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Understand how chip cards work.

What is chip technology?

Chip technology, also called EMV1, generates unique data for every transaction at the point of sale (POS) terminal. This helps to reduce fraud and is more secure than magnetic stripes. Most cards are chip-enabled, so it's important for businesses to accept them.

1. EMV® is a registered trademark in the U.S. and other countries and an unregistered
trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Understand how chip cards work.

Why the growth of chip technology matters to your business

Most consumers are carrying chip cards

Chip cards are now in the hands of more customers and the barriers to usage have been removed.


71% of U.S. consumers surveyed say they have a chip card*


70% of chip card holders are not bothered by the transaction time**

Source: Mercator Advisory Group, U.S. Consumers and Credit: Playing the Rewards Game, December 2017

* On either a debit, credit, or prepaid payment card.

** Card holders did not think inserting their card into the EMV reader takes longer than the traditional swipe or were not bothered by the transaction time.

Benefits of accepting chip cards

Businesses must certify their POS terminals with each payment network to ensure minimal acceptance gaps and take advantage of potential benefits.

  • Helps reduce in-store fraud

  • Increases customer confidence

  • Could open your checkout to tourists and global travelers

  • Helps to future proof your business

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Certifying chip card acceptance with Discover® Global Network

Terminals require a certification to enable acceptance for chip card payments. D-PAS is our technology that can make it happen. Get to know its features.

Learn More About D-PAS

Visit Our Resource Center for helpful training tools and signage

Making Contact with Contactles Payments

Contactless Payments & Chip Cards

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Chip Cards Gaining Steam: How Businesses Benefit from EMV

Employee Training Materials

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Best Practices for EMV Education and Training

In-Store Signage

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Your acquirer or payments processor should be your first stop for information about enabling contactless payments and chip cards. However, we're always here to offer our network's perspective.

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