Yes very true, and you could easily hack once of the physical readers they use now. Almost every shop I go into seems to have a different make or model of card

Yes very true, and you could easily hack once of the physical readers they use now. Almost every shop I go into seems to have a different make or model of card reader. I guess with Android there is more change of the device owner not knownig it's there, it's much easier to say phish someone into installing malware onto an Android device than it is to jailbrake their iOS phone. I wouldn't like to be in the shoes of fraud departments right now...