[rscherf]

Chip & pin is not a requirement in the US, but I agree with you that using it does alleviate risk. This is why Stripe offers a fee discount to 2.7%+5c when using their card reader vs. 2.9%+30c. These are common fee structures for other gateways like Square.

The app runs all transactions through the Connect accounts Radar fraud filters, and the user can opt to force several levels of validation on the card (CVV, zip/postal, name, address).

These types of transactions happen all the time, regardless of if they're more secure or not.

[jimnotgym]

> Chip & pin is not a requirement in the US,

It really is in the UK. I think you will struggle here