I have 2 customers who are using EMV terminals. If the USE EMV flags are set to N, back office transactions process in a normal amount of time (5 seconds). With the EMV terminals set to Y, complete transactions take up to 1 minute. The time seems to be *after* the card is swiped on the terminal until FACTS gets the response and starts "moving" again. Does anyone else have similar experience, or better yet, a solution?