EMV Fraud Protection

We’re pleased to provide the added security of chip technology to our Hiway Visa^® Credit Cards and MasterCard^® Debit cards. Chip-enabled cards (also known as EMV or smart cards) provide enhanced fraud protection whenever you use a chip-enabled terminal in the U.S. and abroad.

Get Your Chip-Enabled Card

New Cardholders

You do not need to specifically request that a card be an EMV card, as all cards issued by Hiway now include EMV chips.

Existing Cardholders

When your current credit or debit card expires, we'll automatically replace it with a chip-enabled card. You can also request a replacement card before your current card expires by calling us at 651.291.1515 or 800.899.5626.

Protecting Your Information

Chip-enabled cards are embedded with a microprocessor on the front (the small metallic square) which encrypts information to better protect you from a type of fraud called "skimming". This is a technique where criminals copy the data from a card's magnetic stripe and use it to create a counterfeit card.

Chip technology is already used in over 130 countries around the world. It will become the standard in the U.S. as the number of retailers accepting chip cards is growing.

Paying at a Chip-Enabled Terminal

To make a payment at a chip-enabled terminal:

• Insert the chip end of your card, with the chip facing up, into the slot in the card reader.
• Leave your card in the slot and follow the prompts on the terminal as you normally would.
• Remove your card once the transaction is complete.

When using your card at retailers without chip terminals, simply swipe your card and proceed as you normally would.

Questions?

For additional information about chip-enabled cards please contact Card Services at 651.291.1515 or 800.899.5626.