Does waving your credit card before the reader suffice?
They had a program on our national radio the other day about how someone from their agency, and it might have been related to the "Marketplace" program on their TV network, had found a scarey thing about the credit cards that you just wave ove rthe reader.
They had found an app that was placed on their mobile phone, which read the details from someone's card that was in their wallet, in their pocket.
Got enough info that they were able to use it to buy a bottle of pop/soda.
Check it out.