Seriously I would love to use something like that but it feels like Rocket Science to me till now. I am going to learn & understand it when I am done with my on

Seriously I would love to use something like that but it feels like Rocket Science to me till now. I am going to learn & understand it when I am done with my ongoing project & thank you for telling me there is a credit card frauds too bcz I didn't knew about it. But I still don't understand how can they fraud with Stripe/Paypal? Basically I am not getting Credit Card fraud in Online Banking.