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In a world where credit card fraud can. Happen at any moment, retailcloud. Your path to EMV readiness. But really, meeting EMV requirements effects merchants the most. 6 billion for the liability shift. As of October 1st of 2015, merchants must be able to accept chip payment. If they accept a swipe payment in which fraudulent activities occur, the merchant will be responsible for the fraud instead of the bank. What the heck is EMV? Where do we get hardware? The investm.
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