New Chip Technology for Payment Processing


Greater security and worldwide acceptance reduce your liability for fraud.




Great news! Chip-enabled (EMV) cards are here and your customers are using them. Now you can accept chip-enabled smart cards and process transactions more securely, reducing fraudulent transactions and chargebacks.

Chip card benefits

  • Greater protection from fraud - The microchip embedded in the smart card encrypts your customers' data, providing enhanced security against the counterfeiting of lost or stolen cards when used at a chip-enabled terminal.
  • Enhance your customers' experience - Create loyal customers by accepting EMV chip cards. Your customers will know that you're protecting their data with secure transactions.
  • Forefront of technology - The chip technology is the global standard and is already in use in more than 80 countries, including Canada and throughout Europe and Asia. It will become the standard on October 1, 2015, in the United States.

It's easy to accept chip cards at your locations

At a chip-enabled terminal

  • Instead of swiping, have the customer insert the card face up into the terminal.
  • Let the customer know not to take the card out until the transaction is complete.
  • Ask the customer to sign for the purchase, if necessary, and remove the card.

At a traditional terminal without chip technology

  • Just have the customer swipe the card as they've done in the past. (See the FAQs: "What if I don't upgrade to a chip-enabled terminal?")
  • Ask the customer to sign for the purchase, if necessary.

Check with Merchant Solutions Client Support to see if your terminal currently supports EMV smart cards —some already do. Reach us by telephone at 1-800-348-4025 or contact Merchant Solutions here.

Chip technology, also known as EMV, is already the global standard because of its advanced security features. By October 1, 2015, this EMV technology will be the standard in the U.S. as well. We want our customers to have access to the best security features right now.

A chip card, also called an EMV chip card or smart chip card, uses an embedded microchip instead of a magnetic stripe to store data. The microchip embedded in the card encrypts the customer's data, providing enhanced security against counterfeiting when used at a chip-enabled terminal.

At a chip-enabled terminal:

  • Instead of swiping, have the customer insert the card face up into the terminal.
  • Let the customer know not to take the card out until the transaction is complete.
  • Ask the customer to sign for the purchase, if necessary, and remove the card.

At a traditional terminal without chip technology

  • Just have the customer swipe the card as they've done in the past. (See the FAQs: "What if I don't upgrade to a chip-enabled terminal?")
  • Ask the customer to sign for the purchase, if necessary.

As of October 15, 2015, the liability for fraudulent card losses transfers to the merchant, if the magnetic stripe on a chip-enabled smart card is swiped. (Gas stations have until October 2017.)

Just have them swipe the card like they do today.

Help when you want it, how you want it

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at 1-800-348-4025
Using your new chip card video

Chip cards are easy for customers to use

View the video to see how easy it is to use chip cards.

TD Visa chip card

Start accepting chip cards today

Chip technology gives greater protection from fraud.