It's easy. If the retailer has a chip-enabled terminal, insert your chip card face up. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, follow the prompts as you do today.
You'll be prompted to enter your PIN or provide a signature as you normally would to verify the transaction. Your card can be removed from the terminal once the transaction is completed.
If the retailer cannot read the chip card, swipe as you do today. For transactions made over the phone or online, nothing changes.
Note: When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks or gas pumps) will require a PIN. In these situations, enter the debit or credit card PIN assigned to your card.