EMV Chip Security
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.
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
EMV stands for Europay, MasterCard, and Visa. These three companies were the original companies to begin the technical standard for chip cards.
A chip card is a standard-size plastic credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal. Sandia Area’s Credit and Debit Cards now feature chip technology. You'll enjoy global acceptance plus an enhanced level of security.
Whenever 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.
You can use your card at millions of places that accept MasterCard® credit cards, at home and around the world.
Yes. If a merchant is not yet chip-activated, you can continue to swipe your card.
No. There are no additional fees to use a chip card.
At the merchant terminal, following the dipping of your card, if a PIN is required the terminal will guide you with the steps for PIN entry.
Sandia Area credit cards have the capability of requiring a signature and accepting a PIN. However, if the merchant terminal has the capability of accepting a signature, the transaction will default to signature. If the merchant accepts only a PIN, the PIN will be required.
If you would like to have your PIN reissued, please call us at 505-292-6343 ext.5 or 800-228-4031 ext. 5.