The way Americans pay with credit cards started changing in October — here’s where we are 6 months later

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On October 1, 2015, the US started migrating to a more secure form of payment known as EMV.

It’s the reason you’ve been “dipping” your credit card into a terminal slot at some stores. Rather than reading the magnetic strip on the back of your card, payment processing systems now read a microchip on the front of your card, which aims to improve security and reduce fraud.

As you may have noticed, not all stores are accepting the chip cards — and you might not even have a new card yet.

Where exactly are we six months after the initial EMV rollout? Read on to find out.