Yes, merchants will want to upgrade their terminal to an EMV capable terminal by October 2015. EMV cards are embedded with a micro-computer chip that stores and protects cardholder data. This new technology was created to help protect consumers and merchants from card-related fraud which ultimately may lead to costly chargebacks for the merchant. Credit card theft is on the rise and EMV smart chips enable a more vigorous cardholder verification to protect against counterfeiting or lost/stolen cards. Merchants will need to have a terminal that can accept the new EMV cards.

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