TD Commercial Plus Card Knowledge Center


A card designed to fit your needs

Your TD Commercial Plus Card includes chip and PIN technology

  • Greater protection against fraud
  • Easy to use at home and internationally1
  • Accepted at both chip terminals and traditional terminals

The TD Commercial Plus Card is your one-card payment solution for Purchasing, A/P and Travel and Entertainment Expenses. Our card is part of the globally accepted Visa® network and will empower you to conveniently pay your expenses and suppliers while generating value for your organization.

Here, you'll learn about:
  • Setting up your account for online access
  • Setting up and managing your PIN
  • Security features that are available to you
  • The benefits of chip and PIN technology
  • Frequently asked questions
Log in to TD Commercial Plus Card Online

Using your new chip and PIN card is easy

  1. Insert card into reader
  2. Enter your PIN
  3. Remove card after transaction

For Card Program Administrators
Managing your company's card usage is simple:

By now, you should have received your user ID and password for TD Commercial Plus Card Online.

To get started:
  • Log in to the system here.
  • Call 1-866-475-7262 to schedule your introductory training at your earliest convenience.
  • Additional training for more in-depth functions is available once you begin to have cardholder activity.
For Individual Cardholders
It's easy to get started:
  • Call us at 1-877-701-0062 to activate your card.
  • You'll be asked to select a PIN.
  • Next, register on TD Commercial Plus Card Online to view and manage your account.

Your program administrator can guide you with questions about your company's specific card program requirements.

Using your new chip and PIN card
Activating your card is simple and quick

To activate your new card and select your PIN, simply call the toll-free number on the activation sticker and follow the voice prompts on the automated system.

It's easy to use your new chip and PIN card at any store or merchant following activation.

At a chip-enabled terminal
  • Instead of swiping, insert your card face up into the terminal.
  • Leave your card in the terminal for the duration of the transaction.
  • Enter your PIN and remove the card.
At a traditional terminal without chip technology
  • Just swipe your card as you've done in the past.
  • Sign for your purchase, if asked.
For phone or online purchases
  • Complete your purchases just as you've done in the past.
Your first transaction

The first time you use your card at a chip and PIN terminal with a cashier present, you'll be prompted to sign for the transaction. This is normal – it allows the PIN you established during activation to be loaded on the card for future transactions.

Your card will function like a traditional magnetic strip card at chip and PIN terminals until your PIN is loaded onto your card as outlined on the left. Your card will always function like a traditional magnetic strip card at non-chip and PIN terminals and for purchases you make online and via telephone.

Managing your PIN
Changing your PIN

If you need to change your PIN, simply call the toll-free number on the back of your card (1-877-253-4558) and follow the prompts to verify your identity and establish a new PIN.

Your new PIN will be loaded onto your card the next time you conduct a transaction at a terminal with a cashier present so you can sign for your transaction and update your PIN.

Note: You may be prompted to enter your new PIN multiple times during your purchase prior to signing for the transaction before the old PIN is deactivated and the new PIN is linked to your card.

Resetting your PIN

If you forget your PIN, you'll need to establish a new one. Follow the directions to the left for Changing your PIN. You'll also need to set up a new PIN if you enter your PIN incorrectly three times in the same transaction.

Remember, never share your PIN with anyone for any reason.


TD Bank is committed to protecting the security of your information. Learn what tools are available and what you can do to make sure your information is as safe as it can be.

Visa protection programs
IBM® Security Trusteer Rapport

Get added fraud protection – free from TD Bank. With Trusteer Rapport, you can have added security on every website you visit.

Report a lost or stolen card 24/7

Frequently asked questions
Expand Why does TD Bank offer chip and PIN cards for TD Commercial Plus Card customers?

Chip and PIN technology is the global standard because of its advanced security features, and is quickly becoming the standard in the U.S. We want our TD Commercial Plus Card customers to have access to the best security features available.

Expand What is a chip-based card?

A chip card, also called an EMV chip card or Smart Chip card, uses an embedded microchip instead of a magnetic strip to store data. The microchip embedded in your card encrypts your data, providing enhanced security against counterfeiting when used at a chip-enabled terminal.

Expand Will my card work at terminals that don't take chip cards?

Yes. Your new card has a magnetic strip in addition to an embedded chip and the PIN created during activation. If a store or merchant has not upgraded to chip technology, you'll just swipe your card and sign for the transaction, as you do today.

Expand Why does my new chip card also require a PIN?

PINs are used as an added level of security to ensure transactions are properly authorized by you. Should your card be lost or stolen, it will be more difficult for someone other than you to conduct a transaction at a terminal that recognizes chip and PIN cards.

Expand What if I use my card information for automatic payments?

If you used your old card for automatic payments, please ensure your card information is updated.

Expand Is it safe to use the magnetic card strip at merchants that don't have a chip-enabled terminal?

While the chip and PIN technology provides enhanced security, using the magnetic strip and your signature continues to be a safe way to use your card. Remember that you are also always protected by Visa's Zero Liability* Coverage, which protects you in the event of card fraud.

Expand I only use my card for telephone and online purchases. Am I still required to set-up a PIN?

Yes, though you won't be required to use it for online and telephone purchases. The PIN you select at activation will be held by the system until your first in-person transaction at a chip and PIN terminal.

Expand Can I use my card outside of the U.S.?

Yes. Your new chip and PIN card is designed to work around the globe.

Expand What happens if I swipe my card at a terminal that reads chip cards?

If you swipe your card at a chip-enabled terminal, the terminal will prompt you to insert your card into the card-reader.

Expand How will I know which terminals accept chips and PINs and which ones don't?

You won't need to worry about knowing which terminals accept chips and PINS versus those that don't. Your card is programmed to process transactions using the most secure channels available. Simply follow the terminal prompts to know what to do.

Expand Does my PIN expire?

No, your PIN does not expire. When your existing card expires and you receive a new card, your existing PIN will already be programmed on it.

Expand What happens to my PIN if I report my card lost or stolen?

If your card is reported as lost or stolen, your replacement card will require you to set-up a new PIN when you call to activate it.