The fall of 2015 was crunch time for retailers, as major credit card companies Europay, Mastercard and Visa were in the process of enacting a new standard of transaction processing called EMV. Operating on smart chips embedded in new credit and debit cards, the system required retailers to install new chip readers in their terminals. A deadline of Oct. 1 was announced as the day retailers would assume liability for fraudulent purchases if they didn’t meet the EMV equipment requirements. Months after the deadline, how many retailers are fully employing the new technology and how has it impacted the reliability of secure payments? To find out, CardHub polled 55 major national retailers, ranging from restaurants to grocery stores, in a March survey.