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The most I stand to loss would be the $$ of my average sales which is less then $200. I do have a chip smart EMV card terminal and pinpad at my business but for remote sales I use the Paypal Here card reader. If some one uses a fraud card then I would only lose $200 or less. I'm sure businesses that have higher charge amounts stand to lose more. I'm not worried about Paypal because they are PCI compliant and they will get the EMV reader out to everyone by Oct. 1st. I'm so sure! And if they don't then anyone can go and get a EMV Chip smart reader from another company. There are many credit card processors out there that would be glad to get your business.
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It really doesn't matter since as of October 1st it's just a liability shift from the credit card companies to the business owners. It will be 5 years before the whole USA will be in compliance. Those without chip readers can still scan the bar strip..even after October 1st. No worries.
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They said to check that page for coming information. It was posted at the bottom of the page. "As the EMV deadline approaches, we’ll be here to help keep you informed, secure and thriving every step of the way. Check back for updates."
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Here is the latest information page on the EMV / Chip Smart reader that will be coming to the US market: https://www.paypal.com/us/webapps/mpp/emv
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