> ...except card fraud lossed are recharged to the merchant so perhaps they don't care? For a long time after EMV chips were introduced, the liability was actu

> ...except card fraud lossed are recharged to the merchant so perhaps they don't care? For a long time after EMV chips were introduced, the liability was actually shifted back to the customer. EMV chips were initially a huge step backwards for customer protection, and it took some years before this was fixed in law across Europe. Nowadays, if you see a merchant who can't accept EMV chips, it's likely their POS vendor who's liable. The merchant is liable in theory, but some vendors still don't provide EMV-capable terminals, so they've agreed to assume the risk until they do.