The EMVCo Contactless Indicator indicates acceptance. When featured on a card, it means the card can be used to tap to pay. When featured on a checkout terminal or on store signage, it means a merchant accepts tapping to pay.

The EMVCo Contactless Symbol indicates where you tap your contactless chip card or payment-enabled mobile/wearable device on the checkout terminal to make a payment.

You’ll see the Contactless Indicator on your card. For your phone or other payment-enabled wearable device, please see Visa + Apple Pay, Visa + Google Pay and Visa + Samsung Pay.

Your contactless chip card or payment-enabled mobile/wearable device just needs to be within 1 to 2 inches of the Contactless Symbol to initiate a payment.

It works best when your contactless chip card or payment-enabled mobile/wearable device is held flat over the Contactless Symbol, versus held at an angle.

Tapping to pay with a Visa contactless chip card or payment-enabled mobile/wearable device is secure, convenient and touch-free—perfect for places like fast-food restaurants, grocery stores, coffee shops, vending machines, taxis and more. Just look for the Contactless Symbol at checkout. Tapping to pay is secure because each transaction is accompanied by a one-time code, just like contact EMV. Unlike cash, tapping to pay provides an electronic record of your purchases and gives you all the great functionality and convenience of a Visa card.

Yes. If you don’t see the Contactless Symbol on the checkout terminal, you can still swipe or insert your contactless chip card, just like any other Visa card.

Yes. You can tap to pay at millions of places around the world, wherever you see the Contactless Symbol. In countries like Australia, Canada, the UK and France, over half of retailers currently accept contactless payments. If tapping to pay is not available at a location, you can simply swipe or insert your Visa contactless chip card at checkout.

Yes. Here’s why:

• Each Visa contactless chip card carries the same trusted security as a Visa contact chip card.
• The one-time code generated every time a contactless chip card or payment-enabled mobile/wearable device is used at an in-store contactless-enabled terminal protects your payment information, making it extremely effective in reducing counterfeit fraud.
• You can’t pay accidentally—your contactless chip card or payment-enabled mobile/wearable device must be within 2 inches of the terminal for the transaction to take place. And you won’t be billed twice, even if you accidentally tap twice.
• Tapping to pay with your Visa contactless chip card or payment-enabled mobile/wearable device helps you avoid touching surfaces at checkout.

The contactless chip card or payment-enabled mobile/wearable device securely transmits information including the account number, expiration date, and a one-time code that changes for every in-person transaction. The code is different than the code encoded on the magnetic stripe of a Visa card.

Visa contactless chip transactions generate a one-time, transaction-specific code. Due to the nature of the code and additional fraud protection processes built into the Visa network, it is difficult to use skimmed cardholder information for fraudulent purchases. As a result, fraud from skimming is very unlikely and limited in scope. You can also rest assured that Visa cards offer protection from any unauthorized use with Visa’s Zero Liability Policy.

No. The technology behind tapping to pay requires the merchant to initiate the payment. Next, the contactless chip card or payment-enabled mobile/wearable device must be tapped or held within 2 inches of the contactless-enabled terminal in order for a transaction to take place.

If your Visa card is lost or stolen, or you believe there has been unauthorized activity on your account, contact Minnesota Lakes Bank immediately. If it happens after hours, call Visa Support at 800-236-2442.

EMV/chip or “smart” cards are credit, debit or prepaid cards that have an embedded microchip in the card. Each microchip generates a dynamic one-time use code, or cryptogram, when they come into contact with specific connection points within an EMV/chip card supporting terminal after insertion. The cryptogram is sent through the card processing system to the processor and ultimately out to the card issuer. This cryptographic exchange, in addition to cardholder verification methods employed (such as online PIN), serve to bolster the payments ecosystem and guard against card-present fraud.

Chip cards are based on a global card payment standard called EMV (Europay, Mastercard & Visa, the three companies that developed the standard in Europe) which is currently used in more than 80 countries. There are more than 3.4 billion chip cards issued across the globe. You can find more details at www.emv-connection.com/consumers.

Chip card transactions offer advanced security in-store and at ATMs by making every transaction unique. In addition, the chip card is more difficult to counterfeit or copy. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

The chip is located on the front of the card. You will still have a magnetic strip on the back so that you can use it with merchants who don’t accept chip cards yet.

If needed, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card. These basic steps will help ensure successful transactions:

Always remember when you use your chip card to follow the prompts on the terminal and leave your card inserted until prompted to remove it.

Depending on the type of ATM, your experience may differ slightly:

*If your card stays visible, use these basic steps for a successful ATM transaction:

1. Insert and remove your card as you normally would. This tells a chip-enabled ATM whether you have a chip card or not. Then follow the prompts.
2. If the ATM is chip-enabled, it will prompt you to insert the card again and leave it inserted. The ATM will clamp down on your chip card to hold it in place until the transaction is complete. Do not try to remove your card until prompted by the ATM.
3. When the ATM says the transaction is complete, remember to take your card.

*If your card is not visible, a chip-enabled ATM will automatically recognize the chip on your card. If you’re used to an ATM returning your card immediately, note that your chip card will now be returned at the end of the transaction. To complete a transaction, proceed as you normally would and follow the prompts. When the ATM says the transaction is complete, remember to take your card.

At an ATM, start the transaction as you normally would and follow the prompts. A chip-enabled ATM will guide you through the transaction. Depending on the type of ATM, your experience may differ slightly.

Yes, merchants and ATMs will continue to accept magnetic strip cards.

Yes. Your card will have a chip and a magnetic strip to accommodate any situation.

Chip-enabled terminals have all of the features you are used to with a payment terminal, with the addition of a slot to insert your card. The slot is typically located at the bottom or the top of the payment terminal.

If needed, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

Cards will still have a magnetic strip on the back, so even if a terminal or ATM is not yet chip-enabled, you can use your card as you do today.

Anywhere. Your card will have a chip and a magnetic strip to accommodate any situation.

Every day more merchants and ATMs are becoming chip-enabled to increase security for in-person card transactions, so you will start to see these terminals and ATMs at many of the stores and financial institutions you visit today. You will continue to be able to pay at both chip-enabled and non-chip-enabled merchants and ATMs with the same card.

No. You will use your chip card for online purchases by following the same process you do today.

Yes. Chip cards are widely used in international markets and are accepted in more than 80 countries. Having a chip card will make it easier for you to make purchases and complete ATM transactions when you travel internationally.