EMV payment consists of chip card embedded payment cards that are capable of running point-of-sale transactions. Every time an EMV chip card is used, it creates a new encrypted transaction code, making it nearly impossible for fraud to occur. This nationwide shift toward EMV capability is already in action. On October 1st, 2015, a liability shift occurred, after which merchants now assume responsibility for all losses due to credit card fraud if they are not EMV compliant. The benefits of being EMV compliant are substantial and USBSI is ready to help its merchants. EMV acceptance will give both merchants and customers peace of mind at the point-of-sale with added security of the cardholder's valuable information.