How it works

Chip cards, together with chip-enabled terminals make a secure transaction system even more secure by validating both the card and the cardholder electronically. You will notice some changes but overall the process is easy and extremely secure.

Using your Chip Client Card is very similar to using your current Client Card. At store or point-of-sale terminals that are chip-enabled, you will only experience a minor change - instead of the merchant swiping your card as is done today, you will insert it into the terminal and leave it there for the duration of the transaction.

Using INTERAC Flash is a quick and easy way to pay for small everyday purchases without having to insert your Client Card or enter a PIN. Simply flash your Client Card against the INTERAC Flash-enabled reader, wait for approval and you're on your way. The transaction will automatically be debited from the account that you normally access using the Chequing button.

You are on: How Chip Works

Insert your Client Card into the chip-enabled terminal and leave it there. Your card should never leave your sight. This helps to further reduce the risk of fraud.

Follow the instructions as they appear on the screen and enter your PIN when prompted. You’re the one in control of the transaction process.

When the transaction is complete, remove your card from the terminal and you’re on your way. The overall process is quick and easy.

TIP: Your RBC Chip Client Card should be inserted chip first, with the chip facing up.

TIP: Remember to always protect your PIN and never disclose it to anyone. For more information on using your RBC Chip Client Card and on protecting your PIN, click here.

TIP: Removing your card too soon could terminate the transaction before it’s approved. Do not remove your card until prompted.

You are on: How INTERAC Flash works

Look for the INTERAC Flash Symbol

Wave or tap your card on the secure card reader.

Wait for approval and you're ready to go.