Chip Technology

Chip Technology provided by Mastercard®

Your Quorum Mastercard® credit card is enhanced with chip technology. This means, wherever you are in the world, you can enjoy greater security and peace of mind every time you use your card.

Enhanced Security

Improved fraud protection.


Chip cards (also known as EMV-enabled cards) contain an embedded microchip that holds encrypted information, making it extremely difficult for the card to be copied or counterfeited. These cards are a global standard for processing credit and debit card payments. Various banks and credit unions may refer to chip cards slightly differently, but the all function to help keep your card more secure. Your transactions are also more secure because in order to authorize the transaction, you are required to enter your Personal Identification Number (PIN), which only you should know.

Your chip card will still have the usual magnetic stripe on the back so that you can still use your card at merchants that have not yet adopted the chip-enabled terminals.


How it Works

How does my card work at a chip terminal?

When you receive a new chip-enabled card, you must set up your PIN after you activate your card. While entering your PIN is not necessary to complete your in-store transactions, it is still the recommended method. 

STEP 1: Insert your card "chip first" into the chip-enabled reader on the terminal.

STEP 2: Follow the prompts on the terminal and wait for the transaction to be processed.
The card needs to remain in the terminal a little longer than you might be accustomed to in order to validate you and your card.

STEP 3: Remove your card after the transaction is approved and take your receipt.

For further information, click here for Frequently Asked Questions.