I'm a Retail Manager A Chip & Pin transaction at the till takes 30 seconds from triggering, Maybe 1/2 to 1/4 of the time for a properly checked Signature. Contactless (which is now at least 10% of my sales) takes 15 seconds. Across thousands of card transactions per day this is moving people through my tills faster meaning I have to have fewer people serving to keep customers moving at the same rate. ANY card that requires only signature that is used to pay in my store has to be verified with a telephone call as a matter of company policy, and we see maybe one such transaction per month. The burden of getting it wrong rests with my store, UK banks now take no responsibility for Signature card fraud.