EMV Chip Card Use

Can I  use my chip-card at a retailer that doesn’t support EMV technology yet, will it work?EMV Chip Card Use

Yes. The first round of EMV cards many of which are in consumers’ hands will be equipped with both chip and magnetic-stripe functions so consumer spending is not disrupted and merchants can adjust.

If you find yourself at a point-of-sale terminal and are not sure whether to dip or swipe your card, have no fear. The terminal will walk you through the process.

If a consumer tries to swipe a chip card instead of inserting it, an error will appear and they will be prompted to insert the card for chip processing instead.

If chip-card readers are not in place at a merchant at all, your EMV card can be read with a swipe, just like a traditional magnetic-stripe card.

You can still conduct transactions, you just lose that extra level of chip security.


While many large retailers, such as Walmart, Target and Costco, have upgraded their POS terminals and have activated them for chip card acceptance, many U.S. retail locations are still not EMV-ready.

Visa says 50 percent of U.S. stores (approximately 2.3 million merchant locations) now accept chip cards, as of June 2017. Mastercard has tallied 2.3 million chip-active merchant locations on its network, representing 38 percent of all U.S. merchants back in October 2016. Industry experts expect the merchant migration to slowly continue over the next few years, especially as the remaining liability shift dates get closer.

“I expect to see a slow and gradual increase of merchant moving over, just like we’ve seen up until today, as each merchant makes an assessment if this expenditure makes sense for them and their particular business,” said Mallory Duncan, senior vice president and general counsel at the National Retail Federation.

In July 2017, U.S. Payments Forum estimated 45 to 50 percent of U.S. credit and debit card transactions were chip-on-chip.

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