By now you’ve surely heard that chip and PIN credit cards have come to the U.S. in full force. We're about 10 years behind the rest of the world in terms of EMV migration, but starting in 2015, merchants of all types began the shift to accepting EMV credit and debit cards. The reason that EMV technology has now been adopted in the U.S. is that, with the European adoption of this payments technology a number of years ago, payment fraud volume began to shift from Europe to the U.S. where cards have been easier to replicate or use fraudulently. It’s critical that you upgrade your systems to support EMV cards so that your business doesn't become a target for fraud. And if that's not incentive enough, effective October 1, 2015 the so-called fraud liability shift associated with EMV began. That shift essentially places the burden and financial responsibility of fraud at the point-of-sale on the weakest link in securing the transaction. That means, if you're not usi...