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What if the merchant (store) doesn’t have a chip-enabled machine?

If a merchant isn’t using a chip-enabled terminal yet, you will ‘swipe’ your card to make your purchase, just as you do today. Chip cards will continue to have the magnetic stripe on the back, allowing them to work in regular terminals.

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Rates effective as of: October 22, 2025

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What if the merchant (store) doesn’t have a chip-enabled machine?

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