Time is Running Out for U.S. Merchants to Avoid Fraud Risk! By October 2015, all U.S. merchants are required to support secure chip cards. Any merchant without this will be liable for any fraudulent purchases. ACN and Anovia Payments have the solution with point of sale equipment that accepts BOTH safer (EMV) and easier payments through Mobile Wallet. There’s never been a better time to consider a new vendor for all your payment processing needs!