Swiping changes coming to the way consumers pay with their cards

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KANSAS CITY, Mo. — To buy something, we’re used to swiping our cards. However, the new way is to dip to accommodate the small metallic chip, or EMV (EuroPay, MasterCard, Visa). The goal is to keep thieves away from your personal information.

Lyn Tompson takes other protective measures.

“I don’t pay for anything online, money orders, try not to give my information over the phone,” she explained.

Starting Thursday, businesses that haven’t upgraded their credit card networks will be liable for any transaction that is fraudulent if the card is chipped.

“People out here are finding very creative ways to steal your identity. Criminals are getting smarter,” said Thompson.

The EMV credit cards require a four-digit PIN to verify your identity instead of a signature. Experts say that makes it more secure since people at the cash register don’t check handwriting and rarely ask for an I.D.

“In Europe when they introduced it, it reduced fraud by over 60-percent,” said Mario Urquila of Enterprise Bank and Trust.

Thompson says she’s excited to hear about these new security measures, but doesn’t have an EMV credit card yet. She can still use her credit card though, most stores will take a while to transition to dipping machines. For now, you can still swipe.

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