Times are good, at least potentially, for the two leading manufacturers of stand-alone point-of-sale terminals. The U.S. market is moving to EMV chip card acceptance, and there’s growing demand for terminals that can support advanced encryption and other security protocols to better protect transactions in transit. Yet when looking at what’s at stake for the region’s – and the world’s – two top terminal makers, VeriFone Systems Inc. and Ingenico Group, it seems VeriFone is the most vulnerable, at least in the U.S. Ingenico also recently took on a majority interest in mobile commerce platform provider ROAM as part of a multichannel push.