Unfortunately when you need the chip in the card to sign the transaction details before sending to the bank, validate the response from the bank, and all of the steps in between, it takes a lot of time. There is a ton of work going into making this process faster. Things like EMV Quick Chip and contactless EMV (tap and pay) are quicker, and should be coming to retailers in the US soon. Of course we also have the option of Apple/Android Pay, which is somewhere in the middle.
