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EMV Chip Security

Big protection in a tiny chip.

Sandia Area’s Credit Cards and Debit Cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure—it’s also easy to use. Here’s what you can look forward to as a cardmember.

Enhanced fraud protection

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global acceptance

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Mastercard® credit and debit cards are accepted.

Easy to use

Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts. See detailed steps to the right.

No matter how you pay, you’re protected against unauthorized use with Mastercard's Zero Liability. 

Keep in mind, you can continue to use your chip card online and over the phone…the same way you do today.

Make the switch to EMV

Don’t have a Card?

Pick a card, any card! All Sandia Area Credit Cards feature EMV chip technology. While you can’t go wrong with any of our cards, you can earn reward points on every purchase with the Sandia Area World Rewards Mastercard or Rewards Mastercard.

EMV Chip Technology

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