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The U.S. shift to EMV-chip card security hasn't been smooth. Many companies saw the card networks' Oct. 1, 2015 fraud liability shift date as a starting point rather than a deadline, and even the companies that thought they would be unaffected by the EMV transition found themselves dealing with major headaches.
Perhaps one of the biggest frustrations with EMV was that the liability shift took effect even if a merchant's schedule for conversion was out of its hands. The Arizona grocery chain Bashas' began converting its 1,400 checkout lanes a year ahead of the deadline, but ran into bottlenecks on the software side and was on the hook for chargebacks for 10 months beyond the liability shift date.