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Chip Technology

VACU MasterCard credit cards feature a built-in microchip that improves the global usability and security of the card, in addition to the magnetic stripe.

How it works

At merchants with chip readers

  • Insert your card into the reader and leave it there for the entire transaction
  • Follow the on-screen prompts to complete your transaction 

At all other merchants, nothing changes.You can use your card as you normally would.

  • Present your card to the merchant
  • Swipe it through a conventional reader
  • Provide your card details by phone or online

Cardholder Benefits

Greater Worldwide Acceptance
  • Chip technology is currently used in 80 countries around the world and is coming to the U.S.
  • Your VACU MasterCard can be used anywhere in the world where MasterCard credit is accepted — over 36 million places in more than 200 countries.
Increased Cardholder Security
  • The chip contains encrypted information that makes it extremely difficult for the card be copied or counterfeited.
  • At merchants that use chip terminals, the card and terminal work together to add an additional layer of security to the transaction.
MasterCard Zero Liability
  • As with our previous generation of credit cards, your chip card is backed by a zero liability policy, which means you won’t be held liable if your card or card number is used for purchases without your permission.
  • Some conditions and exceptions apply. For full details, visit mastercard.com/zeroliability.