J. Stoever brings up an important point.
Here at where I work we’re wrapping up a CISP/PABP compliance pass, and they have a ridiculous set of things one is supposed to do, both process- and implementation-wise, in order to get certified for credit card processing.
However, none of their requirements can prevent the most common way people’s CC data actually gets stolen in the environment we work with - keylogging software or hardware attached to the POS computer.
(Or, for that matter, Iwaiters swiping your card on their own reader/i or photographing it with their phone camera.
People are all fired up worried about someone cracking their eBay password, yet they hand a Icomplete stranger/i their actual physical card most every time they go out to eat!)