Many companies are idling while the U.S. considers its options for handling the migration to chip cards from magnetic-stripe cards. Even a company based in the UK finds itself stuck.

The card network-mandated shift to EMV smart cards has come up against several hurdles, such as the technology's incompatibility with U.S. debit-routing regulation. Another issue is confusion over hardware upgrades for merchants who must also invest in data security compliance and mobile payment advancements.

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