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As of October 2015, all restaurants and other merchants in in the USA are subjected to Europay, MasterCard, and Visa (EMV) standards, reflecting a shift from magnetic-stripe credit cards to chip-and-pin cards. Considered safer and widely used across Europe and other nations, the chip-based cards require insertion of the card into a terminal throughout the entire transaction. The chip-based cards are less susceptible to fraud becuse the chips are far more difficult and expensive to duplicate and counterfeit than a simple magnetic strip.
EMV compliance is required for credit card acquirers and processors, though it's not mandated for merchants and processors. But merchants assume liability for fraudulent purchases; this shift of risk responsibility has driven many to adopt the new standards and avoid the risk.
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