With retailers now responsible for credit card fraud, consumers in the United States have seen more chip-enhanced cards. However, Maryalene LaPonsie of MoneyTalks News recently highlighted the slow process of implementing a chip card reader and making it the norm.

In fact, as information from an NBC news article she referenced shows, the timing of this migration to chip systems has been troublesome to companies, since many weren't able to do so during November and December, and the process itself can take more than a year and a half. Despite the increased security, businesses may avoid making the change due to the initial inconvenience.

Sarah Halzback of the Washington Post also noted this in a recent article, stating that the lack of a legal impetus could prevent more local companies from taking initiative, despite the amount of time they already have. The different manner of using a chip card, which requires leaving it in the terminal, could also prove off-putting at first.

"Experts said that some merchants, particularly small mom-and-pops, could wait a rather long time to change to chip technology," Halzback wrote. "These stores simply don't experience as much fraud as major national retailers, so they might determine it's not worth the costs of upgrading their hardware and software."

Viewing the process of adapting to chip systems as a whole shows brick and mortar shops the challenges of making these systems work efficiently. Take a credit card processor update seriously and the results could be ultimately more rewarding, after the awkwardness of the early stages finally fades away.