On October 1, 2015, the U.S. payment processing industry will be undergoing a sea change. Called EMV (for Europay, Mastercard, and Visa), this will forever change how credit cards are processed in this country. Visa has an interesting synopsis that boils this down pretty succintly: http://usa.visa.com/merchants/grow-your-business/payment-technologies/credit-card-chip/liability-shift.jsp Here is some additional information that you'll find useful: http://www.creditcards.com/c