Technology
EMV Credit Cards and Moisture: Can They Get Wet?
Can EMV Credit Cards Get Wet?
EMV (Europay, Mastercard, Visa) credit cards are known for their advanced chip technology, making them highly secure. However, one common concern many cardholders have is whether these cards can get wet. The short answer is that EMV chips are indeed protected from passive moisture and are designed to withstand full immersion in liquids, up to a certain extent. In this article, we will explore the specifics and provide you with valuable insights on how to handle your EMV credit cards in various situations.
Understanding EMV Chip Technology
EMV credit cards feature an integrated chip, which stores vital information about the card and the account it’s associated with. This chip is protected by a layer of plastic that is heat-sealed in place. The plastic casing is designed to withstand a certain level of moisture, making it resistant to passive contact with water, such as splashes or light sprinkles.
Moisture Resistance of EMV Chips
EMV chips are engineered to be resistant to moisture and can handle passive contact with water. This means that if you accidentally get a small amount of moisture on your card, it won't affect its functionality. For example, if you use your card in the rain, wipe it off with a dry cloth, and it should work just fine.
However, for full immersion, such as submerging the card in a pool, ocean, or other liquids, caution is advised. The card may function correctly after drying, but it is not guaranteed. In cases of full immersion, it is recommended to dry the card thoroughly before attempting to use it.
Handling Wet EMV Cards
If you find your EMV credit card has gotten wet, the first step is to gently dry it using a soft and absorbent towel. Avoid using heat sources like hair dryers or ovens, as they can damage the chip or the plastic casing. If the card has been fully submerged, it is advisable to test its functionality on a non-critical transaction first, such as a small purchase, before using it for larger transactions.
Understanding How EMV Card Readers Work
EMV card readers apply voltage to the chip when you insert the card, which is similar to starting up a computer. When you insert a wet card, the moisture can cause interference between the chip and the reader, leading to issues such as failed transactions or incorrect readings. This is why it is crucial to ensure that your card is dry before inserting it into a reader.
Conclusion
In conclusion, EMV credit cards are designed to handle passive moisture, and in most cases, a small amount of moisture will not cause significant issues. However, for full immersion, it is best to dry the card before use. By understanding the specifics of EMV chip technology and moisture resistance, you can use your cards with peace of mind, knowing that they are built to withstand common issues.