It's simple. If the retailer’s terminal is chip-enabled, simply place your chip card face up in the terminal. The chip card must remain in the terminal while the transaction is being processed. Just follow the prompts as you do today to authorize your transaction.
To verify the transaction, you will be prompted to provide a signature or enter your PIN as you would normally. Once the transaction is completed, your card can be removed from the terminal.
If the retailer’s terminal is not chip-enabled, your card still has a magnetic stripe on the back, so you can simply swipe it. Nothing will change for transactions made over the phone or online.
Note: If you are traveling outside the U.S., some card readers at unattended terminals (such as gas pumps or public transportation kiosks) require a PIN. Simply enter the debit or credit card PIN assigned to your card in these situations.