SPIRE Visa® EMV/Chip Cards
SPIRE Visa® Credit and Debit cards include EMV/Chip technology that gives you greater fraud protection when you use your card at a chip-activated terminal. The embedded microchip provides extra security by encrypting member data when used at chip-enabled registers.
Enhanced Fraud Protection
When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code while encrypting your personal data. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
Easy to Use
If a chip-activated terminal is available, insert your card and follow the prompts. If the merchant does not have a chip-ready terminal, simply swipe your card. You can also use your chip card online and over the phone.
SPIRE EMV cards do not require an additional PIN number to enter at the time of a transaction.
Chip cards also make traveling easier as chip cards are already accepted in more than 130 countries.
More merchants are accepting chip transactions every day. Whether you checkout using the chip or swiping your card, you can pay with the confidence wherever Visa® Credit and Debit cards are accepted.
Verified by Visa
Working behind the scenes when you're shopping online, Verified by Visa uses advanced technology to confirm your identity. If there is any doubt - such as when you use a new device or make an unusually large purchase - you may be asked by your bank to provide more information to confirm the purchase.
Lost or stolen cards, please call 800.449.7728
24-hour cardholder service, please call 866.820.4947
Mail payments to:
PO Box 660493
Dallas, TX 75266-0493