And Chinese business. I've yet to see a single EMV Visa card here. Some UnionPay cards are getting chipped as the government demands a full transition to chip cards by 2015, but that's only for the local network. Thus far the only reliable way to get a Visa/MC chip card in China is through one bank (Bank of China, with the cards actually issued by its Hong Kong division). (interestingly enough, they offer a chipped US$ card even though the US hasn't switched yet)