Chip Technology & Fraud Liability

Did you know your business may now be liable for fraudulent transactions at the point of sale? M&T Bank Merchant Services® can help shift liability away from your business through EMV® chip technology.

Safeguard your business from fraud liability.

Merchants who cannot accept EMV chip cards may be held liable for fraudulent transactions at the point of sale. Help protect your business by making sure your payment system is up to date with chip card reader technology. With a terminal certified to accept chip cards, you can help your business avoid potentially being held liable for card-present fraud.

Adopt a global technology standard.

EMV chip technology is the world-wide standard for card-based payments. Chip technology helps protect both merchants and consumers with more advanced security than traditional magnetic stripe cards. Accepting EMV payments indicates to your customers that you are committed to a safer, more advanced way to pay. It’s also popular with tourists and international travelers.

Use EMV to accept contactless payments.

Most EMV capable terminals also have the ability to accept contactless payment options such as Apple Pay®, Google Pay® and Samsung Pay®.

Visa will process transactions similar to how they process your physical card transactions today except rather than receiving your actual card number, merchants will receive the unique virtual card number associated with your M&T credit, debit or Commercial card. M&T Commerical Cards are not eligible for use with Fitbit Pay or Garmin Pay.
EMV® is a registered trademark or trademark of EMVCo LLC in the United States and other countries.
Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. 
Android and Google Pay are trademarks of Google LLC. Google Pay is available for any NFC- and HCE-enabled Android device running Lollipop 5.0+. Google Pay may store your card information in your Google Payments Account and on Google Payment Corp. (GPC) servers, for purchases on Google Play and elsewhere. This could occur even if the process of adding your card to Google Pay is not successful. Google Pay and its various features may only be available for use in certain regions and with certain merchants which are subject to change at any time.
M&T Bank is not endorsed, sponsored, affiliated with or otherwise authorized by Apple Inc. or Google LLC.
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.