In reply to askmrlee.

Pricing is quite reasonable but in order to use a PIN for EMV you require encrypted keys on the PIN device. using the keypad on a smart phone will never work for EMV as all security and encryption for the PIN reside in the device. you can check out what is currently used in EU and Canada at https://www.izettle.com/
https://payleven.com/, and these devices are a lot more than $30.00.

in most jurisdiction Fraud/Chargeback liability only shifts from the merchant if Chip AND Pin are used.

Th