Retailers were supposed to start accepting chip cards last October, but two-thirds still haven’t done so. Only 2 million merchants, representing 33 percent of the industry, are actively accepting EMV cards. The liability shift only occurs when a customer uses a chip-card in a traditional terminal. Fraud costs fell by 54 percent for merchants who have completed their EMV adoption or are close to it. Some grocery stores even joined forces to sue credit card companies and major issuing banks, claiming certification bottlenecks kept them from upgrading.”]