While the EMV fraud liability shift for most companies passed nearly two years ago, there are still pockets of stores that haven't switched over — and they can be particularly prone to the kind of fraud chip cards are designed to thwart.

EMV is designed to be resistant to counterfeiting, and the October 2015 liability shift is a consequence the card networks imposed on companies that did not make the switch. Some companies considered the fraud risk to be less than the cost of upgrading; others had to wait on certain vendors to support the technology; and certain categories such as restaurants and gas stations had issues that worked against simple upgrades (the card networks even gave gas stations an extension).

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