The world of payments is becoming divided between the “haves” and “have-nots”. Most payment schemes around the world, with the exception of the United States, use what is commonly referred to as “chip and pin” credit card transactions. Microprocessor chips are embedded in the card and used to process a transaction. Those in the US with the good fortune to travel to different countries such as the United Kingdom, Germany, France, China, or Brazil see the delineation between “haves” and “have-nots” every day. Card brands such as Visa, MasterCard, and their issuers, have adopted the use of chips in cards, which supplant the magnetic stripe.