Presuming you are US based, <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;EMV#United_States" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;EMV#United_States</a><p>POS &#x2F;&#x2F; Retailers are having fraud and liability shifts forced on them from the payment networks and banks. If a POS &#x2F;&#x2F; Retailer accepts a fraudulent swipe, they eat the bill now, fraudulent chip purchase (much harder), bank pays.