic stripe. This makes it nearly impossible for a criminal to create a counterfeit EMV chip card.

Unique Cryptogram. The computer chip enables more secure processing by producing a one-time use code for each transaction.

Mobile Shopping. EMV technology will also enable a one-time use code for mobile transactions and support other security innovations like tokenization.

Used Worldwide

130+ Countries. There are approximately 2.4 billion EMV chip cards in circulation and 36.9 million terminals active worldwide, ensuring you can use your account conveniently wherever you travel.

Added Security

Difficult to Counterfeit. Because EMV chip cards use cryptograms that are unique to each transaction, stolen chip card data cannot be used to create counterfeit cards.

Less Risk of Fraud. The added layer of security provided by EMV chips makes debit and credit card data much less valuable, decreasing incentive for fraudsters to steal data.

Zero Liability. With EMV chip cards, cardholders are still protected from fraudulent purchases with Visa’s Zero Liability policy*.

How To Use

Insert Card Leave the Card
in the Terminal
Sign the Receipt
or Enter a PIN
Remove Your Card
Instead of swiping, you’ll insert the card into the terminal, chip first, face up. The card must remain in the terminal during the entire transaction. Either sign the receipt or enter your PIN to complete the transaction. When the purchase is complete, remember to take your card with you.

Remember: The chip card still has a magnetic stripe, just in case you need to use it with a traditional terminal.