As of mid-April 2021, any card fraud detected at automated fueling dispensers is the responsibility of the fuel retailer if EMV technology has not been implemented on the forecourt. Since that time, payment card chargebacks related to the chip card liability shift have become a significant issue for all gasoline retailers, small and large alike.

Chargebacks that were in the $400 to $2,000 per month, per station, range—common in May and June—have escalated. We’ve learned of one marketer with 10 stations in a suburban metropolitan area incurring $200,000 in total chargebacks over the last month. None of the 10 stations were EMV compliant.

Each chargeback comes with a code that identifies what type of chargeback it is. The reason for the chargebacks typically involves fraud, non-EMV compliance or a customer complaint. Data indicates that chargebacks attributed to EMV in May 2021 accounted for almost 60 percent of all chargebacks, up from 20 percent in April.

  • Note: The Energy Marketers of America (EMA) are currently surveying its membership to better understand the reason for the chargebacks and the inability to understand that information in the chargeback notice.

It makes sense that criminals who discover a non-compliant station will continue to exploit it until the station addresses the issue. Criminals will always gravitate to the station with the weakest defense and that will create an expensive battle for the marketer. Fortunately there are several options for marketers wishing to solve the EMV compliance issue. Call your local D&H/United Fueling Solutions professional to explore the best solution for you.