From carbon-copy receipts and zip-zap machines to mag stripes, chip and PIN, contactless and mobile wallets, payment tech keeps evolving, and attackers evolve right alongside it. Felix sits down with Gareth, a payments industry veteran of 30 years, to unpack the real hardware attack surface: skimmers in stripe readers, ATM overlays, contactless relay tricks, and why static QR codes are basically begging to be abused. They also dig into why raising contactless limits changes theft economics, how phone theft turns into credential theft, and why the EU Cyber Resilience Act means you need to think about hardware security now.