There are also physical hacks – that can cause problems The Hacker News has an older post, and then we go down the list – pump skimmers, Bluetooth skimmer, and old fashioned ATM devices.
Fastcolabs has a video which shows where the skimmers are added (inside the pump stand – where the electronics are
That is the issue – one needs to have physical tests and reviews on all aspects of consumer access.
As VentureBeat.com has a story on an ATM Credit card skimmer to steal $100k
What can you do? – require the places you frequent on whether they are testing their devices like a hacker would look at things.