Credit Card Security


Chip Technology at PENZIOX


PENZIOX Credit and Debit cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-enabled terminal. Your new card is not only more secure—it’s also easy to use. Here’s what you can look forward to as a cardholder.

Big Protection in a Tiny Chip


EMV chip icon

Keep in mind, you can continue to use your chip card online and over the phone…the same way you do today.



See how easy it

is to pay at a

chip-enabled terminal:



using emv chip icon



Insert the chip end of your card into the merchant terminal with the chip facing up.

keep emv card icon



Keep your card in the terminal and follow the prompts.

remove emv chip card icon



Your card when prompted and take your receipt.

Enhanced Fraud Protection


When you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global Acceptance


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® and American Express® cards are accepted.

Easy to Use


Simply swipe your card like you do today. However, if a chip-enabled terminal is available, insert your card instead and follow the prompts.


Chip Technology FAQ


1. What is EMV?

EMV stands for Europay, MasterCard, and Visa. These three companies were the original companies to begin the technical standard for chip cards.

2. What is a chip card?

3. How does chip technology protect my information?

4. Where can I use a chip card?

5. Can I still swipe my card to pay?

6. How do I use my PIN (Personal Identification Number) at a merchant terminal?

7. Why is the terminal not asking for my PIN?

8. How do I get a PIN if I don’t already know it?

Don't have a Card?

Pick a card, any card! All PENZIOX Credit Cards feature EMV chip technology. While you can’t go wrong with any of our cards, you can earn rewards points on every purchase with the PENZIOX Platinum Rewards Visa Signature® Card.