I get that it's more secure but it takes so much longer to use than simply swiping and entering your pin, instead we have to now wait for a minute, then enter the pin. At Home Depot I pulled it out early because it appeared that it was done but was in a lull while it was reading, which caused the system to subsequently reject my card from any other terminal, they needed to key in my card manually to undo the error. What a terrible system. This seems like a step back, not forward and none of it can compare the the ease of use and convenience of Apple Pay, I just wish it were more widely available. First world problems I know, but still.