When choosing between EMV and NFC for your merchant service, there are several factors to consider, such as your business type, customer preferences, budget, and security needs. Some questions to ask yourself include: what kind of products or services do you sell? What are your customers' expectations and behaviors? What are your costs and resources? And what are your security and compliance requirements? For example, if you sell low-value items that do not require a signature or PIN, such as coffee or snacks, NFC may be a better option as it can speed up the checkout process. If you sell high-value items that require more verification, such as electronics or jewelry, EMV may be more suitable for you. You can survey customers or observe their payment habits to see what they prefer. Additionally, if you want to avoid the liability shift and comply with industry standards and regulations, you may need to upgrade to an EMV or NFC terminal. However, be aware of the potential risks and costs of fraud and chargebacks.