You've somewhat misrepresented how this works. You can't steal money "out of everyone's card". The card doesn't contain any money, it's not a digital wallet. It's an authorization mechanism.
You could certainly skim authorization codes out of everyone's pockets, but you still have to present those codes (and fairly swiftly) to the payment processing networks for clearing. That means you need a merchant account, which means someone is on the hook for your activity and the fraud has some chance of being detected and sourced.
"Some chance", but if the amounts are small enough, who is going to notice? And if it's an international payment, I'm sure that will make it that much harder too.
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You've somewhat misrepresented how this works. You can't steal money "out of everyone's card". The card doesn't contain any money, it's not a digital wallet. It's an authorization mechanism. You could certainly skim authorization codes out of everyone's pockets, but you still have to present those codes (and fairly swiftly) to the payment processing networks for clearing. That means you need a merchant account, which means someone is on the hook for your activity and the fraud has some chance of being detected and sourced.
"Some chance", but if the amounts are small enough, who is going to notice? And if it's an international payment, I'm sure that will make it that much harder too.