Well if you're in Australia, Paxum becomes irrelevant in just a few days.
I've asked Ruth continuously about this for almost two years and each time Paxum aren't ready.
Now they're cutting themselves out of the market in some regions.
Quote:
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In less than three months, Australia will phase out signature verification for card payments in favour of compulsory PINs. The shift is a big one for consumers as magnetic stripes are all but retired and chip technology becomes king.
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http://www.cnet.com/au/news/australi...ne-approaches/