Oxbow Cheese & Wine Merchant completed the transition to EMV, chip-enabled credit card processing last week, and as a benefit, is now accepting Apple Pay. The U.S. is the last developed country to make the transition the EMV (Eurocard/Mastercard/Visa) standards, and is 10+ years behind the curve in this important credit card security measure. The new equipment and procedures have caused more than a little confusion for both customers and staff at Oxbow Cheese & Wine Merchant. Please remember that it is all in the interest of enhanced credit card security, and that small merchants are at the mercy of the credit card processing industry no less than consumers. Use Apple Pay or one of the other smart phone payment systems — Oxbow Cheese & Wine reports that nothing is faster in completing a purchase.