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EMV Chip Credit Cards: A Safer Way to Pay

As you begin your holiday shopping, you may notice that almost everywhere you shop takes “chip” instead of swipe to receive your payment. They’ve been around for a while now, but do you know what these “chips” are and how they work? Check out this short list of Frequently Asked Questions about EMV Chip Credit Cards:
How does EMV chip technology help me?
The chip on your card will generate a unique code every time it’s used at a chip-enabled terminal. This means even if the code is stolen, it cannot be used again to commit a fraudulent transaction.
Are EMV chip cards easy to copy?
Experts claim it is virtually impossible to create a counterfeit EMV card due to the encrypted microchip.
Where are EMV cards accepted?
EMV cards can be used anywhere magnetic stripe cards are accepted. If the terminal is not chip-enabled, the transaction will be processed by swiping your card like you are used to.
How do I use my EMV card at a chip-enabled terminal?
Insert your card “chip first” into the terminal. Follow the prompts on the terminal and wait for the transaction to be processed. Once the transaction is complete and you are prompted to do so by the payment terminal, remove your card. It’s that easy!
Learn More about EMV Chip Card Technology