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EMV Chip

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*.

Smarter Technology

A computer chip securely stores the card data that currently resides on the magnetic stripe, making it nearly impossible for a criminal to create a counterfeit EMV chip card. The computer chip also enables more secure processing by producing a one-time use code for each transaction. Additionally, EMV technology will enable a one-time use code for mobile transactions and support other security innovations like tokenization.

Added Security

Because EMV chip cards use cryptograms that are unique to each transaction, stolen chip card data cannot be used to create counterfeit cards. This added layer of security provided by EMV chips makes debit and credit card data much less valuable, decreasing incentive for fraudsters to steal data. Plus, cardholders are still protected from fraudulent purchases with Visa's Zero Liability policy*.

Used Worldwide

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.

1. Insert Card
Instead of swiping, you'll insert the card into the terminal, chip first, face up.

2. Leave the Card in the Terminal
The card must remain in the terminal during the entire transaction.

3. Sign the Receipt
Complete the transaction by signing the receipt.

4. Remove Your Card
When the purchase in 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.

*The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify the issuer promptly of any unauthorized use. Consult your Visa Credit Card Agreement for additional details.