What Is Chip Technology?
Chip technology is an international security standard for in-store purchases and ATM transactions.
How Can I Get a Chip-Enabled Credit Card or Debit Card?
We're currently sending updated chip-enabled cards to our customers. Please contact Discover at 1-800-347-3085 for information about our credit cards or 1-800-347-7000 for information about our debit card.
Where Can I Use It?
Use your chip-enabled card anywhere merchants are chip-ready and accept Discover. If a merchant isn't chip-ready, you can still swipe it to complete your transaction like you have in the past.
- If a retailer doesn't have chip-enabled terminals yet, swipe your card's magnetic stripe.
- There are no changes in phone or online transactions. Simply complete your transactions as you do today.
- If you are a retailer looking to adopt chip cards, learn more nowhow to adopt chip cards?.
No, Discover credit and debit chip cards do not have RFID capabilities. The chip card must be inserted or swiped at a terminal to complete a transaction.
Remote scanners cannot read ANY Discover credit or debit card (Including Chip and Mag-Stripe only cards). The data on the chip does not store any additional personal information beyond what is included on the magnetic stripe and is more secure. And as always, you are never responsible for unauthorized purchases, or online or mobile banking transactions on your Discover credit card or debit card.
Generally, the processing time for a chip card is similar to that of a magnetic stripe card. However, there are a couple of differences with chip cards.
- First, rather than a customer swiping their card and putting it back in their wallet, the chip card remains in the terminal and the consumer may perceive that the transaction takes longer.
- Secondly, how an EMV terminal is installed can have some influence on processing times. As the U.S. continues to migrate to chip cards, purchasing processes will be refined to increase speed of checkout.
Chip and PIN cards can be helpful when a card is lost or stolen, while chip and signature can be helpful in fraud situations. For that reason, many U.S. card issuers and merchants are starting with chip and signature technology for both credit and debit cards. Please see below for more information about how chip and signature and chip and PIN works for your card:
Discover Credit Card
- Discover credit cards are set up as chip and signature
- In some cases, depending on the amount of the transactions or the merchant, you may not be prompted to sign all the time
- A PIN is required at an ATM when requesting a cash advance (same functionality as your magnetic stripe card)
Discover Debit Card
- The Discover debit card is set up as chip and PIN and chip and signature
- Depending on whether you select credit or debit at the time of purchase, you may be prompted for a signature or a PIN
- In some cases, depending on the amount of the transaction or the merchant, you may not be asked for a signature or a PIN
- A PIN is required at an ATM when withdrawing cash (same functionality as your magnetic stripe debit card)
If you have requested a new chip credit or debit card, you'll receive your chip card in the mail in the next 3-10 business days.
Once you receive your chip card you can choose to activate it online, through the mobile app, or over the phone by calling the number found on the back of the card.
Your credit card can be used wherever Discover is accepted, whether there is a chip-enabled terminal or not. Certain markets may prefer you use chip cards for enhanced security.
At this time, you can use your debit card to withdraw cash at ATMs and make purchases at participating merchants in Canada, Mexico and the Caribbean wherever you see the Discover®, PULSE®, or Diners Club International® symbols.