Credit unions are all too aware that there is a consumer revolution in how credit cards are used at point-of-sale (POS) terminals. Over the 2015 holiday shopping season, consumers armed with new EMV chip cards faced a situation at checkout that was often confusing. Most terminals didn’t accept chip cards and still required the cardholder to swipe. Other checkout systems had a slot for chip cards and a swipe mechanism, but it was up to the clerk to point out which to use. The terminal may have had the ability to insert an EMV card, but was not yet enabled to accept the EMV payment. Other POS machines still allowed for the swipe, but beeped loudly at consumers who had chip cards to use the slot instead. The result was confused consumers, confused clerks, and an overall sense of annoyance (not to mention increased transaction time).