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Chip Cards

Enhanced security for your debit and credit cards.

We take your security seriously and are now offering an easy and new way to help you protect yourself from fraud.

What are chip cards?

A chip card also called a smart card or an EMV card is a debit or credit card embedded with a microchip that adds an additional layer of fraud protection during point-of-sale transactions.

What does a chip card look like?

Chip cards look and operate the same as any other debit or credit card. A small, metallic square is simply embedded somewhere on the card.

Mercantile Debit Card

What is EMV?

EMV is an abbreviation for Europay, Mastercard and Visa, the three organizations that developed the initial specifications. When used at a chip-enabled register or ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can't be used again.

How does it work?

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert your card instead. If you already know your chip card works at a particular merchant, start by inserting your card.

1
At chip-enabled terminals, insert your card with the chip toward the terminal, facing up. Do not remove until prompted.

2
Provide your signature or PIN as prompted by the terminal. Some transactions may not require either.

3
When the terminal says the transaction is complete, remove your card.

How does it work at an ATM?

For ATM transactions, insert your card and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Some ATMs will require you to leave the card in the machine until the transaction is complete and the card is released.

Resources and FAQs

  • Go Chips and Dips- informational site from Merchant e_solutions
  • GoChipCard - educational site from the EMV Migration Forum and the Payments Security Task Force
  • FAQs

If you have any questions regarding chip cards email us or contact us during normal business hours at 1.800.453.8700.