Right now we are still swiping cards (and matching ID's but that's another topic) I keep putting off adding pinpads since I can't get anyone, Speedline or my processor, to clearly confirm that I am protected from chargebacks from a stolen or 'borrowed' card if it is chipped or tapped? I know I'm screwed if it is swiped, but I haven't had a chargeback in 21 years since we handle and verify the card/transaction ourselves. They all like to say 'don't worry, your covered if you chip or tap' but I don't trust them