Get Big Protection in a Tiny Chip
Gulf Winds' VISA Credit Cards now come with built-in chip technology. All Gulf Winds Visa cards will be upgraded to include EMV chip protection in September 2016. 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. Below we're highlighting what you can look forward to as a cardholder.
Also, be aware that you may also hear, read and see these cards referred to as EMV chip cards. EMV stands for Europay, MasterCard, Visa. It is the global standard for chip-based Debit and Credit Card transactions. It is a joint effort between Europay, MasterCard and Visa to ensure security and global acceptance so that MasterCard and Visa Cards can continue to be used everywhere.
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 replicate and helps reduce in-store fraud. Yet, remember, no matter how you pay, you’re protected against unauthorized use with Visa’s Zero Liability Policy.1
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 Visa credit cards are accepted. Keep in mind, you can continue to use your chip card online and over the phone…the same way you do today. Plus get cash, check your balance and more at millions of ATMs worldwide.
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 below and watch the videos on this page to learn more.
Watch how easy it is to pay with a chip card.
Want to know more?
GoChipCard.com - Is the go-to site for easy to understand resources on chip cards.
EMV Connection - Is the site to learn more about EMV chip technology and how chip cards will be used with merchants.
VisaChip.com - Is the site created by Visa introducing chip technology to consumers.
Find answers here with our FAQ.
Gulf Winds Chip Card Details
Gulf Winds Credit Card chip cards will be issued as existing cards expire. For example, if your card expires 10/15, you will receive your new chip card during the month your card expires.
The PIN from your old Gulf Winds VISA Credit Card will transfer over to your new card. If you forgot your PIN or want to change your current PIN, you can call 1.866.820.6803 24 hours a day/7 days a week.
Chip technology is already used in other countries and now coming to the U.S. Your new chip card provides an extra level of security and is easier to use at international locations.
No. There are no additional fees to use your new card.
Yes. You can count on receiving the same great rewards you always have.
Please give us a call at 1.800.650.6328.
Chip Card Usage
You can use your chip card anywhere Visa cards are accepted. You can swipe your card just like you do today using the magnetic stripe on the back of the card, if a chip-activated terminal is not yet available. The terminal or the cashier will prompt you to insert and leave the card in the terminal until the transaction is complete if it’s activated for chip.
Of course, just swipe your card using the magnetic stripe the way you always have. You’re still protected from unauthorized transactions with VISA’s Zero Liability Policy.1
Absolutely. Your card will work online or over the phone just like it always has.
Some merchants may have chip terminals, but they may not yet be activated to accept chip cards. If you are unable to insert your chip card into a chip terminal, you can always swipe your card to complete the transaction. Most often, merchants that haven’t activated their terminals will block the chip slot.
If the terminal is chip-activated, a prompt on the screen will advise you to insert your card and follow the instructions.
If the terminal isn’t chip-activated, a prompt on the screen will advise you to swipe your card using the magnetic stripe on the back as you do today.
Your card will always work either by swipe or insertion. The terminal or the cashier will prompt you to insert the card into the terminal if it’s activated for chip technology. If the terminal is not yet chip-activated, you can always swipe your card to complete the purchase.
Chip Card Security
All VISA cards offer protection from unauthorized use of your card or account information. VISA chip technology offers another layer of security when used at a chip-activated terminal, because it generates a unique, one-time code that is needed for each transaction to be approved.
All VISA cards offer protection from unauthorized use of your card or account information. While VISA chip technology generates a one-time use code that’s difficult to counterfeit, the account information may still be subject to compromise. Notify your financial institution immediately of any unauthorized use and know you are protected with VISA's Zero Liability Policy.1
Chip Card Overview
Chip cards are based on a global card payment standard called EMV, currently used in more than 80 countries. There are more than 3.4 billion chip cards issued across the globe. Chip cards are regular plastic credit or debit cards with an embedded microchip. EMV stands for Europay, MasterCard, Visa. It is the global standard for chip-based Debit and Credit Card transactions. It is a joint effort between Europay, MasterCard and Visa to ensure security and global acceptance so that MasterCard and Visa Cards can continue to be used everywhere.The chip protects in-store payments because it generates a unique, one-time code that is needed for each transaction to be approved. It is virtually impossible for fraudsters to replicate this feature in counterfeit cards providing greater security and peace of mind when used in-store. A chip card also has a magnetic stripe on the back of the card and may include VISA payWave technology for contactless payments.
Although chip cards are relatively new in the U.S., they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.
The embedded microchip provides strong transaction security features and other application capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.
A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the terminal to complete the transaction.
When you insert your card into the terminal, the chip in your card communicates with the terminal to determine whether or not the card is authentic. The terminal will prompt you to sign your name. During international transactions, the terminal may prompt you to enter your PIN instead to validate your identity. Once approved, your transaction will be completed.
1Visa's Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact us.
What is the Card Called?
- Smart card
- Chip card
- Smart-chip card
- Chip-enabled smart card
- Chip-and-choice card (PIN or signature)
- EMV smart card (stands for Europay, MasterCard, Visa)
- EMV Card
Chip Cards by the Numbers
- 575 million: Number of EMV cards to be issued by the end of 2015.
- 59%: Percentage of retail locations that will be EMV-compliant by the end of 2015.
- 78,800: Current number of EMV chip-activated merchant locations.
- 40%: Percentage of US. debit cards that will be issued as EMV cards by the end of 2015.
- 70%: Percentage of U.S. credit cards that will be issued as EMV cards by the end of 2015.
- 86%: Percentage of financial institutions that plan on issuing EMV debit cards in the next two years.
Sources: Javelin Research & Strategy, Aite Group, 2014 PULSE Debit Issuer Survey