There's no hope for American business owners anymore.

Target, Walmart, and Home Depot are the first to start using the technology when it was supposed to be implemented. Wegman's said they would be EMV complaint by the end of the year. Not a peep from the rest of the businesses out there.

Looks like Pizza Hut will be far behind, seeing as they have 1985 card readers that not only lack an EMV chip slot, but also lack a screen and a pin pad. Pizza Hut would have to order the new readers, have someone install them, and then certify the software for a lengthy time period. I can see places like Pizza Hut, other restaurants, such as McDonald's with their NFC but no chip slot readers, and small businesses becoming the target for thieves with this liability shift.

Most of the Subway's out there have handheld sized readers that are capable of taking NFC payments already, but with this shift, it's obvious a consumer facing terminal with a decent sized screen should be the only option since there is the potential to change over to chip & pin at any given moment.

I'm not even sure why there weren't regulations before against someone else swiping your card to process your transactions. Merchants should've been held liable for cashier only swipe machines years ago.