EMV Chip Technology

Learn more about the benefits of EMV chip technology and how to use chip cards below.

How To Use EMV Chip Cards in 3 Steps

Increased security = decreased fraud

When used at a chip-activated terminal, your card’s chip generates a one-time use code that is needed for each transaction to be approved. This code is virtually impossible to counterfeit, which helps reduce fraud and adds greater security to the payment system.

Simple to use

Insert the chip card into the terminal and leave it there until the transaction is complete.

If the terminal is not chip-activated, you can still swipe your card using the magnetic stripe on the back of the card. Whether you insert or swipe, there’s never a need to worry. Visa’s Zero Liability Policy1 will protect you from any unauthorized transactions.

Accepted everywhere + extra benefits

Use your new chip card anywhere Visa® is accepted. Plus, enjoy these extra benefits:

  • Comes at no additional cost
  • Makes transactions simple and secure when you travel internationally
  • Helps pave the way for safer mobile commerce, which helps ensure secure and convenient purchases in the future, no matter where or how you pay

Have questions? Read our FAQs.


1 Visa’s 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. Cardholders must notify card issuer promptly of any unauthorized use. Consult issuer for specific restrictions, limitations, and other details.