EMV cards are smart payment cards (also called chip cards or IC cards) which store data on integrated circuits rather than magnetic stripes. This creates dynamic data every time you make a transaction, making it nearly impossible for fraudsters to duplicate or clone your card. EMV cards are also capable of storing loyalty program information, allowing you to earn or redeem loyalty points at participating merchants.
This feature provides you with security protection on your everyday purchases. Find out more about consumer safety and security.
Safety tips to keep your card safe:
Your card’s EMV chip adds another layer of security to every payment you make. But there are a few important things you can do to help keep your card secure too.
- Sign your new cards as soon as you receive them.
- Refrain from sharing confidential information like account information and PIN.
- Every now and then, check to make sure none of your cards are missing.
- Look through your bank and card statements when you receive them. Spot any transactions you’re not familiar with.
- If you think there's been suspicious activity in your account, alert your bank immediately.
How will you know if you have a chip card?
A chip card has a microchip embedded on the front as shown on the card on the left.
Chip technology on your card may vary by card issuer. Please refer to your issuing financial institution for more details.
How do I use my Mastercard chip card
at a chip-enabled terminal?
- Insert your card "chip first" into the chip-enabled reader on the terminal
- Leave the card in the terminal and follow the prompts on the screen
- Remove the card when the terminal indicates that the transaction is complete
You may also swipe your card to pay if the merchant’s terminal is not yet chip-enabled.