I have absolutely never had to wait 30+ seconds for a credit card transaction that used the chip, so I don't agree with your assessment of that amount of time b

I have absolutely never had to wait 30+ seconds for a credit card transaction that used the chip, so I don't agree with your assessment of that amount of time being typical. Generally, for me, I think it takes about 3-5 seconds from the time I confirm the dollar amount to the time the confirmation comes back.