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No, it is not mandatory for you to have the new EVM (chip) payment terminal. If you choose not to have one, the liability shifts from the big banks to you. If you accept a counterfeit card and do not have an EMV terminal to catch it, then you are liable for that transaction. Many Salon owners know the majority of their customers and have very little charge backs due to counterfeit cards, this is why we feel it is not mandatory. Also, salon owners can simply ask for an ID if they do not recognize the customer and reduce fraud in your place of business. However it is up to you to make this decision.