In reply to Plastic Police.

Fraud losses are already baked into the merchant and consumer fees. As you mention, tokenization and stronger authentication to include CHIP+PIN would have been the move to convince me that service providers really care about fraud - I am currently convinced they really don't. To me it is absurd that we think consumers can't handle a PIN entry? or that minor delays in payment times are all that relevant. Chip+Signature - oh brother why even waste the time with signature?