Just realized one possible cause - maybe your card isn't chip-and-pin like Swedish and other European cards? I guess some terminals/processors smaller places u

Just realized one possible cause - maybe your card isn't chip-and-pin like Swedish and other European cards? I guess some terminals/processors smaller places use might not be prepared to (or are configured not to) accept non-chip-and-pin cards. That would also explain why I haven't seen any issues - my cards are all chip-and-pin.