EMV stands for Europay®, MasterCard®, and Visa®. It is the global standard for chip-based 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.
What is a Chip Card?
A chip card is a standard-size plastic card that contains an embedded microchip as well as the traditional magnetic strip. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.
Can I use the EMV-compliant chip Card overseas?
Yes, you can use this card for overseas transactions. In Europe and Canada you will especially see merchant acceptance using a small device with a keypad, a screen and a slot to insert your card. Upon successful completion of your transaction, you will be prompted to remove your card from the terminal and you will receive a confirmation receipt. Keep your receipt and check it against your statement later.
Can I use my card at kiosk/train stations?
Transactions at kiosk or train stations require real-time authentication. If terminals are not equipped to do so, you will need to see an attendant to have your card swiped by their online terminal.
How do I obtain a PIN to use with my new card?
Your new PIN card may be obtained by following the instructions of the label affixed to the card when received. Please follow the prompts and remove the label when completed.
When can I start using my replacement card?
For added security, we recommend that you start using your replacement card immediately upon receipt of it.
What should I do with my current card?
Upon receipt of your replacement card, please cut and dispose your current card.
MasterCard® Tap & Pay
MasterCard® Tap & Pay is a “contactless” feature included on all Clarien Bank MasterCard® cards for no added fee. It lets you pay for purchases at MasterCard® Tap & Pay — accepting locations without having to swipe your card and, in most instances, a signature is not required. It allows cardholders to make payments without having to hand over, dip or swipe a payment card. To make a payment, the cardholder simply taps their Tap & Pay card onto a Tap & Pay terminal. The details are read from the card over a contactless interface using radio frequency communications and a transaction is performed over the existing MasterCard® payment networks and infrastructure.
How does MasterCard® Tap & Pay work?
In addition to a magnetic stripe for traditional transaction processing, your new Clarien Bank MasterCard® card with Tap & Pay includes a small radio antenna. This antenna allows you to tap your card at MasterCard® Tap & Pay readers to pay for small purchases – typically under $25. Each merchant has its own maximum limits for Tap & Pay transactions and a signature may still be required in some instances. In the event that your Tap & Pay transaction cannot be completed, swipe your card to complete the transaction with a signature.
Is MasterCard® Tap & Pay secure?
Your Clarien Bank MasterCard with Tap & Pay features multiple layers of protection. Transactions continue to be safe and secure and because the card does not leave your hand, you’re in control.
Are there transaction limits for using MasterCard® Tap & Pay?
MasterCard® Tap & Pay is designed for small purchases under $25. It´s fast, convenient and secure, and perfect for use at grocery stores, pharmacies, gas stations, fast food restaurants, convenience stores, coffee shops and vending machines. In the event that your Clarien Bank MasterCard® Tap & Pay transaction cannot be completed, swipe your card to complete the transaction with a signature.
How do I know if my card has the MasterCard® Tap & Pay feature?
All Clarien Bank MasterCard® cards contain the Tap & Pay feature. To be certain that your card does in fact contain the feature, look for one or both of these symbols on either the front of back of your card.
How will transactions appear on my statements?
Transactions are authorised, processed and billed in the same secure way as all debit transactions. Transactions will appear as a regular line item on your statement.
Can my card be charged by accident or multiple times?
Your Clarien MasterCard® card must be placed very close to a MasterCard® Tap & Pay reader to complete the transaction. Simply walking by a checkout that has a Tap & Pay reader will not cause your card to be charged. In addition, if your card is waved in front of a reader more than once, you will only be billed once.
Where can I “tap” my Clarien MasterCard® card with Tap & Pay?
Your Clarien MasterCard® can be used both on island and off island. There are over 50 locations locally and 32 million outlets worldwide.
MasterCard® SecureCode is added protection that keeps your transactions private. It utilizes a private code for your MasterCard® account that gives you an additional layer of online shopping security.
How many online retailers support SecureCode?
More than 350,000 online retailers support transactions made with SecureCode. Look for the logo when you’re providing your payment information.
How do I begin using MasterCard SecureCode?:
To register for MasterCard® SecureCode click here
Where can I use my card?
Anywhere an online merchant accepts MasterCard® SecureCode. These websites will accept MasterCard® but if your card is registered for SecureCode, you will be asked for your MasterCard® SecureCode Password before you can complete your purchase.
To review MasterCard® SecureCode terms and conditions click here