Merchants are deploying chip-activated terminals, but remember customers can still swipe a chip-enabled card using the magnetic stripe on the back of the card at merchants without updated terminals.
When your cardholder swipes their chip-enabled card at a chip-activated terminal, the terminal will prompt them to insert the card into the chip slot instead. Cardholders can use their cards for payment over-the-phone or online just as always. Whether the cardholder inserts, swipes or enters their card information online, they are protected from unauthorized transactions with Visa's Zero Liability Policy*.
* Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.