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Forty-two percent of the country’s retailers have not yet switched their check out systems to read the new, more secure, TRON-like chips cropping up on credit cards, according to CardHub.com’s new survey. Visa and MasterCard set an October 1, 2015 deadline for retailers to upgrade customer payment terminals. Merchants who have not switched over to the new system don’t face being penalized by the credit card companies, but they are now liable for any fraudulent purchases.

The major retailers who have switched over to the Europay, MasterCard and Visa (EMV) system are noticing a significant delay at checkout. Using the chip reader takes more time than swiping a card. Manoj manages a Chevron station in Dallas, which is part of a network of nine stores. He says that they will have new card readers in the convenience stores and at the gas pumps in the next 90 days.

“We have been waiting and we are going to get a new technology that is faster,” says Manoj.

The chip readers take longer because they create a unique transaction number for every purchase.

“And those are the numbers that are stored in a retailers network,” says CardHub.com’s Jill Gonzales. ” Because they are one and done, when a blackmarket thief gets their hands on it, they are virtually useless.”

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