> Fraud is much higher Is it? From what I understand they basically use their fraud-detection algorithms to determine whether the transaction should go throug

> Fraud is much higher Is it? From what I understand they basically use their fraud-detection algorithms to determine whether the transaction should go through. That's why, every so often, the tap will fail and you have to do chip & pin. I once had a chip&pin transaction refuse to go through because I was out of town and used a gas station brand that I almost never use. I called the CC company and they said pretty much that was reason. They monitor all transactions for behaviors out of the norm.