A card reader, comprising: a frame having a slot for insertion of a chip card that has a plurality of card contacts, wherein the slot has open sides that allow the chip card to move laterally during the insertion; a plurality of reader contacts coupled to the frame and positioned in the slot in a position to be contacted by the card contacts when the chip card is inserted in the slot, and circuitry configured to communicate with the chip card through the plurality of card contact, wherein there are more reader contacts than card contacts and the circuitry is configured to determine which subset of the reader contacts engages the card contacts and to communicate with the chip card through the subset of reader contacts.