Madison WI. Gas stations (at the pump) and grocery stores are the only places I go to that don't have or use the chips (taped over). I understand both have extra time to rollout.

I assumed it had rolled out across most of the US at this point since most of the smaller places had even implemented it.

I'm in Madison, too, and there are still a lot of places that don't use the chips. I was at Farm & Fleet yesterday, had to swipe, for example.

I've been told that card processors will get charged more going forward if they don't implement the chips, or for non-chip transactions because of the added risk involved. That should help speed up the transition or at least activate it on those readers that have it.

> I've been told that card processors will get charged more going forward if they don't implement the chips, or for non-chip transactions because of the added risk involved.

This is true. It's also weird, since really they should be charging less for chip-and-pin, not more for magstripes. By moving to chip-and-pin they immediately release themselves from the hook for card theft, moving the liability to the card holder. The high transaction costs in card networks have historically been defended as largely stemming from fraud costs. Yet, we're expected to pay the same fees.

It's a good time to be in the card processing business.

Where I live (NC) almost nobody has chips enabled, even big chains, the one exception being Target.

Nice, underhanded humor. The joke being on them was even better given they were the retail company famous for having best security. :)

I've actually noticed many of the pay at the pump not working with my chip card at all lately and having to go inside or use my other card that doesn't have a chip yet.

The worst part about that is it's going to start forming consumer habits. Everyone will trust the taped over sign as being from the merchant, when it could just as easily have been installed by a skimmer. Furthermore, if people get into the habit of swiping first, then using the chip when the terminal asks them to, that still leaves an opportunity to skim.

EDIT: Grammar

A fraudster taping over the chip slot would be detected after a single skim though, since the terminal won't accept a swipe from a chip enabled card if it's set to process chip payments.

I'm in Indianapolis area. The chip reader requirement is spreading everywhere I go. Target, Lowes, Kroger etc. it's getting to the point now that I use the chip more than swipe per week

Here in NY, chips are becoming more common. But rather strangely, my local diner has gone back to swiping because "they got a new card machine"

Every CVS in the Boston area makes me use the chip now.

FWIW, it may be a bank requirement, not a vendor one.

Recently, October 2015, the liability shift has happened from banks to merchants if they do not upgrade payment systems to chip-enabled devices. Some areas, notably gas stations, are exempted from this until few years later, that might explain why other commentators complained about them. Citing [1]:

"Beginning in October 2015, that liability will shift to the merchants in certain cases unless they have replaced or upgraded their card acceptance and processing systems to use chip-enabled devices and applications to process payment transactions."

1. http://www.emv-connection.com/understanding-the-2015-u-s-fra...

Informative! Thanks for sharing.

Odd. I'm also in Boston and have to use it almost everywhere I go.