The Florida Retail Federation says most of the state's retailers haven't made the switch to chip card readers.
The deadline set by credit card companies for retailers to adopt new payment equipment was Oct. 1, 2015. The new equipment accepts credit and debit cards with a chip on the top left corner.
The EMV cards are considered harder to duplicate than cards with just a magnetic strip. Customers can still use their chip cards at retailers that don't have the readers, but there is not as much protection. Big retailers like Target, Walgreens and Best Buy have installed the new EMV card readers, but many smaller stores have not.
About 37 percent of merchants that accept cards have the new devices nationwide. The Florida Retail Federation is offering the payment devices to retailers for $99.