Users (and resellers) have not been notified of the new toggle switch under the Key/Scan menu. It defaults to YES every time you open the app. This is causing Visa and MC initiated chargebacks that merchants cannot dispute (handkeying a chip card that is "present"). There should be Yes or No bubbles instead of any default. So, our users all have to be called and MOTO clients will need to switch the toggle to NO for every transaction. Lots of angry merchants who are losing money!!