Originally Posted by
tmiw
The liability shift for those wasn't exactly that long ago, having gotten pushed back at least twice (with one of those delays being COVID related). Remember that it took at least a few years after the 2015 liability shift to even get to the point where the majority of regular stores were inserting, and that didn't involve significant construction effort (like it has depending on the gas station involved).
FWIW, the majority of gas stations around here seem to at least run the chip at the pump, if not support tapping. Legacy 7-Eleven locations being the huge exception, but at least those support chip/tap inside.
I think that at this point, the liability shift is pretty meaningless. Fraudsters have moved on from stealing/cloning credit cards. It's not worth their time to use a stolen credit card to fill up their tank at a gas station. They would rather focus on hacking databases.
Even when the original liability shift (for non-gas station merchants) happened, a lot of small merchants ignored it and took their sweet time, figuring that their fraud rates were already pretty low due to the type of transactions and average amount.