At the four-month mark after the U.S. EMV liability shift went into effect, it's still a waiting game; larger issuers and merchants tend to be on top of the chip-card situation and many smaller ones are not, but experts say it's too early to draw conclusions.

But one thing is clear: As more issuers move ahead with EMV, more merchants — especially those in high-risk categories — are starting to feel the sting of last year's liability shift.

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