Modern cards aren't always embossed anymore. Most payment networks still have offline and eccentric ways to make a transaction, but it all comes down to one thi

Modern cards aren't always embossed anymore. Most payment networks still have offline and eccentric ways to make a transaction, but it all comes down to one thing: If you don't do the most modern, 100% online method of credit card processing, you will be on the hook for any and all fraud, including fraud you can prove was fraud, and it usually costs more. It's just cheaper to say "Sorry nothing we can do"