> you can screw up the EMV slot so people must swipe I think that outside of USA most banks would configure their systems to automatically decline any transact

> you can screw up the EMV slot so people must swipe I think that outside of USA most banks would configure their systems to automatically decline any transaction from a chip-capable terminal for a chip-capable card (to prevent cloned cards from being used with just the mag-stripe data), so swiping would be possible only on terminals that never had a EMV slot in the first place, and IIRC even that is limited to certain regions as in many countries it's expected that all terminals must be chip-capable; a damaged EMV slot should result in the bank returning an error code effectively saying 'broken terminal, repair or use another' instead of permitting to swipe. Alternatively, I think I have seen contracts (for merchants who really wanted to keep swipes longer than the expected transition) that say that any fraudulent swiped transactions are fully paid for by the merchant.