For all of our American clients, US banks are issuing EMV chip-and-pin credit cards (which are more secure than magnetic-stripe cards) as part of this effort. Our European friends are way ahead of us on this one. Business owners are being asked to do their part by upgrading their payment terminals to accept EMV. To accelerate things, if your health club or business doesn’t accept EMV chip credit card payments by October, the liability for certain types of counterfeit fraud could fall on you. Here is a great article to get you up to speed. Contact your credit card processor for more information.