“They’re not giving us a lot of time,” said Linda Toth, managing director at Conexxus, an Alexandria, Virginia-based association that publishes standards and guidance for gas merchants and convenience stores. The Mastercard move is like a “mandate,” according to Toth, adding that makes it different from past policies that simply shifted liability for fraud based on EMV status. Those merchants could still accept magstripe card payments. But under Mastercard’s new timeline, “if you haven’t migrated to EMV compliance under this new announcement, you won’t be able to accept cards,” Toth said.