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Every since credit cards got Chips, all chip-readers are insanely slow. I mean 5-10x slower than swiping (sometimes even longer)

I have started using Apple Pay more and more because it is so much faster than inserting my credit card into the chip reader.

It's an American thing. I use the same cards in Europe and the U.S. and they clear almost instantly when I'm abroad and take forever in the U.S.

Unless you go to Costco. You slide your card into the chip reader and before you blink it's telling you to remove your card.

Not sure who or what Costco had to do that to get such fast processing... but why can't everyone sign up for that!