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SMALL CHIP SUPERIOR SECURITY

Why Chip & PIN Technology?

Why Chip & PIN technology?

Chip & PIN (Personal Identification Number) technology is becoming an established standard for safety and security for Card transactions in the Canadian market. In other markets where Chip & PIN technology has been implemented, it has provided enhanced protection against fraud from lost, stolen, and counterfeit Cards.

In an effort to provide our Cardmembers with greater protection against Card fraud, American Express will soon be issuing Cards with Chip & PIN technology in Canada

Is there anything I need to do?

The transition to Chip & PIN technology will take place gradually over the next few years. Since everything will be done automatically, you do not need to request a new Chip Card, we will notify you when your new Chip Card is coming. In the meantime, the magnetic stripe Card you currently have remains secure and you continue to be protected by our Fraud Protection Guarantee. Continue to use your current Card until you receive your Chip Card. Chip & PIN technology will simply make an already safe payment system even more secure.

Be sure to check back to this site over the coming months for updates and additional information on Chip & PIN technology.

How will Chip & PIN technology benefit me?
  • Chip & PIN technology makes it difficult to duplicate or access data stored on your Card. As a result, Chip Cards provide enhanced protection against fraud from lost, stolen or counterfeit Cards.
  • You will have a unique PIN that is provided only to you. This PIN is key to authorizing Card transactions and ensuring that your Card remains secure.
  • Chip & PIN Frequently Asked Questions
How do I select my PIN?

How do I select my PIN?

With Chip Cards on the way, we are offering Cardmembers the opportunity to personalize PINs in advance, for when your current Card is replaced with a Chip Card.

Why should I choose my PIN?
Choosing your PIN now saves time and eliminates the inconvenience of changing a randomly generated PIN later. You will receive your new Chip Card once your Card product is converted to Chip & PIN and your current Card expires, so it’s important to go online now and select a four-digit PIN that will be easy for you to remember.

How do I select my PIN?
To select your PIN, simply follow these 3 easy steps:
1. Login or register for American Express Online Services .
2. Click on “Choose your PIN” on the “Your PIN” page.
3. Enter and confirm the four digits you’ve selected to personalize your PIN.

The PIN you select will be transferred to your new Chip Card. We will send you a reminder of your personalized PIN a few days before you receive your renewal Card. Remember to choose PINs for all of your American Express Cards. If you have any Supplementary Cardmembers on your account, please ensure they also choose their PIN(s).

What happens next?
You will receive your new Chip Card once your Card product is converted to Chip & PIN and your current Card expires. In the meantime, continue to use your current Card with confidence, knowing that you’re protected by our Fraud Protection Guarantee. Until you receive your new Chip Card, please continue to use your magnetic strip Card. If you are eligible for cash advances, continue to use your current PIN at ABMs until your new Chip Card arrives. Choosing your PIN for your new Chip Card is a key part of the enhanced security of Chip & PIN technology.

Please take a moment to complete this important first step today to be ready to take full advantage of your new Chip Card when it arrives.

How do I change my PIN?

You can change your PIN at any time whether you have forgotten your PIN, locked your PIN or would like a different PIN. Please visit americanexpress.ca/yourpin or call American Express customer service at 1-800-668-2639 to learn where to go and the steps to change or unlock your PIN.

How will Chip & PIN technology benefit me?
  • Chip & PIN technology makes it difficult to duplicate or access data stored on your Card. As a result, Chip Cards provide enhanced protection against fraud from lost, stolen or counterfeit Cards.
  • You will have a unique PIN that is provided only to you. This PIN is key to authorizing Card transactions and ensuring that your Card remains secure.
  • Chip & PIN Frequently Asked Questions.
How Does it Work?

How Does it Work?

In the coming years, point-of-sale terminals and bank machines will be able to accept debit and credit Cards with Chip & PIN technology.

Chip & PIN technology uses an embedded microchip to encrypt your information, making it more difficult for unauthorized users to copy or access your data. Data can only be accessed when your Card is inserted into a chip-enabled terminal and you enter your unique PIN that is provided only to you. The microchip allows for more accurate verification of a Card's authenticity and a Cardmember's identity. You will have a unique PIN that identifies you as the rightful holder of your Card and replaces your signature as the means of authorizing a Card transaction.

When you make a purchase with a Chip Card, instead of swiping your Card, you'll follow these simple steps:
1. Insert your Chip Card into the terminal; it will stay there for the duration of the transaction.
2. Follow the prompts and key in your unique four-digit PIN to authorize the transaction. Your PIN replaces your signature.
3. Receive a confirmation receipt upon successful completion of your transaction.

Until Chip & PIN technology is fully introduced in Canada by American Express, your magnetic stripe Card will continue to work at all point-of-sale terminals and bank machines.

How will Chip & PIN technology benefit me?
  • Chip & PIN technology makes it difficult to duplicate or access data stored on your Card. As a result, Chip Cards provide enhanced protection against fraud from lost, stolen or counterfeit Cards.
  • You will have a unique PIN that is provided only to you. This PIN is key to authorizing Card transactions and ensuring that your Card remains secure.
  • Chip & PIN Frequently Asked Questions.