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Comment by mrpippy | Hacker News Reader

Credit card companies aren't requiring it until October 2020 (after this point, the retailer will be held responsible for fraud if they don't have contactless readers installed)

https://business.hughes.com/resources/blog/outdoor-emv-liabi...

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EMV is not synonymous with contactless, though that feature is part of most, if not all, EMV terminals. Nonetheless, it is optional. The liability shift requires you support EMV, but doesn't require you support contactless.

And as such, doesn't really protect you. The merchant may use the chip for the transaction, but the card numbers and PIN are still capturable via a camera.

It then becomes much easier for the bank to deny transactions that don't use the chip. Swiped transactions become suspicious.

Sure, if the victim never purchases anything online.

You are not liable for card-not-present fraud (without 3D-Secure) so feel free to dispute the transaction and get your money back.

I'm well aware of the recourse available.

It's still not much fun having to go through all of one's subscriptions and saved payment methods, and it costs us all in the aggregate. Repeatedly compromised cards can get your bank to consider you too much of a risk, as well.

The solution is quite simple: require contactless payments be accepted at the pump.

Too late to edit, but I guess I should have mentioned that I'm in Canada so chip + PIN is the standard, gas stations I go to typically have neither swipe nor contactless available.

I don't think most places let you swipe anymore anyway. But yeah, I'm also wondering why there are no contactless cards here. Probably the most annoying part of gassing up is getting all your cards out to get rewards, etc, putting your info in and how much gas you want.

They did this for chip years ago, and even brand new gas pumps are swipe only.

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