The time varies widely. The remove card notice comes as fast as 3 seconds, I find 6 seconds more typical, and up to 15 seconds for the local grocery, and nearly

The time varies widely. The remove card notice comes as fast as 3 seconds, I find 6 seconds more typical, and up to 15 seconds for the local grocery, and nearly 30 seconds for small pizza, sandwich, liquor stores. There is no possible way it was taking this long for swipe authorizations; or even NFC authorizations which seemed faster than swipe but were probably the same, but more secure. I still think the U.S. did this exactly wrong. 1. we were late to the game; 2. had started adopting better NFC technology; 3. instead of building on that, regressed to an old slow contact chip-based system; 4. instead of moving directly to PIN entry, retained signing, hence chip & sign, rather than chip & PIN. It's idiotic. And that's just the customer size idiocy. The merchant idiocy is even worse. They paid for this transition. Not the banks, the processors, or EMV who ensure they make money hand over fist no matter what. If a customer has a chip card, and your POS does not support chip reading, the liability for fraudulent transactions is shifted to the merchant.