They've pretty much all moved to chip at this point, at least IME. It's the lack of PIN that confuses me. All the terminals have pin pads already, but whether

They've pretty much all moved to chip at this point, at least IME. It's the lack of PIN that confuses me. All the terminals have pin pads already, but whether they request the PIN is pretty spotty (seems to be bank card vs true credit card?).