EMV Chip Cards

Safe & secure

Oregonians debit and credit cards come with EMV chip technology that improves fraud protection and security. This makes it even harder for your account information to get stolen and for you to become a victim of identity theft.

What is EMV?

EMV stands for Europay, MasterCard, and Visa. In layman's terms, it's a micro-chip embedded right in the card that provides an extra layer of fraud protection over traditional magnetic strip cards. EMV technology works to keep your identity and personal information secure while offering added protection from fraud when making a transaction.

Why are EMV transactions more secure? 

It's an extra layer of fraud protection. The embedded microchip turns your card information into a unique code when used at a chip-enabled terminal, so your card number is never actually transmitted. The code is difficult to duplicate or copy.

Why does my EMV credit card require a PIN?  

Your EMV chip card has a PIN in order to provide you with the latest security features. Depending on the merchant, you may be required to enter this PIN to authorize your purchase and validate that you are the owner of the card. In order to keep your card secure, do not share your PIN with anyone or write in anywhere on the card.

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