Chip-based credit cards have caused anxiety for merchants and consumers alike. Ever since their rollout last October, there have been concerns about adoption, licensing and integration, not to mention the long wait times. Despite this, the security benefits of EMV cards are still being discussed, and it would seem these are still valuable enough to some to be worth the inconvenience.

However, NCR has reported that chip-based cards are still potentially vulnerable. Although the chips are supposed to make it harder to compromise card data, researchers from this firm said that merchants aren't using sufficient encryption. In many cases, retailers may ask customers to use the stripe on their cards because the chip part isn't supported yet.

As far as long wait times are concerned, the problem may be due less to the credit card processor used and more to general complexity. The New York Times recently examined the buyer frustration around card-based payment delays. As it described, the one-time payment code needs to be checked against the matching code from the bank and then verified.

New terminals are supposed to address this problem, but if the threat continues anyway, businesses feel like they are still failing their customer base. The Times also noted that other countries may have faced similar problems with their chip-based card rollouts. Even given this, the U.S. has lingered so long in adopting this technology, the source said, that previous adopters are ahead.

Payment processing software is more valuable when merchants have a full understanding of its use. For this, support may be especially necessary. Fortunately, 911 Software can help with both software and the necessary advice for use.