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No. of Recommendations: 2
With the chip, I've got to insert the end of the card and wait for a month while it thinks.

I think most of any delay is dependent on the merchant's payment system & their POS terminals age. Most newer POS terminals are pretty quick, at least in pulling your data from the card. The major grocers' systems seem pretty responsive to me. I get an approval while the checker continues to scan items. Heck I then get phone e-notices from card confirming the purchase almost instantly as I gather my bags. Most major, newer gas station terminals are pretty quick too.

I grant there are smaller operators/owners who's equipment causes the card and wait for a month while it thinks. But I think the old terminals are getting fewer & fewer. That may be due to increased liability to the operator on the older terms.

And I have seen & experienced "swiped" readers fail to do so (read the strip) unless you use the plastic bag "hack" to get it to read, i.e.- scanning the card wrapped with a plastic bag. Why that works & who figured it out is beyond me but that's been my experience. Along with this non-reading NOT happening on my chipped cards.... So far!
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