When used at merchants with chip-enabled card terminals it's as easy as:

• Insert the card, face up and chip end first, into the terminal.
• Leave the card in the terminal during the entire transaction.
• Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

For merchants without chip-enabled terminals, you will "swipe" your card through the terminal.