re: Purchases with credit card...Some places “swipe it”, others “use the chip”.

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I'm not sure the deadline for the complete switch

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I think it's actually already passed.

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The cost to switch to chip readers are the reason smaller companies haven't yet done so.

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Some card processing companies, offer the equipment for free. I can't imagine any decent company not offering them free upgrades especially since competitors can take their clients by offering the free equipment.