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.