Normally it's under 10 seconds for me with a chip and PIN debit card, the by far most common card payment method in Germany and the UK. Most credit cards here (

Normally it's under 10 seconds for me with a chip and PIN debit card, the by far most common card payment method in Germany and the UK. Most credit cards here (Germany) are chip and signature, but they are used less commonly in stores. My credit card has a PIN, but I've never used it.