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Introducing EMV Technology:
The New Standard in Card Security

Purdue Federal Credit Union members can now carry credit cards equipped with the new industry standard in fraud-fighting capabilities. It’s called EMV® technology, and it makes your card nearly impossible to duplicate. 

It's easy to pay at a chip-enabled terminal:


Insert the chip end of your card into the terminal with the chip facing up.


Keep your card in the terminal throughout the transaction and follow the prompts on screen.


Remove your card when prompted and take your receipt. You may need to sign for your purchase.

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EMV / Chip Card
Frequently Asked Questions

Q: What are EMV or chip cards?

A: EMV (developed by Europay, MasterCard and Visa), or more commonly known as chip cards, have a microchip embedded in the credit or debit card as well as a traditional magnetic stripe on the back of the card. The chip is encrypted and provides stronger security and protection against fraud. It contains the same type of information already stored in the magnetic stripe needed to authenticate, authorize and process transactions. No personal information about your account is stored on the chip card.

Q: How does chip technology protect my information?

A: Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

Q:  When will Purdue Federal offer chip cards?

A: Beginning in 2016, we will begin an expedited reissue process for credit cards with chips and magnetic stripes. Until you receive your new chip card, please continue to use your traditional magnetic stripe card. All Purdue Federal Visa Credit Cards, chip or magnetic stripe, will continue to be covered by Visa’s Zero Liability policy, meaning you will not be held responsible for unauthorized charges.*

We have plans to issue Purdue Federal Visa Debit Cards with chips and magnetic stripes after we have reissued all credit cards.  

Q: Will Apple Pay work with my new chip card?

A: Yes, Apple Pay will work with your new chip card. However, you will need to register your new card in Apple Pay.

Q: Are there any additional fees associated with chip cards?

A: No additional fees apply to your new card. Your chip card will carry the same benefits as your previous card.

Q: Where can I use my chip-enabled card?

A: You can use your card at millions of places that accept Visa credit cards—at home, online and around the world. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance when traveling internationally.

Q: How do I make an in-store purchase with my chip-enabled card?

A: It's simple – just insert the chip portion of the card into the merchant terminal with the chip facing up, leave the card in the merchant terminal until the transaction is complete, follow the prompts, and provide your signature if requested.

You can still use your card the traditional way by swiping the magnetic stripe in the swipe section of a terminal if it permits.

Q: Can I still swipe my card to pay?

A: Yes. In addition to the embedded chip, your new card still has a magnetic stripe on the back. This way you may continue to make purchases by swiping your card and signing the receipt at merchant locations that do not have a chip-enabled terminal.

In some countries (particularly in Europe), merchants may be more familiar with chip cards than magnetic stripe cards, but Visa requires that magnetic strip cards be accepted everywhere Visa is accepted.

Plus through Visa payWave, a contactless payment technology, your chip card also allows you to simply wave your card in front of a secure reader, letting you keep your card during the entire transaction, and making checkout faster and more convenient. Just look for the contactless symbol and the Visa logo on the checkout terminal.

Q: How is my card different from other chip cards?

A: In addition to a magnetic stripe and microchip embedded on your card, your Purdue Federal Visa Credit Card also allows you to pay through Visa payWave. Visa payWave is a contactless payment technology that allows you to simply wave your card in front of a secure reader, letting you keep your card during the entire transaction, and making checkout faster and more convenient.

pay-wave.pngJust look for the contactless symbol and the Visa logo on the checkout terminal.

Q: Is Visa payWave secure?

A: Yes. Ensuring payment security is one of Visa’s highest priorities, and contactless payment cards are as secure as traditional cards. 

Q: Will chip cards be covered under the Visa Zero Liability policy?

A: Yes, all Visa cardholders, regardless of transaction type, will be protected under the Visa Zero Liability policy just as the magnetic stripe cards are today. This means you won’t be held responsible for unauthorized charges if your Visa credit card is lost, stolen or fraudulently used, online or offline.* 

 * Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Visit for additional details.